Downen v. Country Mutual Insurance

David Barrett, a passenger in a car driven by Tommy Maxwell, was injured in an automobile wreck. Barrett’s injuries were more than Maxwell’s insurance could cover.

David Barrett, in a case that preceded this case, filed suit against Country Mutual Insurance Company, attempting to “stack” the under-insured motorist coverage under the Country Mutual insurance policies owned by James and Louise Downen, his stepfather and mother. (Barrett v. Country Mutual Insurance Co. (1988), 165 Ill. App. 3d 1167 (unpublished Rule 23 order).) The main issue in Barrett was whether the insurance policy was…