Profitt v. Onebeacon Insurance

David Profitt (now deceased) filed a declaratory judgment action against OneBeacon Insurance (OneBeacon) to determine the extent of coverage afforded by an automobile policy it had issued to its insured, Phyllis Johnson, for injuries Profitt sustained in an accident with Johnson. Profitt contended that the existence of two declarations pages permits the stacking of policy limits. OneBeacon contended that the second declarations page was issued as a result of a vehicle substitution and that no ambiguity exists. On cross-motions for a summary judgment, the trial court granted OneBeacon’s…