The Illinois Appellate Court recently reviewed questions of insurance policy limits regarding an Illinois trucking accident. The Illinois truck crash involved a truck and three semi trucks who were all employed by the same company, Wayne Wilkens Trucking. The issue in Auto-Owners Ins. Co. v. Munroe, 7th Cir., No. 09-3427, was whether the relevant accident constituted one single claim or whether it was three separate claims.
The three tractor-trailers were driving in a convoy format, heading northbound on an Illinois highway. At the time of the truck accident the individual driver, Joshua Monroe, was driving southbound in opposing lanes of traffic. The second truck in the convoy was trying to pass the first truck, but veered back into line when he saw Monroe headed towards him. However, the driver of truck two did not do so fast enough and Monroe’s tractor-trailer hit the back of the second vehicle, which in turn caused Monroe to spin into truck three.
As a result of the Illinois truck crash, Monroe sustained severe burns and several broken bones. His claim against the three trucks’ employer, Wayne Wilkens Trucking, alleged that his injuries were the result of three separate acts of negligence on behalf of Wilken’s employees. It alleged that driver two negligently attempted to pass another vehicle when it was unsafe, that driver one failed to yield to the driver two, and that driver three was tailgating driver three. Monroe’s claim further alleged that because there were three separate acts of negligence that there should also be three different claims.
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