State Farm Doesn't Need To Cover Fatal Crash, Ill. Court Says

Law360 (March 26, 2020, 6:22 PM EDT) -- State Farm is not on the hook for medical bills arising out of a car accident that killed several passengers and injured others because the Hertz vehicle rented for the trip doesn't qualify as a "temporary substitute car" as defined in the driver's auto insurance policy, an Illinois appellate court ruled Wednesday.

Reversing the crash victims' summary judgment win, the appellate panel said that a "temporary substitute car" is defined under the policy as a rented vehicle driven when the policyholder's insured vehicle is "out of use" due to "breakdown; repair; servicing; damage; or theft." That wasn't the case here, where...

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