Opinion ID: 1922414
Heading Depth: 1
Heading Rank: 4

Heading: Unambiguous Provision

Text: Beginning with the premise that we apply general insurance contract principles that are consistent with New York and Illinois law, we look first to determine if the insurance contract is ambiguous. We agree with the Superior Court that it is unambiguous. The term arising out of is one that lends itself to uncomplicated, common understanding. [20] Surely, if the fen-phen suits against Eon are characterized as involving solely its product phentermine, those suits arise out of Eon's product. Therefore, they would fall within the exclusion. Product liability suits predicated on the combination of phentermine and/or fenfluramine or dexfenflurame (the combination claims) likewise arise out of Eon's product phentermine. This must follow because, but for Eon's product, there would be no combination that would lead to the fen-phen claims. [21]