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STATE FARM MUT. AUTO. INS. CO. v. UNIV. UND. GROUP

No. 82837.

695 N.E.2d 848 (1998)

182 Ill.2d 240

231 Ill.Dec. 75

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Appellee, v. UNIVERSAL UNDERWRITERS GROUP et al., Appellants.

Supreme Court of Illinois.

Rehearing Denied June 1, 1998.

Attorney(s) appearing for the Case

Jay S. Judge, Judge, James & Dutton, Ltd., Park Ridge, for Universal Underwriters Group.

Robert G. Black, Law Offices of Robert G. Black, Naperville, Vincent Robertelli, Giagnorio & Robertelli, Ltd., Bloomingdale, for State Farm Mut. Auto. Ins. Co.

Stephen L. Corn, Craig, & Craig, Mattoon, for Illinois Auto. Dealers.

David E. Neumeister, Williams & Montgomery, Ltd., Chicago, for National Association of Independent Insurers.

Justice NICKELS delivered the opinion of the court:

In this appeal, we consider whether a car dealer's garage insurance policy covers the liability of a separately insured customer who is involved in an accident while test-driving one of the dealer's vehicles. In 1994, Rodney Luckhart took a test-drive in a Jeep Cherokee owned by defendant Joyce Pontiac GMC, Jeep-Eagle and Toyota (Joyce Pontiac). During the test-drive, Luckhart negligently collided with a vehicle...

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