Lalos v. Tickler

The first article in the disputed Allstate Insurance Co. policy is the coverage provision on page 1 at the very beginning of the instrument. In this article, the defendant Allstate contracts to insure the defendant Tickler against all damages which Tickler shall be legally obligated to pay on account of the “ownership, maintenance or use ... of the owned automobile, a substitute automobile or a non-owned automobile.” On page 2 of the policy appears Article X with the heading in large letters, “Definitions,” under which the insured and the three classes of automobiles covered by Article I are…