State Farm Mutual Automobile Insurance v. Fisher

Ruby Smith (Smith) allegedly sustained injuries while entering Maurice Barnes’ (Barnes) vehicle following its return from the valet parking service at Harrah’s Casino Illinois (Harrah’s). Smith filed suit against Barnes, Jeremy Fisher (Fisher), the valet driver employed by Harrah’s, and Harrah’s. Fisher and Harrah’s tendered their defense to Barnes’ automobile insurance carrier, State Farm Mutual Automobile Insurance Company (State Farm).

State Farm later sought a declaratory judgment that it had no duty to defend or indemnify Fisher or Harrah’s because there was no coverage under the…