ACE Fire Underwriters Insurance v. Romero Ex Rel. Chavez

MORITZ, Circuit Judge.

ACE Fire Underwriters Insurance Company appeals the district court’s declaration that a policy ACE issued offers total coverage up to $2 million for an accident involving two insured vehicles: a tractor and trailer. Because we agree with ACE that the policy instead limits its liability to only $1 million, we reverse.

Background

I. The Accident and Insurance Dispute

In the early morning hours of March 24, 2011, Jesse Hale left Finney Farms driving a tractor-trailer rig. When he pulled onto a highway adjacent to Finney Farms, the trailer detached from the tractor. Hale drove…