Horace Mann Insurance v. Brown

On December 6, 1985, a car driven by defendant Robert Brown collided with another automobile on Lake Shore Drive in Chicago. As a result of the accident, a passenger in the other car, Robert Ring, was killed, and the car’s two other occupants, Frank Navarro and Kathy Vasilakos, received injuries. At the time of the collision, the car which Robert was driving was owned by Robert’s father, Hamilton, and was insured under an automobile insurance policy issued by plaintiff, Horace Mann Insurance Company.

Representatives of Ring, along with Vasilakos and Navarro, also defendants in this action,…