Heinen v. Illinois Farmers Insurance Co.

OPINION

TOUSSAINT, Chief Judge.

Illinois Farmers Insurance Company (Farmers) argues in its appeal that Jamie Heinen, a named insured under his own automobile insurance policy, is not entitled to underinsured motorist coverage under his parents’ automobile insurance policy. Because respondent’s automobile insurance policy is closer to the risk, we reverse and remand.

FACTS

The parties agree that Heinen (1) received severe personal injuries while riding as a passenger in a non-owned automobile, (2) suffered damages attributable to his injuries that exceed $200,000, (3) after collecting the…