The construction of an insurance policy is a question of law subject to de novo review. 312 Ill. App. The primary objective in construing the language of a policy is to ascertain and give effect to the intentions of the parties as expressed in their agreement. Language in a policy will not be enforced, however, if it contradicts public policy as mandated by the Illinois legislature. 305 Ill. App.
Insurance is based upon the theory of spreading risk among many policy holders.
84 Ill. App. 152 Ill. App. Shall insure the person named therein and any other person using or responsible for the use of such motor vehicle or vehicles with the express or implied permission of the insured . In Universal Underwriters , a car dealership allowed Rodney Luckhart to test-drive one of its vehicles. During the test-drive, Luckhart was involved in an automobile accident.