Crowley v. Empire Fire and Marine Insurance Co.

Exclusion in a supplemental insurance policy purchased with rental car, which applied if the insured was under the influence of alcohol or drugs, was not unenforceable as a matter of public policy. No Illinois statute precludes an intoxication exclusion in an excess or supplemental liability policy. Thus, insurer's denial of excess or supplemental coverage to insured based on his violation of the insurance contract does not violate public policy.(BIRKETT and HUTCHINSON, concurring.)