Farmers Automobile Insurance v. Danner

Plaintiff, Farmers Automobile Insurance Association (Farmers), appeals the trial court’s order finding Farmers had a duty to defend defendants, Michael C. Danner and Tracy Watson, in a lawsuit filed by defendant David D. Winkler. We reverse and remand.

I. BACKGROUND

A. The Declaratory-Judgment Action In December 2007, Farmers filed a complaint for declaratory judgment. The complaint alleged that Danner and Watson were insureds under separate policies of insurance issued by Farmers. Danner and Watson tendered the defense of an action, Winkler v. Danner, No. 07— L — 90 (Cir. Ct. Vermilion Co.)…