In this case the parties fought over the insurance policies arising out of the wrongful death of Daniel Zacha, an employee of S&S Service Co. Mr. Zacha was driving a tractor-trailer owned by Coca-Cola Enterprises back to the S&S garage for repairs; in the process, he caused a head-on crash with the driver of a minivan, which resulted in that driver’s death.
Under the Illinois Vehicle Code, insurance companies are generally required to extend protection under liability policies to persons who are driving insured vehicles with express or implied permission of the owners.
The Illinois Supreme Court explained the statutory requirement of the Illinois Vehicle Code naming it “omnibus coverage,” which means “primary liability is generally placed on the insurer of the owner of an automobile rather than on the insurer of the operator” – unless a statutory exception applies.