State Farm Mutual Automobile Insurance v. Universal Underwriters Group

Plaintiff, State Farm Mutual Automobile Insurance Company (State Farm), as subrogee of Rodney Luckhart, commenced this action by filing a complaint for breach of contract against Joyce Pontiac GMC, Jeep-Eagle, and Toyota, Inc. (Joyce Pontiac GMC), and Universal Underwriters Group (hereinafter defendant or Universal). Plaintiff seeks recovery of $9,092.15 it paid out for claims made against its insured, Rodney Luckhart.

At issue in this insurance coverage dispute is whether Steinberg v. Universal Underwriters Insurance Co., 272 Ill. App. 3d 79 (4th Dist. 1995) (holding that a permissive user…