{ "id": 3390818, "name": "JUSTIN KAUFMANN et al., Plaintiffs-Appellees, v. ECONOMY FIRE AND CASUALTY COMPANY, Defendant-Appellant", "name_abbreviation": "Kaufmann v. Economy Fire & Casualty Co.", "decision_date": "1977-07-14", "docket_number": "No. 76-551", "first_page": "940", "last_page": "951", "citations": [ { "type": "official", "cite": "52 Ill. App. 3d 940" } ], "court": { "name_abbreviation": "Ill. App. Ct.", "id": 8837, "name": "Illinois Appellate Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "290 N.E.2d 284", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "pin_cites": [ { "page": "288" } ], "opinion_index": 0 }, { "cite": "8 Ill. App. 3d 547", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2766434 ], "weight": 2, "pin_cites": [ { "page": "552" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/8/0547-01" ] }, { "cite": "274 N.E.2d 1", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "49 Ill. 2d 234", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 2910123 ], "opinion_index": 0, "case_paths": [ "/ill-2d/49/0234-01" ] }, { "cite": "28 N.E.2d 86", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "374 Ill. 136", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 2533610 ], "opinion_index": 0, "case_paths": [ "/ill/374/0136-01" ] }, { "cite": "301 Ill. App. 358", "category": "reporters:state", "reporter": "Ill. App.", "case_ids": [ 3188138 ], "opinion_index": 0, "case_paths": [ "/ill-app/301/0358-01" ] }, { "cite": "151 N.E.2d 429", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1939, "opinion_index": 0 }, { "cite": "18 Ill. App. 2d 43", "category": "reporters:state", "reporter": "Ill. App. 2d", "case_ids": [ 5188410 ], "year": 1939, "opinion_index": 0, "case_paths": [ "/ill-app-2d/18/0043-01" ] }, { "cite": "312 N.E.2d 247", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 3, "year": 1958, "pin_cites": [ { "page": "250-51" } ], "opinion_index": 0 }, { "cite": "57 Ill. 2d 330", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 5405907 ], "weight": 3, "year": 1958, "pin_cites": [ { "page": "336" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/57/0330-01" ] }, { "cite": "269 N.E.2d 97", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 0 }, { "cite": "48 Ill. 2d 71", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 2906633 ], "pin_cites": [ { "page": "77" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/48/0071-01" ] }, { "cite": "362 N.E.2d 1355", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "opinion_index": 1 }, { "cite": "48 Ill. App. 3d 851", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3374597 ], "weight": 2, "opinion_index": 1, "case_paths": [ "/ill-app-3d/48/0851-01" ] }, { "cite": "356 N.E.2d 1121", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 1 }, { "cite": "43 Ill. App. 3d 113", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2721445 ], "pin_cites": [ { "page": "116" } ], "opinion_index": 1, "case_paths": [ "/ill-app-3d/43/0113-01" ] }, { "cite": "341 N.E.2d 379", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 3, "opinion_index": 1 }, { "cite": "35 Ill. App. 3d 493", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 5304160 ], "weight": 3, "opinion_index": 1, "case_paths": [ "/ill-app-3d/35/0493-01" ] }, { "cite": "313 N.E.2d 247", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "opinion_index": 1 }, { "cite": "290 N.E.2d 284", "category": "reporters:state_regional", "reporter": "N.E.2d", "opinion_index": 1 }, { "cite": "8 Ill. App. 3d 547", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2766434 ], "opinion_index": 1, "case_paths": [ "/ill-app-3d/8/0547-01" ] }, { "cite": "274 N.E.2d 1", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 3, "opinion_index": 1 }, { "cite": "49 Ill. 2d 234", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 2910123 ], "weight": 3, "opinion_index": 1, "case_paths": [ "/ill-2d/49/0234-01" ] }, { "cite": "312 N.E.2d 247", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1958, "pin_cites": [ { "page": "249" } ], "opinion_index": 1 }, { "cite": "57 Ill. 2d 330", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 5405907 ], "weight": 3, "year": 1958, "pin_cites": [ { "page": "333" } ], "opinion_index": 1, "case_paths": [ "/ill-2d/57/0330-01" ] }, { "cite": "269 N.E.2d 97", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "opinion_index": 1 }, { "cite": "48 Ill. 2d 71", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 2906633 ], "weight": 2, "pin_cites": [ { "page": "76" } ], "opinion_index": 1, "case_paths": [ "/ill-2d/48/0071-01" ] } ], "analysis": { "cardinality": 854, "char_count": 26979, "ocr_confidence": 0.884, "pagerank": { "raw": 1.977833945629519e-07, "percentile": 0.740188906766379 }, "sha256": "56fdb08ec813ff143aec761d203e3041ef4c99444fbfb5658c77eb760b7387b0", "simhash": "1:25527c5a24608298", "word_count": 4301 }, "last_updated": "2023-07-14T20:29:20.985264+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "JUSTIN KAUFMANN et al., Plaintiffs-Appellees, v. ECONOMY FIRE AND CASUALTY COMPANY, Defendant-Appellant." ], "opinions": [ { "text": "Mr. PRESIDING JUSTICE DIERINGER\ndelivered the opinion of the court:\nThis is an appeal of an action for declaratory judgment to construe uninsured motorist liability of an insurance carrier under two separate policies of auto liability insurance, issued by Economy Fire and Casualty Company (Economy) to members of the Kaufmann family. Justin and Geraldine Kaufmann were the named insureds on one policy, and Daniel Kaufmann was the named insured on the other policy. Four members of the Kaufmann family (plaintiffs) were injured in a collision caused by an uninsured third party. Plaintiffs, all being within the definition of insureds under each policy, claimed they were afforded coverage under both policies and the uninsured motorist (family protection) coverages of the two policies should be stacked. Economy invoked the \u201cother insurance\u201d clause of one of the policies, as precluding the aggregating of the insurance, and also maintains a \u201cspecific exclusion\u201d clause of one of the policies is in force. The circuit court of Cook County held the coverages of the two policies applied and could be stacked. From a summary judgment in favor of the plaintiffs, Economy has appealed.\nSubmitted for review are the issues of (1) whether, in the instant factual setting, the \u201cother insurance\u201d clause, which limits coverage to the maximum single limits scheduled in itself and any other applicable policy, precludes stacking of the uninsured motorist sections of the two policies; and (2) whether a \u201cspecific exclusion\u201d making an auto insurance policy inapplicable to bodily injury to an insured while occupying an auto other than an \u201cinsured automobile\u201d is a valid restriction in light of mandatory requirements of the uninsured motorist statute in the Illinois Insurance Code (Ill. Rev. Stat. 1973, ch. 73, pars. 755a and 1054).\nThe facts of this case are not disputed. On November 10,1974, an auto driven by Daniel Kaufmann was struck head-on by an auto driven by an uninsured motorist. Daniel suffered various injuries, as did three passengers in his auto, his parents, Justin and Geraldine Kaufmann, and his brother Judd.\nAt the time of the accident two insurance policies were arguably available. One policy showed the names Justin and Geraldine as the named insureds and the other policy, written on the auto involved in the accident, showed Daniel as the named insured. These two policies were similar in many respects. For the purposes of our discussion the terms of the policies as to Family Protection Coverage are identical, and the coverage therein was provided, in each case, in consideration of the payment of a $4 premium. By this form contract of insurance, Economy agreed to pay all damages because of injury caused by the operator of an uninsured auto. The limit of this liability is *10,000 per person and *20,000 per accident. Defendants do not dispute that part of the trial court\u2019s order which allowed coverage under one policy, nor do they challenge the aggregation of the medical expense coverage under both policies.\nThe contract of insurance in question contains a provision which extinguishes liability for damages caused by the driver of an uninsured auto when such coverage is applicable under another policy of insurance. The section entitled \u201cOther Insurance\u201d provides:\n\u201cOther Insurance. With respect to bodily injury to an insured while occupying an automobile not owned by the named insured, the insurance under Part IV shall apply only as excess insurance over any other similar insurance available to such insured and applicable to such automobile as primary insurance, and this insurance shall then apply only in the amount by which the limit of liability for this coverage exceeds the applicable limit of liability of such other insurance.\nExcept as provided in the foregoing paragraph, if the insured has other similar insurance available to him and applicable to the accident, the damages shall be deemed not to exceed the higher of the applicable limits of liability of this insurance and such other insurance, and the company shall not be liable for a greater proportion of any loss to which this Coverage applies than the limit of liability hereunder bears to the sum of the applicable limits of liability of this insurance and such other insurance.\u201d\nPlaintiffs sued Economy for a declaratory judgment that both policies were in effect, that they were a single family of insureds paying two separate premiums to a single insurance company, and that each family member was twice covered and therefore entitled to aggregated or stacked coverage under the Family Protection provisions of the two policies.\nContending the damages sustained by plaintiffs exceeded *20,000 and the individual damages of Geraldine Kaufmann exceeded *10,000, plaintiffs sought to hold Economy responsible for the total actual damages sustained to the extent of *20,000 per person and *40,000 per accident.\nEconomy acknowledged plaintiffs were entitled to the coverage given under the Family Protection provisions of the policy issued to Daniel, but contended, by virtue of the \u201cother insurance\u201d clause contained in the policy issued to Justin and Geraldine, the parents\u2019 policy afforded no coverage.\nOn plaintiffs\u2019 motion for summary judgment the trial court granted a declaratory judgment, while specifically finding the \u201cother insurance\u201d limitation was inapplicable and ineffective to prevent stacking of the uninsured motorist coverage. From such judgment Economy has filed this appeal.\nInsurance covering injuries caused by uninsured motorists is almost universally regulated by statute, and any examination of the problem must begin with the current statutes covering the subject. Uninsured motorist coverage, by State statute, is a required appendage to auto liability policies in Illinois. The Illinois Insurance Code provides, in pertinent part:\n\u201c\u00a7143a. (1)\u00b0 * \u00b0[N]o policy insuring against lost resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance or use of a motor vehicle shall be renewed or delivered * * * unless coverage is provided therein or supplemental thereto, in limits for bodily injury or death [of *10,000 per individual and *20,000 per accident]\n* * * for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles and hit-and-run motor vehicles because of bodily injury, sickness or disease, including death, resulting therefrom \u00b0 \u00b0 O # *\n\u00a7442. Validation of Illegally Issued Policies.) Any contract or policy of insurance 000 issued in violation of any section of this Code requiring certain provisions to be inserted therein 099 shall nevertheless be held valid but shall be construed in accordance with the requirements of the section that the said policy 999 violates, and when any provision in such contract 9 9 9 is in conflict with any provision of this Code, the rights, and obligations of the company thereunder shall not be less favorable to the holder of the contract and the beneficiary or annuitant thereunder than is required by the provisions of this Code applicable thereto.\u201d Ill. Rev. Stat. 1973, ch. 73, pars. 755(a) 1054.\nSince uninsured motorist coverage is required in auto insurance policies, the likelihood of an injury caused by an uninsured motorist being covered by more than one uninsured motorist endorsement has become great, with the result that insurers have attempted, as with liability policies in general, to provide that coverage in such instances will not be duplicated.\nOne basic way for an insurance company to limit their liability in this regard is for the parties to agree no coverage applies where coverage is provided by other insurance. Other insurance clauses many times are in the form of excess-escape clauses.\nAn excess, or excess-escape, clause, as the clause in issue, provides where the insured is injured while occupying a vehicle not owned by him, the insurance shall apply only as excess insurance over other similar insurance available to the insured, and then only by the amount by which the limits of liability of the policy exceeds the sum of the limits of liability of all other such insurance.\nAs recognized by the Illinois Supreme Court in Putnam v. New Amsterdam Casualty Co. (1970), 48 Ill. 2d 71, 77, 269 N.E.2d 97, 100:\n\u201c[Excess-escape clauses are] normally found in uninsured motorist policies as a limitation on the coverage provided when the insured is injured in a car not owned by a named insured under the policy. The clause provides that under such circumstances, if other insurance is available, the policy will apply only as excess coverage. 9 9 9 This escape feature substantially reduces the coverage which would be provided by an excess policy not so limited. 9 9 9 [Although the clause provides for excess coverage, its practical effect is usually controlled by the escape provision\u2014 since most uninsured motorist coverage is in the same minimum amount, there is rarely an instance where an \u2018excess\u2019 policy limit exceeds the limit of the other policy; hence it is an infrequent situation for an \u2018excess\u2019 policy to provide any coverage when its \u2018excess-escape clause\u2019 has been given effect. [Citations.]\u201d\nLitigated cases indicate insurance companies repeatedly seek to avoid liability through technical or literal construction of the uninsured motorist endorsement. Courts, in general, have responded to the problems of construction by a close study of the language of the clause at issue, along with the particular facts of the case. In instances where ambiguity is discovered the courts have usually invoked the rule of construction that any ambiguity in the policy should be construed against the insurance company (see Glidden v. Farmers Automobile Insurance Association (1974), 57 Ill. 2d 330, 312 N.E.2d 247), thereby extending coverage to the claimant. See also Sheffer v. Suburban Casualty Co. (1958), 18 Ill. App. 2d 43, 151 N.E.2d 429; Lenkutis v. New York Life Insurance Co. (1939), 301 Ill. App. 358, aff'd, 374 Ill. 136, 28 N.E.2d 86.\nEconomy maintains Morelock v. Millers\u2019 Mutual Insurance Association (1971), 49 Ill. 2d 234, 274 N.E.2d 1, stands for the proposition that an insurance policy which carries an \u201cother insurance-excess escape\u201d clause does not violate public policy. In Morelock a father and daughter were separately named insureds under two separate policies issued by one insurance company, although it appears the daughter was emancipated from the family. While in the father\u2019s auto, both father and daughter were injured by an uninsured motorist. The court held the \u201cother insurance-excess escape\u201d clause was unambiguous and precluded recovery under the daughter\u2019s policy.\nIn Glidden v. Farmers Automobile Insurance Association (1974), 57 Ill. 2d 330, 312 N.E.2d 247, one person purchased three separate auto insurance policies for each of his three autos, and had paid separate premiums under each policy for Family Protection Coverage with liability limits under each policy of *10,000 per person and *20,000 per accident. Each policy contained an \u201cother insurance\u201d provision which included an \u201cexcess-escape\u201d clause. Plaintiff\u2019s wife was struck and killed by an uninsured motorist. The court allowed stacking of the three policies for a total coverage of *30,000. The court reasoned:\n\u201cWhen an insured purchases three distinct policies from an insurer, each providing the specified coverage, and pays a separate premium for each, does he reasonably contemplate that the \u2018other insurance\u2019 clauses therein are effective to reduce his recovery to what he would have obtained under one policy? We think not. e \u00b0 # The clause has no meaningful purpose when applied to coverage issued by one company to one insured. In this situation its meaning is ambiguous, and the clause should be construed in favor of the insured. [Citations.]\nIt is true that an insured might end up in a case such as this in a better situation than if the wrongdoer had been insured to the minimum requirements of the Financial Responsibility Law. That, however, is not material as long as he pays for the coverage. The insured is better off because he paid additional premiums. If there is to be a \u2018windfall\u2019 in this situation, it should be to the insured, who paid the several premiums, rather than to the insurer, which collected them.\u201d Glidden, 57 Ill. 2d 330, 336, 312 N.E.2d 247, 250-51.\nAn insurance policy is not to be interpreted in a vacuum; it is issued under given factual circumstances. What at first blush might appear unambiguous in the instant contract might not be such in the particular factual setting in which the contract was issued.\nIn an attempt to understand the uninsured motorist coverage terms of the instant contract, a purchaser would generally begin by reading the first sentence of the Family Protection Coverage section of the policy, which provides family coverage for injuries caused by an uninsured motorist and states, the insurer agrees:\n\u201cTo pay all sums which the insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an uninsured automobile because of bodily injury, sickness or disease, including death resulting therefrom, hereinafter called \u2018bodily injury,\u2019 sustained by the insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured automobile * 6\nThe purchaser would later arrive at a provision entitled \u201cOther Insurance\u201d which provides:\n\u201cWith respect to bodily injury to an insured while occupying an automobile not owned by the named insured, the insurance under Part IV shall apply only as excess insurance over any other similar insurance available to such insured and applicable to such automobile as primary insurance, and this insurance shall then apply only in the amount by which the limit of liability for this coverage exceeds the applicable limit of liability of such other insurance.\u201d\nAs we have noted earlier, the likelihood of an injury caused by an uninsured motorist being covered by more than one uninsured motorist endorsement has become great. In addition, the number of different factual ways in which this could occur is astronomical. A cursory reading of the \u201cother insurance\u201d provision may lead the purchaser to believe it is an attempt to require an injured person to seek damages from the \u201cprimary insurance\u201d applicable to the auto which is \u201cnot owned by the named insured,\u201d as well as limiting its liability to that in excess of the other policy.\nWhen a family purchases two distinct policies from a single insurer, with each policy containing uninsured motorist coverage, and pays a separate premium of *4 for each uninsured motorist coverage, do they reasonably anticipate their own policies would be regarded as \u201cother insurance\u201d? We think not. When the same company issued the policies and the policies are issued to members of the same family, living in the same household, who have paid separate premiums, an ambiguity arises as to the \u201cother insurance\u201d clause, which should be resolved in favor of the insureds.\nEconomy raises the alternative issue of whether a \u201cspecific exclusion clause in the policy issued to Justin and Geraldine nullifying applicability of liability for bodily injury to an insured while occupying an auto other than an \u201cinsured automobile\u201d is a valid restriction.\nIn Doxtater v. State Farm Mutual Automobile Insurance Co. (1972), 8 Ill. App. 3d 547, 290 N.E.2d 284, the court considered a \u201cspecific exclusion\u201d clause similar to the one at issue. The court held such a clause violated the public policy of our state as expressed through section 143a of the Insurance Code (Ill. Rev. Stat. 1967, ch. 73, pars. 755(a) and 1054), and consequently would not be given effect. These sections of the Insurance Code require any policy of auto insurance must contain coverage for the protection of persons injured by uninsured motorists.\nEconomy maintains Doxtater is distinguishable since in Doxtater there was no other insurance available to the plaintiff, whereas the Kaufmanns are covered by at least one policy. The court in Doxtater, however, concluded:\n\u201d [Ojur Supreme Court would interpret Section 143a of the Insurance Code as a direction to insurance companies to provide uninsured motor vehicle coverage for \u2018insureds,\u2019 regardless of whether, at the time of the injury, the insureds occupied or operated vehicles declared in the subject policy.\u201d Doxtater, 8 Ill. App. 3d 547, 552, 290 N.E.2d 284, 288.\nEconomy claims the \u201cspecific' exclusion\u201d clause in Justin and Geraldine\u2019s policy should be given effect because they would be covered by Daniel\u2019s policy, at least to the extent the law requires. We see no logic behind this rationale. Since the \u201cspecific exclusion\u201d clause is not contingent upon other insurance being available, such a fact need not be considered in determining whether such clause is violative of public policy.\nWe hold the \u201cspecific exclusion\u201d clause in Justin and Geraldine\u2019s policy runs contrary to the public policy of Illinois and will not be recognized as enforceable.\nFor the foregoing reasons the judgment of the circuit court of Cook County is hereby affirmed.\nAffirmed.\nJOHNSON, J., concurs.", "type": "majority", "author": "Mr. PRESIDING JUSTICE DIERINGER" }, { "text": "Mr. JUSTICE LINN,\ndissenting:\nI respectfully dissent from the majority\u2019s finding regarding the \u201cother insurance\u201d clause and would therefore reverse the trial court.\nThe majority has determined that our supreme court\u2019s holding in Glidden v. Farmers Automobile Insurance Association (1974), 57 Ill. 2d 330, 313 N.E.2d 247, compels a finding that the \u201cother insurance\u201d clause is ambiguous and thus ineffective to prevent stacking of the two policies issued to the various members of the Kaufmann family. However, Glidden is distinguishable from the case at bar. Moreover, an examination of our supreme court\u2019s decision in Morelock v. Millers\u2019 Mutual Insurance Association (1971), 49 Ill. 2d 234, 274 N.E.2d 1, reveals an identical factual situation to that in the present case, and accordingly dictates an opposite finding to the one reached by the majority here.\nThe majority has correctly stated that the courts have closely scrutinized insurance clauses under various factual settings, and when an ambiguity arises, courts resolve that ambiguity in favor of the insured. However, the majority has seemingly ignored the fact that excess-escape clauses, such as the one in issue are generally deemed enforceable, and consistently have been held not to offend our public policy despite their frustrating effect. (Morelock v. Millers\u2019 Mutual Insurance Association (1971), 49 Ill. 2d 234, 274 N.E.2d 1; Putnam v. New Amsterdam Casualty Co. (1970), 48 Ill. 2d 71, 269 N.E.2d 97; Winkler v. State Farm Mutual Automobile Insurance Co. (1976), 35 Ill. App. 3d 493, 341 N.E.2d 379.) It is true that this view has put Illinois in fine with a minority of jurisdictions.\nAn attempt has been made by our courts to ameliorate the harsh effect of the \u201cother insurance\u201d clause in certain situations. In Glidden v. Farmers Automobile Insurance Association (1974), 57 Ill. 2d 330, 313 N.E.2d 247, plaintiff had purchased three separate automobile insurance policies for each of his three cars, and had paid separate premiums under each policy for Family Protection Coverage. The Family Protection liability limits were identical in all three policies: *10,000 per person, *20,000 per accident. Each policy also contained an \u201cother insurance\u201d provision which included an \u201cexcess-escape\u201d and a \u201cpro-rata\u201d clause. Plaintiff\u2019s wife, while a pedestrian, was struck and killed by an uninsured motorist. The insurance company sought to apply the pro-rata clause which would have operated to limit the plaintiff\u2019s recovery to one-third under each policy or a total of *10,000 under the three policies. The court rejected defendant\u2019s contention and allowed \u201cstacking\u201d of the three policies for a total coverage of up to *30,000. Under the facts presented in Glidden the court determined that the \u201cother insurance\u201d clause was ambiguous. In applying the standard rule of construction, the court resolved the ambiguity in favor of the insured and against the insurance company.\nHowever, the situation in Glidden is readily distinguishable from that in the instant case. Here, as in Glidden, one company issued all the policies. However, unlike Glidden, in the present case, the policies were purchased by different individuals rather than by the same person. The rationale in Glidden is that one person would not have incurred the additional expense in purchasing separate policies had he contemplated that in so doing, he would have limited his recovery under each. Presumably, if that was the expected result, he would have purchased only one policy. This presumption is supported by the language of Squire v. Economy Fire & Casualty Co. (1976), 43 Ill. App. 3d 113, 116, 356 N.E.2d 1121, 1124:\n\u201c \u00b0 \u00b0 \u00b0 in the case of a single policy covering more than one car, absent an identical premium charge for all the covered cars, we doubt that the parties would ordinarily contemplate the stacking of coverages for pedestrian accidents, but we think their reasonable expectations would be that the sam\u00e9 limits of liability would apply in the event of any accident, whether the person covered were [sic] in an insured car or an uninsured car or were [sic] a pedestrian, and whether the injury were [sic] caused by an insured motorist or by an uninsured motorist.\u201d\nWhile plaintiffs argue that our court\u2019s recent pronouncement in Bertini v. State Farm Mutual Automobile Insurance Co. (1977), 48 Ill. App. 3d 851, 362 N.E.2d 1355, further demands that we allow \u201cstacking\u201d in the present case, we note that Bertini, like Glidden, involved a single insured who had purchased three separate policies from one insurance company. The majority has concluded that plaintiffs contemplated multiple coverage in purchasing the two policies as a single family of insureds. I do not believe Glidden or Bertini may be extended that far. Plaintiffs are separate insureds, albeit at the time of the collision they were members of the same household.\nRather, I believe that Morelock v. Millers\u2019 Mutual Insurance Association (1971), 49 Ill. 2d 234, 274 N.E.2d 1, is dispositive of the instant appeal. In Morelock, plaintiff was driving an automobile owned by her father when she was struck by an automobile driven by an uninsured motorist. The plaintiff was the named insured in a policy issued by the defendant, and her father was the named insured in another policy issued by the defendant. Both policies contained identical Family Protection coverage. Plaintiff\u2019s policy contained an excess-escape clause, identical in wording to that in the case at bar. While the court in Morelock held that the Family Protection coverage under the father\u2019s policy covered the accident, it held that the excess-escape provision in plaintiff\u2019s policy was unambiguous and precluded any additional recovery.\nThe majority impliedly distinguishes Morelock on the grounds that although there existed a father-daughter relationship between the insureds in that case, it appeared that the daughter was emancipated. Thus, there was no issue of duplicative payments for the additional coverage from the same household as in the present case. However, the record in the instant case is devoid of any evidence indicating whether or not Daniel was emancipated from his parents. We only know that he resided with his parents at the time of the accident, although he was living apart from them when he purchased the policy. Therefore, I dispute the majority\u2019s suggestion that Morelock is distinguishable on this ground.\nSince Morelock and Glidden are both viable pronouncements of our Supreme Court (see Winkler v. State Farm Mutual Automobile Insurance Co. (1976), 35 Ill. App. 3d 493, 341 N.E.2d 379), it is incumbent upon us to apply the one that most closely parallels the factual situation before us. The majority has selected Glidden, when as far as the record before us discloses, Morelock is factually identical and therefore should be followed.\nWhere the language of a contract is clear and unambiguous, the court must construe it as written. An insurance policy is no different in this regard than any other contract. (Winkler v. State Farm Mutual Automobile Insurance Co. (1976), 35 Ill. App. 3d 493, 341 N.E.2d 379.) Despite the harsh effect that \u201cother insurance\u201d clauses have under certain factual settings, neither our courts nor our legislature, has determined that \u201cother insurance\u201d clauses may be ignored when their meaning is clear. While I agree with the majority that the \u201cspecific exclusion\u201d present in Justin and Geraldine Kaufmann\u2019s policy is inoperative to bar stacking, it is because the courts have determined that such a provision violates the public policy expressed by our Insurance Code. (Ill. Rev. Stat. 1973, pars. 755(a), 1054; Doxtater v. State Farm Mutual Automobile Insurance Co. (1972), 8 Ill. App. 3d 547, 290 N.E.2d 284.) This is not the case with \u201cother insurance\u201d clauses.\nSince I believe that Morelock rather than Glidden is controlling, it follows that the two policies in this case should not be stacked. The plaintiffs should be limited in their recovery up to the scheduled limits of *10,000 per person and *20,000 per accident under the terms of Daniel\u2019s policy. I would reverse the trial court.\nAs explained by the court in Putnam v. New Amsterdam Casualty Co. (1970), 48 Ill. 2d 71, 76, 269 N.E.2d 97, 99:\n\u201cThe typical pro-rata clause provides that when an insured has other insurance available, the company will be liable only for the proportion of the loss represented by the ratio between its policy limit and the total limits of all available insurance.\u201d\nThe pro-rata, rather than the excess-escape clause was applicable, since plaintiff\u2019s wife was injured while a pedestrian. The excess-escape clause only applied \u201c[w]ith respect to Bodily Injury to an insured while occupying an automobile * * Glidden v. Farmers Automobile Insurance Association (1974), 57 Ill. 2d 330, 333, 312 N.E.2d 247, 249. (Emphasis supplied.)\nI am also cognizant that Glidden involved the construction of a pro-rata, rather than an excess-escape clause but I do not deem that factor to be a persuasive ground for distinction since the rationale of Glidden suggests it would have held the same way under the factual context regardless of the type of clause. See Bertini v. State Farm Mutual Automobile Insurance Co. (1977), 48 Ill. App. 3d 851, 362 N.E.2d 1355.", "type": "dissent", "author": "Mr. JUSTICE LINN," } ], "attorneys": [ "Jacobs, Williams & Montgomery, Ltd., of Chicago, for appellant.", "Robert M. Higgins and Sidney Z. Karasik, both of Chicago, for appellees." ], "corrections": "", "head_matter": "JUSTIN KAUFMANN et al., Plaintiffs-Appellees, v. ECONOMY FIRE AND CASUALTY COMPANY, Defendant-Appellant.\nFirst District (4th Division)\nNo. 76-551\nOpinion filed July 14, 1977.\nRehearing denied November 1, 1977.\nLINN, J., dissenting.\nJacobs, Williams & Montgomery, Ltd., of Chicago, for appellant.\nRobert M. Higgins and Sidney Z. Karasik, both of Chicago, for appellees." }, "file_name": "0940-01", "first_page_order": 962, "last_page_order": 973 }