Illinois Appellate Court
Civil Court
Insurance
(Court opinion corrected 4/10/15.) Plaintiff insurer filed declaratory judgment action seeking declaration that its underinsured motorist coverage did not cover policyholder's son for injuries sustained in car accident while attending college in Colorado. Insurer provided 3 auto insurance policies: two to student's father and one to stepmother. Student is covered under policies as "a child away at school". Student did not lose coverage when he registered to vote in Colorado and obtained Colorado driver's license, as policy does not state exclusion will occur in such cases. As student is not a party to contract, his intent as to whether to return to Illinois is not an issue. (McBRIDE and REYES, concurring.)