{ "id": 2501180, "name": "DARREN M. JOHNSON, a Minor, by His Mother and Next Friend, Judith Ooton, Plaintiff-Appellant, v. AMERICAN FAMILY MUTUAL INSURANCE COMPANY, Defendant-Appellee (Judith Ooton, Plaintiff-Appellant)", "name_abbreviation": "Johnson v. American Family Mutual Insurance", "decision_date": "1990-02-08", "docket_number": "No. 4\u201489\u20140590", "first_page": "794", "last_page": "803", "citations": [ { "type": "official", "cite": "193 Ill. App. 3d 794" } ], "court": { "name_abbreviation": "Ill. App. Ct.", "id": 8837, "name": "Illinois Appellate Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "366 N.E.2d 901", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "51 Ill. App. 3d 624", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3386799 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/51/0624-01" ] }, { "cite": "515 N.E.2d 101", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1977, "opinion_index": 0 }, { "cite": "116 Ill. 2d 548", "category": "reporters:state", "reporter": "Ill. 2d", "year": 1977, "opinion_index": 0 }, { "cite": "510 N.E.2d 1316", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1987, "opinion_index": 0 }, { "cite": "158 Ill. App. 3d 63", "category": "reporters:state", "reporter": "Ill. 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App.", "case_ids": [ 5409564 ], "opinion_index": 0, "case_paths": [ "/ill-app/203/0217-01" ] }, { "cite": "452 N.E.2d 49", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "116 Ill. App. 3d 463", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3519212 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/116/0463-01" ] }, { "cite": "119 N.E.2d 247", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "2 Ill. 2d 568", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 12132249 ], "opinion_index": 0, "case_paths": [ "/ill-2d/2/0568-01" ] }, { "cite": "454 N.E.2d 197", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1954, "opinion_index": 0 }, { "cite": "97 Ill. 2d 104", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 5516573 ], "year": 1954, "opinion_index": 0, "case_paths": [ "/ill-2d/97/0104-01" ] }, { "cite": "429 N.E.2d 1203", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "88 Ill. 2d 1", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 3083008 ], "pin_cites": [ { "page": "5" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/88/0001-01" ] }, { "cite": "465 N.E.2d 956", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "125 Ill. App. 3d 329", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3632925 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/125/0329-01" ] }, { "cite": "539 N.E.2d 1278", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "183 Ill. App. 3d 978", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2627205 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/183/0978-01" ] }, { "cite": "540 N.E.2d 895", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "184 Ill. App. 3d 155", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2640087 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/184/0155-01" ] }, { "cite": "543 N.E.2d 538", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1989, "opinion_index": 0 }, { "cite": "187 Ill. App. 3d 508", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2668171 ], "year": 1989, "opinion_index": 0, "case_paths": [ "/ill-app-3d/187/0508-01" ] }, { "cite": "102 Ill. App. 3d 381", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3076496 ], "pin_cites": [ { "page": "386" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/102/0381-01" ] }, { "cite": "148 Ill. App. 3d 1075", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3642503 ], "year": 1981, "pin_cites": [ { "page": "1077, 1078" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/148/1075-01" ] }, { "cite": "71 Ill. 2d 428", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 5449524 ], "opinion_index": 0, "case_paths": [ "/ill-2d/71/0428-01" ] }, { "cite": "46 Ill. App. 3d 643", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2975944 ], "year": 1978, "pin_cites": [ { "page": "648" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/46/0643-01" ] }, { "cite": "48 Ill. 2d 580", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 2906340 ], "year": 1988, "pin_cites": [ { "page": "587" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/48/0580-01" ] }, { "cite": "170 Ill. App. 3d 962", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3585664 ], "pin_cites": [ { "page": "964-65" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/170/0962-01" ] }, { "cite": "101 Ill. App. 3d 639", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3084005 ], "year": 1988, "pin_cites": [ { "page": "641" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/101/0639-01" ] }, { "cite": "119 Ill. App. 3d 337", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3629253 ], "year": 1981, "pin_cites": [ { "page": "341" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/119/0337-01" ] }, { "cite": "124 Ill. 2d 386", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 3218315 ], "weight": 2, "year": 1986, "pin_cites": [ { "page": "393" }, { "page": "393" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/124/0386-01" ] }, { "cite": "19 Ill. 2d 593", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 2743913 ], "year": 1988, "pin_cites": [ { "page": "599" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/19/0593-01" ] }, { "cite": "35 Ill. 2d 533", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 5380482 ], "year": 1960, "pin_cites": [ { "page": "538" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/35/0533-01" ] }, { "cite": "111 Ill. 2d 229", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 3166688 ], "weight": 3, "pin_cites": [ { "page": "240" }, { "page": "240" }, { "page": "240" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/111/0229-01" ] }, { "cite": "543 N.E.2d 1304", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "129 Ill. 2d 351", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 5567184 ], "pin_cites": [ { "page": "357-59" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/129/0351-01" ] }, { "cite": "491 N.E.2d 464", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "142 Ill. App. 3d 550", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3450117 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/142/0550-01" ] }, { "cite": "517 N.E.2d 1187", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 3, "pin_cites": [ { "page": "1188" } ], "opinion_index": 0 }, { "cite": "164 Ill. App. 3d 389", "category": "reporters:state", "reporter": "Ill. 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App. 3d", "case_ids": [ 3644268 ], "year": 1987, "opinion_index": 0, "case_paths": [ "/ill-app-3d/148/0526-01" ] } ], "analysis": { "cardinality": 878, "char_count": 19649, "ocr_confidence": 0.767, "pagerank": { "raw": 1.2941846925466552e-07, "percentile": 0.6205736318990026 }, "sha256": "213c739eb44305818d04c244aafd568a310d88e9218007321254bc8f0f307a73", "simhash": "1:37de1ed62e48bcc2", "word_count": 3188 }, "last_updated": "2023-07-14T21:36:46.192510+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "DARREN M. JOHNSON, a Minor, by His Mother and Next Friend, Judith Ooton, Plaintiff-Appellant, v. AMERICAN FAMILY MUTUAL INSURANCE COMPANY, Defendant-Appellee (Judith Ooton, Plaintiff-Appellant)." ], "opinions": [ { "text": "JUSTICE SPITZ\ndelivered the opinion of the court:\nThis is an appeal by plaintiffs Darren M. Johnson, a minor, by his mother and next friend, Judith Ooton, and Judith Ooton individually, from an order of the circuit court of Macon County granting summary judgment in favor of defendant American Family Mutual Insurance Company. Plaintiff\u2019s amended complaint is framed in six counts. The amended complaint alleges that on or about June 16, 1986, the minor plaintiff was struck by two automobiles while riding his bicycle. One automobile was operated by Scott Vanderlaan and the other by Michael Rogers. The complaint alleges that each of the operators of the automobiles was negligent and their negligence proximately caused injuries to plaintiff exceeding $100,000. Defendant insured Rogers and tendered $100,000, while Economy Fire and Casualty insured Vanderlaan. Economy tendered $25,000.\nIn addition, Ooton had an automobile insurance policy with defendant which provided $100,000 of liability coverage per person, but did not include underinsured motorist coverage equal to the bodily liability limits. It is alleged defendant\u2019s agents and employees failed to offer such coverage even though such an offer was required by statute. (Ill. Rev. Stat. 1985, ch. 73, pars. 755a \u2014 2(1), (5).) It is further alleged that, had the offer been made, Ooton would have purchased that amount of underinsured motorist coverage. It is further alleged that Vanderlaan was underinsured at the time of the incident.\nAs a result, recovery in the amount of $75,000 is sought for defendant on behalf of the minor for the minor\u2019s injuries under the theory of failure to offer underinsured motorist coverage (count I), and recovery for $75,000 plus attorney fees for consumer fraud (count II, alleging the failure to offer underinsured motorist coverage in an amount equal to the bodily liability limits constituted a misrepresentation, concealment, suppression, or omission of a material fact within the meaning of the Consumer Fraud and Deceptive Business Practices Act (Ill. Rev. Stat. 1985, ch. 121V2, par. 261 et seq.)). In count III, plaintiff minor requests judgment in the amount of $75,000, plus attorney fees on the theory that defendant\u2019s refusal to honor plaintiff\u2019s claim for $75,000 was vexatious and unreasonable, thereby entitling the minor plaintiff to reasonable attorney fees, costs, and penalties under the Illinois Insurance Code (Ill. Rev. Stat. 1985, ch. 73, par. 767).\nCounts IV, V, and VI are based on the same theories of recovery as counts I, II, and III, respectively. However, counts IV, V, and VI pray for judgment in favor of Ooton, individually, since she was liable for the minor plaintiff\u2019s medical expenses.\nAttached to the defendant\u2019s motions for summary judgment as exhibits were answers to interrogatories and portions of the transcript of Ooton\u2019s discovery deposition, wherein it is admitted plaintiffs received $100,000 from Rogers and $25,000 from Vanderlaan. Also attached as an exhibit was one of defendant\u2019s insurance policies, which states in part VI, paragraph 5: \u201cWhen we pay damages under this policy to a person who also collects from another, the amount collected from the other shall be repaid to us to the extent of our payment.\u201d\nBased on this contractual language, defendant took the position plaintiff is not entitled to additional recovery since the payment to plaintiff of $100,000 by Rogers equals or exceeds the $100,000 limit of liability for underinsured motorist coverage had such coverage been included in Ooton\u2019s policy. Defendant also contended that payments from Rogers and Vanderlaan must be set off against the underinsured motorist coverage limits, arguing that, as a matter of law, either the alleged underinsured coverage limits were satisfied or were exhausted. With regard to counts I, II, and III only, defendant\u2019s motion for summary judgment also relies on the fact that Rogers was insured by defendant and, when the claim against Rogers was settled, a release was executed on behalf of Darren Johnson by his guardian Judith Ooton releasing Rogers and defendant from further liability arising out of the June 16,1986, collision.\nPlaintiffs filed a cross-motion for partial summary judgment relating to counts I, II, IV, and V. In their motion, plaintiffs relied on Ooton\u2019s deposition in an attempt to establish that defendant failed to offer underinsured motorist coverage to her. Plaintiffs contended that the issue of underinsured motorist coverage applies only to the $25,000 paid by Vanderlaan and, therefore, plaintiffs are entitled to summary judgment as a matter of law.\nOn June 23, 1989, after considering the memoranda of law submitted by the parties and arguments of counsel, the trial court entered an order wherein the plaintiffs\u2019 motion for partial summary judgment was denied, and defendant\u2019s motion for summary judgment as to counts I, II, and III was granted. The trial court assumed, for the limited purpose of ruling on the motion, that Ooton\u2019s policy is reformed to provide $100,000 underinsured motorist coverage, relying on Fuoss v. Auto Owners (Mutual) Insurance Co. (1986), 148 Ill. App. 3d 526, 499 N.E.2d 539, aff\u2019d (1987), 118 Ill. 2d 430, 516 N.E.2d 268. The court found that only the presence of a second tortfeasor distinguishes the present case from the case in Giardino v. American Family Insurance (1987), 164 Ill. App. 3d 389, 517 N.E.2d 1187, which involved (1) the same policy language as that in the case at bar, and (2) a $100,000 payment from a tortfeasor being applied so as to deny recovery under a $100,000 underinsured motorist coverage provision. The trial court decided that since the insurance contract and public policy do not require the presence of a second tortfeasor to invalidate the $100,000 credit applied to the $100,000 underinsured limits, or to increase the underinsured coverage beyond $100,000, plaintiff can have no recovery under the allegations of counts I, II, and III.\nSubsequently, on July 27, 1989, the trial court also entered summary judgment in favor of defendant as to counts IV, V, and VI. As to count IV, the court\u2019s reasoning was the same as in the earlier order. On count V, the court reasoned Ooton had suffered no damages warranting prosecution of a claim under the Consumer Fraud and Deceptive Business Practices Act. (Warren v. LeMay (1986), 142 Ill. App. 3d 550, 491 N.E.2d 464.) And as to count VI, the trial court ruled the record contained no evidence of bad faith or vexatious and unreasonable dealings by defendant.\nThe general principles governing when a summary judgment is a proper remedy are well known and have recently been reiterated by the Illinois Supreme Court in Pyne v. Witmer (1989), 129 Ill. 2d 351, 357-59, 543 N.E.2d 1304,1307-08:\n\u201cSummary-judgment procedure permits a trial court to determine whether any genuine issue of material fact exists (Purtill v. Hess (1986), 111 Ill. 2d 229, 240), but it is not designed to try such an issue (Kobus v. Formfit Co. (1966), 35 Ill. 2d 533, 538; Ray v. City of Chicago (1960), 19 Ill. 2d 593, 599). Summary judgment is to be encouraged in the interest of prompt disposition of lawsuits, but as a drastic measure it should be allowed only when a moving party\u2019s right to it is clear and free from doubt. Reed v. Bascon (1988), 124 Ill. 2d 386, 393; Purtill v. Hess (1986), 111 Ill. 2d 229, 240.\nIf, from the papers on file, a plaintiff fails to establish an element of the cause of action, summary judgment for the defendant is proper. (Brunsfeld v. Mineola Hotel & Restaurant, Inc. (1983), 119 Ill. App. 3d 337, 341; Taylor v. Hocker (1981), 101 Ill. App. 3d 639, 641; cf. Randi F. v. High Ridge YMCA (1988), 170 Ill. App. 3d 962, 964-65 (dismissal for failure to state respondeat superior cause of action for employee\u2019s intentional tort; analyzing cases).) If what is contained in the papers on file would constitute all of the evidence before a court and would be insufficient to go to a jury but would require a court to direct a verdict, summary judgment should be entered. (Fooden v. Board of Governors (1971), 48 Ill. 2d 580, 587.) However, in determining the existence of a genuine issue of material fact on a motion for summary judgment, the trial court should construe pleadings, depositions, admissions, exhibits, and affidavits strictly against the movant and liberally in favor of the respondent. Reed v. Bascon (1988), 124 Ill. 2d 386, 393; Purtill v. Hess (1986), 111 Ill. 2d 229, 240.\nInferences may be drawn from undisputed facts (Century Display Manufacturing Corp. v. D.R. Wager Construction Co. (1977) , 46 Ill. App. 3d 643, 648, aff\u2019d in part, rev\u2019d in part (1978) , 71 Ill. 2d 428), but an issue should be decided by the trier of fact and summary judgment denied where reasonable persons could draw divergent inferences from the undisputed facts (Amin v. Knape & Vogt Co. (1986), 148 Ill. App. 3d 1075, 1077, 1078; Marciniak v. O\u2019Connor (1981), 102 Ill. App. 3d 381, 386).\u201d\nWhere the matter at issue may be decided as a question of law, summary judgment is a proper remedy. (Timm v. Indian Springs Recreation Association (1989), 187 Ill. App. 3d 508, 543 N.E.2d 538; Suhadolnik v. City of Springfield (1989), 184 Ill. App. 3d 155, 540 N.E.2d 895.) However, merely because the parties have filed cross-motions for summary judgment alleging the nonexistence of genuine issues of material fact, the trial court is not obligated to enter summary judgment. (Mutual Life Insurance Co. v. Washburn (1989), 183 Ill. App. 3d 978, 539 N.E.2d 1278.) Where the only issue concerns the construction of an insurance contract, the cause may properly be decided by summary judgment. Giardino, 164 Ill. App. 3d 389, 517 N.E.2d 1187.\nIn this case, each plaintiff seeks recovery on three theories: (1) failure to advise Ooton she could get $100,000 underinsured motorist coverage pursuant to a statutory duty to do so; (2) consumer fraud for the same omission; and (3) attorney fees for the vexatious and unreasonable refusal to pay the claim. If the trial court correctly determined, after applying the reasoning in Giardino, that plaintiffs were not entitled to recovery on counts I and IV, then it would seem logical that there could have been no vexatious or unreasonable refusal to pay the claim. And plaintiffs\u2019 brief does not address the question of vexatious and unreasonable refusal to pay, but attacks only the trial court\u2019s construction of the insurance policy. Plaintiffs do not even argue that they should have been allowed to proceed on the consumer fraud counts regardless of the trial court\u2019s interpretation of the policy. It would seem plaintiffs have abandoned any arguments concerning the vexatious and unreasonable refusal to pay the claim as well as whether the trial court properly disposed of the counts alleging consumer fraud.\nThe underlying facts of this case are not in dispute. On appeal, the only issue is whether the trial court properly construed the policy. In deciding this appeal, it will be assumed that Ooton is entitled to $100,000 in underinsured motorist coverage, although this has yet to be proved. Fuoss v. Auto Owners (Mutual) Insurance Co. (1987), 118 Ill. 2d 430, 516 N.E.2d 268, citing Tucker v. Country Mutual Insurance Co. (1984), 125 Ill. App. 3d 329, 465 N.E.2d 956.\nGiardino construes language from the underinsured motorist endorsement of the very policy which is the subject of the instant cause. In Giardino, the court stated:\n\u201cThe pertinent provisions of the insurance policy in this case read as follows:\n\u20181. We will pay damages for bodily injury which an insured person is legally entitled to recover from the owner or operator of an underinsured motor vehicle.\n* * *\n3. Underinsured motor vehicle means a motor vehicle which is insured by a liability bond or policy at the time of the accident which provides bodily injury liability less than\nthe damages you are legally entitled to recover.\n* * *\nThe limits of liability shown in the declarations apply, subject to the following:\n* * *\nAny amounts payable will be reduced by:\n1. A payment made by the owner or operator of the underinsured motor vehicle or organization which may be legally liable.\u2019\nIf an insurance policy is clear and unambiguous, the words of the policy will be given their plain and ordinary meaning. (United States Fire Insurance Co. v. Schnackenberg (1981), 88 Ill. 2d 1, 5[, 429 N.E.2d 1203].) In the present case, the language of the limitation could not be clearer. Any amount which the defendant could owe pursuant to underinsured motorist coverage is reduced by a payment from the underinsured motorist. The plaintiff\u2019s policy provided underinsured motorist coverage of $100,000, and the underinsured motorist paid $100,000 to the plaintiff. Therefore, according to the policy, the plaintiff is not entitled to a recovery.\nThe plaintiff argues that the limiting provision is ambiguous because it conflicts with the provision providing coverage. We disagree. The language establishing the underinsured motorist coverage must be read with the limitation to establish the boundaries of coverage. The plaintiff makes much of the fact that the underinsured motorist provision in this policy uses similar language to the now-repealed underinsured motorist provision of the Illinois Insurance Code (Ill. Rev. Stat., 1979 Supp., ch. 73, par. 755a \u2014 1). However, the plaintiff does not argue that the old provision applies to this case, and in fact, admits that the new version of the statute is applicable in this case. In examining the policy and the statute, we further note that the effect of the limitation on payment is to bring the policy in line with the new version of the statute, which allows recovery only when the underinsured motorist coverage is greater than the total liability coverage for bodily injury of the underinsured motor vehicle owner. (Ill. Rev. Stat. 1985, ch. 73, par. 755a \u2014 2(3).) Therefore, for the foregoing reasons, the judgment of the circuit court of Kane County is affirmed.\u201d Giardino, 164 Ill. App. 3d at 390-92, 517 N.E.2d at 1188.\nPlaintiffs suggest that the presence of a second tortfeasor distinguishes this case from Giardino. We agree.\nOf significance to the case at bar is the fact that the underinsured motorist definition differs from the statutory definition. The policy defines an underinsured motor vehicle as \u201ca motor vehicle which is insured by a liability bond or policy at the time of the accident which provides bodily injury liability limits less than the damages you are legally entitled to recover.\u201d This definition is more inclusive than the definition in the statute (Ill. Rev. Stat. 1985, ch. 73, par. 755a \u2014 2(3)), which defines an underinsured motor vehicle as:\n\u201c[A] motor vehicle whose ownership, maintenance or use has resulted in bodily injury or death of the insured, as defined in the policy, and for which the sum of the limits of liability under all bodily injury liability insurance policies or under bonds or other security required to be maintained under Illinois law applicable to the driver or to the person or organization legally responsible for such vehicle and applicable to the vehicle, is less than the limits for underinsured coverage provided the insured as defined in the policy at the time of the accident.\u201d\nUnder the terms of the policy, it would seem Rogers would be an underinsured motorist; but, under the definition in the statute, he would not be an underinsured motorist. Certainly the statute would control, but any conflict between statute and policy ought to be resolved to the benefit of the insured. The policy can provide coverage broader than the statute, but should not be construed to provide less coverage than the statute requires. And since Rogers is not an under-insured motorist by reason of the statutory definition, the coverages of the two tortfeasors cannot be combined to defeat plaintiffs\u2019 claims to underinsured motorist coverage under the instant policy. The underinsured motorist coverage endorsement provides:\n\u201cAny amounts payable will be reduced by:\n1. A payment made by the owner or operator of the underinsured motor vehicle or organization which may be legally liable.\u201d\nThe only underinsured motor vehicle involved in this incident by reason of the statutory definition is that operated by Vanderlaan.\nTherefore, plaintiffs should have been allowed to prove their damages in an attempt to establish underinsured motorist coverage. However, even though plaintiffs should have the opportunity to prove their damages, that does not mean plaintiffs would be entitled to a double recovery, for even though Rogers\u2019 liability coverage is not to be taken into consideration in determining whether underinsured motorist coverage pertains to the facts of this case, nevertheless the amount already recovered from both joint tortfeasors will be a setoff against plaintiffs\u2019 total damages to compute the amounts payable.\nJoint tortfeasors are jointly and severally liable for the entire damage sustained, and a plaintiff may pursue all, some, or one of the tortfeasors responsible for the injury in order to recover (Coney v. J.L.G. Industries, Inc. (1983), 97 Ill. 2d 104, 454 N.E.2d 197; Chmielewski v. Marich (1954), 2 Ill. 2d 568, 119 N.E.2d 247), but only one recovery may be had. Since the purpose of the statute is to protect an injured person against the risks of a lesser recovery if injured by an insured driver rather than an uninsured driver (Price v. State Farm Mutual Automobile Insurance Co. (1983), 116 Ill. App. 3d 463, 452 N.E.2d 49), then the injured person\u2019s own insurer stands in the position of the underinsured tortfeasor to provide excess coverage. Moreover, a settlement with one who is jointly liable may inure to the benefit of another who is also jointly liable, even though that person did not participate in or know of the settlement. (Good Products Co. v. Dwyer (1917), 203 Ill. App. 217.) Therefore, defendant would be entitled to apply the $100,000 received from Rogers, as well as the $25,000 paid on behalf of Vanderlaan, in determining whether plaintiff is entitled to any additional funds. (See Scudella v. Illinois Farmers Insurance Co. (1988), 174 Ill. App. 3d 245, 528 N.E.2d 218; Glidden v. Farmers Automobile Insurance Association (1974), 57 Ill. 2d 330, 312 N.E.2d 247; Becker v. Country Mutual Insurance Co. (1987), 158 Ill. App. 3d 63, 510 N.E.2d 1316, appeal denied (1987), 116 Ill. 2d 548, 515 N.E.2d 101; Hoel v. Crum & Forster Insurance Co. (1977), 51 Ill. App. 3d 624, 366 N.E.2d 901.) In other words, plaintiffs will have to prove they are entitled to recover damages in excess of $125,000 in order to recover any part of the $75,000 underinsured motorist coverage, assuming of course plaintiffs prove they are entitled to underinsured motorist coverage.\nAccordingly, the judgments of the circuit court of Macon County are reversed as to counts I and IV of plaintiffs\u2019 complaint and the cause is remanded for further proceedings. In all other respects, the judgments of the circuit court of Macon County are affirmed.\nAffirmed in part; reversed in part and remanded.\nKNECHT, P.J., and GREEN, J., concur.", "type": "majority", "author": "JUSTICE SPITZ" } ], "attorneys": [ "Garry W. Bryan, of Ray Moss & Associates, P.C., of Clinton, for appellants.", "Frederic L. Kenney, of Armstrong, Winters, Prince, Featherstun & Johnson, of Decatur, for appellee." ], "corrections": "", "head_matter": "DARREN M. JOHNSON, a Minor, by His Mother and Next Friend, Judith Ooton, Plaintiff-Appellant, v. AMERICAN FAMILY MUTUAL INSURANCE COMPANY, Defendant-Appellee (Judith Ooton, Plaintiff-Appellant).\nFourth District\nNo. 4\u201489\u20140590\nOpinion filed February 8,1990.\nRehearing denied March 9,1990.\nGarry W. Bryan, of Ray Moss & Associates, P.C., of Clinton, for appellants.\nFrederic L. Kenney, of Armstrong, Winters, Prince, Featherstun & Johnson, of Decatur, for appellee." }, "file_name": "0794-01", "first_page_order": 816, "last_page_order": 825 }