Insurance law — umbrella policies, motorist policies

Posted July 22, 2014 2:54 PM

Where an insurer provides an umbrella policy to an insured already in possession of primary automobile insurance, the umbrella policy is not required by either public policy or statutory requirement to provide underinsured motorist coverage, and unless it explicitly claims to, no such coverage should be assumed. The Illinois Appellate Court, 1st District, 4th Division, affirmed the decision of Cook County Associate Judge Rita M. Novak. On Jan. 2, 2002, Mei Pang was a passenger in a vehicle operated by Ingrid Chan. A …

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