Bohner v. Ace American Insurance

I respectfully dissent. The majority’s interpretation of the insurance policy permits defendant to have collected insurance premiums from plaintiff for virtually no meaningful coverage. The majority ignores the well-settled principle that the law accords the insured the most favorable and liberal construction of exclusionary insurance provisions. National Union Fire Insurance Co. of Pittsburgh, Pennsylvania v. Glenview Park District, 158 Ill. 2d 116, 122 (1994). Insurance provisions that limit or exclude coverage are to be construed liberally in favor of the insured and “most strongly against…