Marlin Lee Just, Noelle Marie Marchant Hughes, and Travis Clinton Hughes v. Farmers Automobile Insurance Association D/B/A Pekin Insurance

MANSFIELD, Justice.

This case requires us to determine whether a chain-reaction collision resulting in separate impacts seconds apart involved one “accident” or two. A semi-tractor-trailer collided with an SUV that was being driven in the wrong direction on a highway. The semi was forced onto the right shoulder of the highway, the SUV was destroyed, and the SUV’s driver was killed. Not more than seconds later, a motorcyclist ran into the totaled SUV that was still in the middle of the highway.

The drivers of both the motorcycle and the semi suffered injuries and brought a declaratory judgment…