Polk v. Progressive Northern Insurance Co.

In an insurance coverage matter arising out of a wrongful death lawsuit, plaintiff appealed after the district court granted judgment for the defendants by finding that the insurance policies provided per accident, as opposed to per person, coverage and that anti-stacking language limited the plaintiff’s recovery to the highest underinsured motorist coverage available under any one policy. The Seventh Circuit affirmed, finding that the language of the policies was clear and prevented insureds from combining multiple UIM policies to increase coverage. (EASTERBROOK and KOLAR, concurring)