Ana Reyes was the owner of a motor vehicle and was the sole named insured. She purchased auto insurance from American Access Casualty Co., and the policy specifically said there would be no liability coverage for any accident in which she was operating a motor vehicle.
On Oct. 30, 2007, Reyes allegedly drove the Chrysler sedan she owned and hit two pedestrians, killing a 4-year-old boy and injuring his mother.
The Jasso family, who were the injured mother and fatally injured child, had uninsured motorist coverage with State Farm Insurance Co. The question for the Illinois Supreme Court in this case was the dispute between American Access and State Farm as to whether public policy as established under §7-317(b)(2) of the Illinois Vehicle Code serves to block insurance companies from excluding coverage for a policy’s sole named insured. With Justice Thomas Kilbride dissenting, the Illinois Supreme Court concluded “an automobile liability insurance policy cannot exclude the sole named insured since such an exclusion conflicts with the plain language of Section 7-317(b)(2) and, therefore, violates public policy.”