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HOBBS v. HARTFORD INS. CO. OF THE MIDWEST

Nos. 97481, 98309.

823 N.E.2d 561 (2005)

214 Ill.2d 11

291 Ill.Dec. 269

Lula HOBBS, Appellee, v. HARTFORD INSURANCE COMPANY OF THE MIDWEST, Appellant. Lee Ann Anheuser et al., Appellees, v. Prudential Property and Casualty Insurance Company, Appellant.

Supreme Court of Illinois.

January 21, 2005.

Attorney(s) appearing for the Case

Hinshaw & Culbertson (Mark D. Bauman and Nancy G. Lischer, of counsel), and Cutler & Hull (David P. Cutler and Edwin J. Hull III, of counsel), Chicago, for appellant in No. 97481.

Joseph E. Hoefert, of Hoefert & Perica, P.C., Alton, and Curtis L. Blood, Collinsville, for appellee in No. 97481.

Pretzel & Stouffer, Chrtd., Chicago (Robert Marc Chemers and Richard R. Gordon, of counsel), for amici curiae The Farmers Automobile Insurance Association et al in No. 97481.

Howerton, Dorris & Stone, Marion, for amicus curiae Linda Lang in No. 97481.

Heyl, Royster, Voelker & Allen (Karen L. Kendall and Craig L. Unrath, Peoria, and Kent L. Plotner and John C. Craig, Edwardsville, of counsel), for appellant in No. 98309.

Robert H. Howerton, of Howerton, Dorris & Stone, Marion, for appellees in No. 98309.

Justice FITZGERALD delivered the opinion of the court:

At issue in these consolidated appeals is whether an insured may "stack," i.e., aggregate, the limits of liability for underinsured-motorist coverage where multiple vehicles are covered under one policy. The lower courts determined that the policies at issue were ambiguous and must be construed in favor of the insureds to permit stacking. We reverse.

BACKGROUND

No. 97481—Hobbs...

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