Crowley v. Empire Fire and Marine Insurance Co.

*106 ¶ 1 This case concerns whether an exclusion in a supplemental insurance policy that Empire Fire and Marine Insurance Company (Empire) issued to John Bruen was unenforceable as a matter of public policy. The exclusion applied if the insured was under the influence of alcohol or drugs. The circuit court of De Kalb County determined that the intoxication exclusion was unenforceable and therefore entered summary judgment in favor of the plaintiff, Barbara Crowley. Empire appeals from the trial court's order. We reverse.

¶ 2 I. BACKGROUND

¶ 3 On June 12, 2015, John Bruen rented a 2015 Volkswagen…