Illinois National Insurance Co. v. Farm Bureau Mutual Insurance Co.

HARRIS, Justice.

This is a dispute between two insurers concerning their respective responsibilities under competing “other insurance” clauses. The trial court declined to prorate their responsibilities on the basis of the combined policy limits, but rather applied the “closer to the risk” test used by the Minnesota courts. Because we are not persuaded to subscribe to the Minnesota doctrine, we reverse and remand.

Larry Boughn was injured in a fall from a pickup truck owned by Steven Crozier and operated by Steven’s brother, Gary Crozier. The accident occurred on Gary’s farm. Steven, as owner…