Most significant contacts test applied dependent on where action filed, where plaintiff domiciled and where injury occurred.
All available primary insurance must be exhausted before excess coverage triggered.
Injury-in-fact trigger adopted.
The Court followed the line of Illinois cases holding that, where the certificate of insurance refers to the policy and expressly disclaims any coverage other than that contained in the policy, the policy should govern the extent and terms of the coverage.
No valid claim existed for material misrepresentation when insured failed to allege that undisclosed drivers lived with insured when applications were executed.
Auto dealer’s insurer can subrogate against dealer’s customer to recover damages to dealer’s vehicle.
Neither the policy language nor public policy required auto dealer’s policy to defend or indemnify customer for damages to the dealer’s car.
Spoliation constituted loss of use of auto covered under garage inventory policy.
Where an excess clause and an excess-escape clause are in conflict, a proration of liability by policy limits is appropriate.
Customer using a loaner car is an insured under the garage policy.