{"id":4075,"date":"2014-08-14T10:00:54","date_gmt":"2014-08-14T15:00:54","guid":{"rendered":"http:\/\/injury.robertkreisman.com\/?p=4075"},"modified":"2014-08-13T15:08:38","modified_gmt":"2014-08-13T20:08:38","slug":"illinois-appellate-courts-holds-umbrella-policies-required-either-public-policy-statutory-requirement-provide-underinsured-motorist-coverage","status":"publish","type":"post","link":"https:\/\/www.robertkreisman.com\/injury-lawyer\/illinois-appellate-courts-holds-umbrella-policies-required-either-public-policy-statutory-requirement-provide-underinsured-motorist-coverage\/","title":{"rendered":"Illinois Appellate Courts Holds that Umbrella Policies not Required by Either Public Policy or Statutory Requirement to Provide Underinsured Motorist Coverage"},"content":{"rendered":"<p>Mei Pang was a passenger in a car driven by Ingrid Chan in January 2002 when a crash occurred between Chan\u2019s car and another vehicle driven by Donald McGinnis. Pang was injured severely. McGinnis\u2019s insurer paid Pang $100,000 to settle her personal injury lawsuit and claim.<\/p>\n<p>Chan was insured by <a href=\"http:\/\/www.farmers.com\/?SourceID=MSNC501L259&amp;utm_medium=Branded&amp;utm_source=Bing&amp;utm_campaign=B%20%20Farmers%20Exact&amp;utm_content=farmers%20insurance%20group&amp;gclid=COiUjI-CkcACFYzSKgodSmUA7A&amp;gclsrc=ds\">Farmers Insurance Group<\/a>. Chan and her husband had a special \u201cumbrella policy.\u201d The umbrella policy covered the named insureds (the Chans themselves), any relatives of the Chans by blood, marriage or adoption or any person under 21 in the care of the named insured.<\/p>\n<p>On Jan. 7, 2010, Pang filed a complaint for underinsured motorist coverage seeking coverage both from Farmers under the Chan umbrella policy and also from <a href=\"http:\/\/www.usinsuranceonline.com\/?kno=2&amp;wsc=1&amp;adv=16&amp;kw=mid%20century%20car%20insurance&amp;tk=bXNuLGJpbmcgLSBhdXRvLEJpbmcgLSBBdXRvIC0gQnJhbmRzLE1pZCBDZW50dXJ5IC0gQnJvYWQsbWlkIGNlbnR1cnkgY2FyIGluc3VyYW5jZQ==&amp;heading=Mid%20Century%20Insurance%20-%20Free%20Online%20Quotes&amp;size=28&amp;kid=kw256272b&amp;KID=468ac78f-c3f1-34c8-3327-00006a8cde89\">Mid-Century Insurance Co.<\/a>, which issued the Chans their primary auto insurance policy.<\/p>\n<p> <a href=\"https:\/\/www.robertkreisman.com\/injury-lawyer\/illinois-appellate-courts-holds-umbrella-policies-required-either-public-policy-statutory-requirement-provide-underinsured-motorist-coverage\/#more-4075\" class=\"more-link\">Continue reading<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mei Pang was a passenger in a car driven by Ingrid Chan in January 2002 when a crash occurred between Chan\u2019s car and another vehicle driven by Donald McGinnis. Pang was injured severely. McGinnis\u2019s insurer paid Pang $100,000 to settle her personal injury lawsuit and claim. Chan was insured by Farmers Insurance Group. Chan and [&hellip;]<\/p>\n","protected":false},"author":795,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[91,45,5,19,56,120],"tags":[],"class_list":["post-4075","post","type-post","status-publish","format-standard","hentry","category-appellate-procedure","category-auto-accidents","category-car-accidents","category-insurance-claims","category-personal-injury","category-uninsuredunderinsured-motorist-claims"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Illinois Appellate Courts Holds that Umbrella Policies not Required by Either Public Policy or Statutory Requirement to Provide Underinsured Motorist Coverage &#8212; Chicago Injury Lawyer Blog<\/title>\n<meta name=\"description\" content=\"Mei Pang was a passenger in a car driven by Ingrid Chan in January 2002 when a crash occurred between Chan\u2019s car and another vehicle driven by Donald\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.robertkreisman.com\/injury-lawyer\/illinois-appellate-courts-holds-umbrella-policies-required-either-public-policy-statutory-requirement-provide-underinsured-motorist-coverage\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Illinois Appellate Courts Holds that Umbrella Policies not Required by Either Public Policy or Statutory Requirement to Provide Underinsured Motorist Coverage &#8212; Chicago Injury Lawyer Blog\" \/>\n<meta name=\"twitter:description\" content=\"Mei Pang was a passenger in a car driven by Ingrid Chan in January 2002 when a crash occurred between Chan\u2019s car and another vehicle driven by Donald\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Robert Kreisman\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Illinois Appellate Courts Holds that Umbrella Policies not Required by Either Public Policy or Statutory Requirement to Provide Underinsured Motorist Coverage &#8212; 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