Permission to Stack Insurance Coverages for All Vehicles Listed In a Declarations Page
In Yates v. Farmers Automobile Insurance Ass'n, 311 Ill. App. 3d 797, 800, 724 N.E.2d 1042, 244 Ill. Dec. 154 (2000), the allegedly limiting provision stated that the insurer's limit of liability was the limit shown in the declarations, regardless of the number of insureds or the number of vehicles or premiums shown therein; however, the declarations page itself appeared to suggest separate limits for each of two vehicles for which premium payments were made. Yates, 311 Ill. App. 3d at 799-800.
The Yates court therefore detected an ambiguity and held that a liberal interpretation in favor of the insured required that the insured be permitted to stack her coverages for both vehicles listed in the declarations. Yates, 311 Ill. App. 3d at 800.