Bruder v. Country Mutual Insurance

This case involves the question of whether uninsured motorist coverage under two insurance policies issued by Country Mutual Insurance Company (Country Mutual) may be “stacked,” or aggregated.

BACKGROUND

In May 1986, Ruth Bruder, then pregnant, was injured when the automobile she was driving was struck from the rear. Either or both of the drivers of the two other vehicles involved in the accident were at fault. Neither of those drivers was insured.

Bruder gave birth, prematurely, to a daughter, Halie, who suffers from cerebral palsy. It is a matter of dispute as to whether Halie’s condition was…