Court Opinion

ID: 2789480
Source: CourtListenerOpinion
Date Created: 2015-03-26 17:07:40.334806+00
Date Added: 2024-06-11T11:28:50.093430
License: Public Domain

1       IN THE SUPREME COURT OF THE STATE OF NEW MEXICO

 2 Opinion Number:______________

 3 Filing Date: March 26, 2015

 4 NO. 34,607

 5 EDWARD LUCERO, JR., and
 6 ELAINE LUCERO,

 7        Plaintiffs-Respondents,

 8 v.

 9 NORTHLAND INSURANCE COMPANY,

10        Defendant-Petitioner.

11 ORIGINAL PROCEEDING ON CERTIORARI
12 Louis E. Depauli, Jr., District Judge

13   Montgomery & Andrews, P.A.
14   Kevin M. Sexton
15   Andrew S. Montgomery
16   Santa Fe, NM

17 for Petitioner

18 O’Connell Law, L.L.C.
19 Erin B. O’Connell
20 Albuquerque, NM

21 Law Offices of Geoffrey R. Romero
 1 Geoffrey R. Romero
 2 Albuquerque, NM

 3 The Vargas Law Firm, L.L.C.
 4 Ray M. Vargas, II
 5 Albuquerque, NM

 6 for Respondents

 7   Butt, Thornton & Baehr, P.C.
 8   Paul Trafton Yarbrough
 9   Jane A. Laflin
10   Albuquerque, NM

11   Rodey, Dickason, Sloan, Akin & Robb, P.A.
12   Thomas A. Outler
13   Seth L. Sparks
14   Albuquerque, NM

15 Civerolo, Gralow, Hill & Curtis, P.A.
16 Lance Dean Richards
17 Albuquerque, NM

18 for Amici Curiae American Trucking Associations, Inc., Trucking Industry
19 Defense Association and New Mexico Trucking Association
 1                                       OPINION

 2 BOSSON, Justice.

 3   {1}   A trucking company purchased a liability insurance policy covering each of its

 4 several tractors and trailers. The policy stipulated that liability coverage would be

 5 limited to “$1,000,000 each ‘accident.’” A tractor-trailer rig insured under the policy

 6 was involved in a single accident. The question before us is whether $1,000,000 is

 7 the limit per accident for both vehicles (the tractor and the trailer) or whether each

 8 vehicle has liability coverage in the amount of $1,000,000. The district court

 9 interpreted the policy to limit its coverage to $1,000,000; our Court of Appeals

10 disagreed and reversed. Because this dispute affects not only the parties to this

11 lawsuit but arguably New Mexico’s place among the many jurisdictions that have

12 grappled with similar policy language, we granted certiorari and now reverse the

13 Court of Appeals.

14 BACKGROUND

15   {2}   The facts in this case are undisputed. The Luceros were severely injured when

16 their vehicle was hit by a tractor-trailer negligently driven by an employee of H & J

17 Hamilton Trucking Company, insured by Defendant Northland Insurance Company.

18 Northland defended Hamilton in the ensuing lawsuit. Eventually, Northland

19 stipulated to liability, and the Luceros agreed to dismiss all claims against Northland
 1 and its insured in exchange for a settlement in the amount of policy limits.

 2   {3}   The parties disagreed, however, as to the policy limits. Before the district court,

 3 the parties filed cross-motions for summary judgment seeking to answer this question.

 4 Northland maintained that its insurance policy limits liability to $1,000,000 for each

 5 accident, an amount it tendered to the Luceros. The Luceros, on the other hand,

 6 interpreted the policy as providing $1,000,000 for each covered auto. Hamilton’s

 7 tractor and trailer are both covered autos under the policy, so the Luceros sought

 8 $1,000,000 for each, or $2,000,000 for both. The district court agreed with

 9 Northland’s reading of the insurance policy and granted summary judgment for

10 $1,000,000. The Court of Appeals reversed, agreeing with the Luceros. See Lucero

11 v. Northland Ins. Co., 2014-NMCA-055, ¶¶ 1, 27, 326 P.3d 42.

12 DISCUSSION

13   {4}   Because the insurance policy before us involves liability coverage, we interpret

14 the policy “in accordance with the same principles which govern the interpretation

15 of all contracts.” Ponder v. State Farm Mut. Auto. Ins. Co., 2000-NMSC-033, ¶ 11,

16 129 N.M. 698, 12 P.3d 960 (internal quotation marks and citation omitted). Our

17 primary goal is to determine “the intentions of the contracting parties . . . at the time

18 they executed the [policy].” Id. “When discerning the purpose, meaning, and intent

                                                2
 1 of the parties to a contract, the court’s duty is confined to interpreting the contract

 2 that the parties made for themselves, and absent any ambiguity, the court may not

 3 alter or fabricate a new agreement for the parties.” CC Hous. Corp. v. Ryder Truck

 4 Rental, Inc., 1987-NMSC-117, ¶ 6, 106 N.M. 577, 746 P.2d 1109. “Thus, when the

 5 policy language is clear and unambiguous, we must give effect to the contract and

 6 enforce it as written.” Ponder, 2000-NMSC-033, ¶11.

 7 The Insurance Policy

 8   {5}   Three sections of the policy before us are particularly relevant in resolving this

 9 case: Declarations Item Two, “Schedule of Coverages and Covered Autos,” Section

10 II(A), “Liability Coverage,” and Section II(C), “Limit of Insurance.” We look first to

11 the Declarations page, Item Two, entitled “Schedule of Coverages and Covered

12 Autos,” which we insert from the original.

13   {6}   We note particularly the language stating: “This policy provides only those

14 coverages where a charge is shown in the premium column below. Each of these

                                               3
 1 coverages will apply only to those ‘autos’ shown as Covered ‘Autos.’” As noted

 2 above, the Declarations page then provides, and sets forth separate premiums for,

 3 various kinds of coverages including the liability coverage for bodily injury and

 4 property damage at issue in this lawsuit. “Covered Auto” is a defined term in the

 5 policy that refers in a separate page to Hamilton’s five tractors and six trailers,

 6 including both the tractor and the trailer involved in this accident. Accordingly,

 7 Northland is clearly liable for the negligence of its insured up to any limits of liability

 8 the policy declares. As is evident from the quoted portion of the Declarations page,

 9 the policy limits liability coverage to a maximum of “$1,000,000 each ‘accident.’”

10   {7}   Moving beyond the Declarations page to the main body of the policy, the next

11 significant provision, Section II(A) “Liability Coverage,” reads as follows:

                                                4
1   {8}    The third relevant policy provision, Section II(C) entitled “Limit of Insurance,”

2 then proceeds to define the limit on liability coverage:

3   {9}    Reading the three provisions together, we see that Northland’s promise in

4 Section II (A) to “pay all sums an ‘insured’ legally must pay as damages . . . caused

5 by an ‘accident’ and resulting from the . . . use of a covered ‘auto’,” is limited by

6 Section II(C), “the most we will pay for . . . all damages . . . resulting from any one

7 ‘accident.’” That limit is “$1,000,000 each ‘accident’” as stated on the Declarations

8 page.

9   {10}   The Luceros read the policy as promising something different. They argue that

                                               5
 1 the policy provides $1,000,000 in liability coverage for each “covered auto” involved

 2 in any one accident. Because two “covered autos” were involved in this accident (the

 3 tractor and the trailer) and because each “covered auto” carries $1,000,000 in liability

 4 coverage, the Luceros contend that the policy limits in this case are $2,000,000, not

 5 $1,000,000. The Court of Appeals agreed with the Luceros’ position. See Lucero,

 6 2014-NMCA-055, ¶ 13 (“Defendant is obligated to provide $1 million in coverage

 7 for the tractor involved in the accident and $1 million in coverage for the trailer

 8 involved in the same accident, for a total of $2 million in coverage.”).

 9   {11}   As authority for their conclusion, the Luceros look first to the Declarations

10 page Schedule of Coverages, previously quoted, which states in part that “[e]ach of

11 these coverages will apply only to those ‘autos’ shown as Covered ‘Autos.’” The

12 Luceros read this as a grant of coverage up to the policy limits of $1,000,000 for each

13 covered auto involved in any accident, including this situation involving two covered

14 autos in one accident. We question whether the policy really grants such expansive

15 coverage.

16   {12}   First, the policy simply does not say that it grants coverage in the amount of

17 policy limits for each covered auto, each accident. The language does not read, “each

18 of these coverages will apply to [each of] those autos shown . . . .” The language

                                               6
 1 states instead that “[e]ach of these coverages will apply only to those ‘autos’ shown

 2 . . . .” It is as if the Luceros would read the word “only” out of the sentence.

 3 Textually, the provision is phrased not as a grant but as a limitation: “only” those

 4 autos shown on the list of covered autos are eligible for $1,000,000 of liability

 5 coverage. There is a critical distinction between a grant of coverage and “the amount

 6 of such coverage.” See Vigil v. California Cas. Ins. Co., 1991-NMSC-050, ¶¶ 7-8,

 7 112 N.M. 67, 811 P.2d 565 (emphasis added). Plainly, the Declarations page makes

 8 liability coverage available for each of the covered autos, but it does not grant policy

 9 limits for each covered auto.

10   {13}   The Declarations page then stipulates that its limit of liability is “$1,000,000

11 each ‘accident.’” Clearly then, liability coverage is not boundless; the policy does not

12 say “$1,000,000 each covered auto each accident.” The limitation on the Declarations

13 page apparently applies as an outside limit per “accident” without regard to the

14 number of covered autos involved.

15   {14}   Even, however, if there were reasonable grounds for disagreement over the

16 terms of the Declarations page, language in the body of the policy settles the matter.

17 Section II(A) of the policy, previously quoted, states: “Our duty to defend or settle

18 ends when the Liability Coverage Limit of Insurance has been exhausted by payment

                                                7
 1 of judgments or settlements.” As previously discussed, the Declarations page

 2 provides that this limit is $1,000,000 each accident. Section II(C) of the policy then

 3 says the same thing in terms of a “per accident” outside limit on what Northland will

 4 pay. It states: “Regardless of the number of covered ‘autos’ . . . or vehicles involved

 5 in the ‘accident’,” the most Northland will pay “for the total of all damages . . .

 6 resulting from any one ‘accident’ is the Limit of Insurance for Liability Coverage

 7 shown in the Declarations [$1,000,000 each accident].” Therefore, the argument

 8 advanced by the Luceros that the policy provides $1,000,000 in coverage for “each

 9 covered auto in each accident” simply does not find support in the language of the

10 policy. The policy limits Northland’s exposure to $1,000,000 per accident regardless

11 of the number of covered autos involved in any one accident.

12   {15}   Importantly, we observe that other jurisdictions interpreting similar insurance

13 clauses have reached a similar conclusion. See Grinnell Select Ins. Co. v. Baker, 362

14 F.3d 1005, 1006 (7th Cir. 2004) (“This is the most we will pay regardless of the

15 number of: 1. ‘Insureds’; 2. Claims made; 3. Vehicles or premiums shown in the

16 Declarations; or 4. Vehicles involved in the auto accident.”); Auto-Owners Ins. Co.

17 v. Munroe, 614 F.3d 322, 324-25 (7th Cir. 2010) (“The ‘Combined Limit of Liability’

18 provision . . . provides that the per-occurrence limit—$1,000,000—is the most that

                                               8
 1 Auto-Owners will pay, ‘regardless of the number of automobiles shown in the

 2 Declarations . . . or automobiles involved in the occurrence.’” (second omission in

 3 original)); Suh v. Dennis, 614 A.2d 1367, 1370 (N.J. Super. Ct. Law Div. 1992)

 4 (“Regardless of the number of covered ‘autos’, ‘insureds’, premiums paid, claims

 5 made, or vehicles involved in the ‘accident’, the most we will pay for all damages

 6 resulting in any one ‘accident’ is the Limit of Insurance for Liability Coverage shown

 7 in the Declarations.”); United Servs. Auto. Ass’n v. Baggett, 258 Cal. Rptr. 52, 54 (Ct.

 8 App. 1989) (“This is the most we will pay regardless of the number of: 1. Covered

 9 persons; 2. Claims made; 3. Vehicles or premiums shown in the Declarations; or 4.

10 Vehicles involved in the auto accident.” (internal alterations omitted)); United Servs.

11 Auto. Ass’n v. Wilkinson, 569 A.2d 749, 751-52 (N.H. 1989) (“Regardless of the

12 number of covered autos, insureds, claims made or vehicles involved in the accident,

13 our limit of liability is as follows: . . . The most we will pay for all damages resulting

14 from bodily injury to any one person caused by any one accident is the limit shown

15 in this endorsement for ‘each person’.”); Banner v. Raisin Valley, Inc., 31 F. Supp.

16 2d 591, 592 (N.D. Ohio 1998) (“The limitation of liability section clearly states that

17 the limit applies regardless of the number of vehicles involved in the accident.”). The

18 Luceros offer little contrary authority.

                                               9
 1   {16}   The Luceros, focusing on the precise language and phrasing of Section II(C),

 2 put forward a different theory of that section’s intent, essentially arguing that the

 3 limits of that section simply do not apply when two covered autos are involved in one

 4 accident. For ease of reference, we state the Limitation of Insurance clause once

 5 more.

 6          Regardless of the number of covered “autos”, “insureds”, premiums
 7          paid, claims made or vehicles involved in the “accident”, the most we
 8          will pay for . . . any one “accident” is the Limit of Insurance for Liability
 9          Coverage shown in the Declarations [$1,000,000 each accident].

10   {17}   The Luceros point out that “[r]egardless of the number of covered ‘autos’” as

11 stated in Section II(C) does not say “regardless of the number of covered autos

12 involved in the accident.” The Luceros argue that since the phrase is not tied to

13 covered autos involved in the accident, then the phrase should be read as, “regardless

14 of the number of covered autos not involved in the accident.”

15   {18}   This interpretation, according to the Luceros, makes the phrase an anti-stacking

16 clause and not a limit on per-accident liability. Anti-stacking clauses are typically

17 designed to prevent the insured from aggregating (stacking) policy limits that apply

18 to covered vehicles that are not involved in the particular accident. See Lucero, 2014-

19 NMCA-055, ¶ 19. Here, the Luceros are not trying to aggregate (or stack) policy

                                                 10
 1 limits for covered autos not involved in the accident; they seek to aggregate the limits

 2 provided for each of the covered autos that is involved in the accident. Therefore, the

 3 Luceros argue that the limits referred to in Section II(C) do not apply to this particular

 4 circumstance where more than one covered auto is involved in a single accident.1

 5   {19}   Of course, the Limitation of Insurance clause does use the term “involved in

 6 the accident” after the word “vehicles” (“[r]egardless of the number of . . . vehicles

 7 involved in the ‘accident’”). The Luceros argue that the term “involved in the

 8 ‘accident’” only modifies “vehicles” and not any of the antecedent terms before

 9 it—like covered autos (“[r]egardless of the number of covered ‘autos’”). The Luceros

10 note the absence of a comma between “claims made” and “or vehicles involved in the

11 accident.”2 The Luceros point out that “covered autos” is specifically defined in the

            1
12           We note that while stacking generally involves aggregating the policies of the
13   vehicles not involved in the accident, merely saying a clause is an anti-stacking clause
14   is not alone dispositive. A court should look to the facts of the case and the language
15   as a whole to determine if a clause is actually an anti-stacking clause. See Progressive
16   Premier Ins. Co. of Ill. v. Kocher ex rel. Fleming, 932 N.E.2d 1094, 1098 (Ill. App.
17   Ct. 2010).
            2
18          According to the Doctrine of the Last Antecedent, “[e]vidence that a
19   qualifying phrase is supposed to apply to all antecedents instead of only to the
20   immediately preceding one may be found in the fact that it is separated from the
21   antecedent by a comma.” Terri LeClercq, Doctrine of the Last Antecedent: The
22   Mystifying Morass of Ambiguous Modifiers, 40 Tex. J. Bus. L. 199, 210 (2004)
23   (footnote, internal quotation marks and citation omitted).

                                               11
 1 policy whereas the term “vehicles” is not, and therefore, “vehicles” is intended to

 2 refer to something other than “covered autos.” Instead, the Luceros argue that

 3 “vehicles” is a generic term that refers to all autos and not “covered autos,” a

 4 debatable assertion given that all “covered autos” must as well be “vehicles.”

 5   {20}   Thus, argue the Luceros, by putting the term “vehicles” instead of “covered

 6 autos” right before the phrase “involved in the accident,” Northland must have

 7 intended the clause “involved in the ‘accident’” to mean that the limits in the

 8 Declarations page apply regardless of the number of other vehicles involved or claims

 9 made against the insured. For example, the limit of liability would be the same if the

10 insured was in an accident with one other vehicle or one hundred other vehicles.

11 Similarly, the limit of liability would be the same whether there were one hundred

12 claims against the insured or one.

13   {21}   But, according to the Luceros, this clause was not intended to modify or limit

14 liability for multiple “covered autos” involved in the accident. In that case, there

15 would be no limit. Northland would have to pay $2,000,000 for two covered autos in

16 one accident, $6,000,000 for six covered autos, even $11,000,000 if all eleven

17 covered autos were somehow involved in a single accident. At the very least, the

                                              12
 1 Luceros’ interpretation suggests ambiguity, and ambiguity in contracts should be

 2 interpreted in favor of the insured.

 3   {22}   We note that “a contract is ambiguous if a genuine doubt appears as to its

 4 meaning, that is, if after applying established rules of interpretation, the written

 5 instrument remains reasonably susceptible to at least two reasonable but conflicting

 6 meanings . . . .” 11 Williston on Contracts: Ambiguity as a prerequisite to

 7 interpretation and construction § 30:4 (4th ed. 2014) (emphasis added) (footnotes

 8 omitted). This does not mean that every possible interpretation will lead to an

 9 ambiguity. While the Luceros’ reading is not entirely implausible, it relies in part on

10 a very technical rule of English known as the Doctrine of the Last Antecedent. See

11 LeClercq, supra, at 201-02. Such rules may inform our analysis, but they are merely

12 a guide to discerning legislative intent. Hale v. Basin Motor Co., 1990-NMSC-068,

13 110 N.M. 314, 795 P.2d 1006. We believe our duty is not to impose hyper-technical

14 rules of grammar when interpreting the true intentions of parties to a contract. If that

15 were our duty, then most contracts would be ambiguous.

16   {23}   From the text of Section II(C), considered as a whole and not parsed too finely,

17 we believe it is clear that Northland intended its “$1,000,000 each ‘accident’”

18 limitation to apply “[r]egardless of the number of covered ‘autos’ . . . or vehicles” that

                                               13
 1 are “involved in the ‘accident’.” Regardless of that number, not the number of

 2 covered autos not involved in the accident, the policy proclaims its limit: “[T]he most

 3 we will pay for the total of all damages . . . resulting from any one ‘accident’” is

 4 $1,000,000.

 5   {24}   Reading Section II(C) as a per-accident limit of liability regardless of the

 6 number of covered autos involved in the accident, appears to be consistent with the

 7 majority of jurisdictions that have addressed this issue. It is also consistent with

 8 similar cases in which the tractor and the trailer are both involved in a single accident.

 9 See Munroe, 614 F.3d at 325 (following the accident of a tractor trailer, the policy

10 unambiguously limits coverage to $1,000,000); Canal Ins. Co. v. Blankenship, 129

11 F. Supp. 2d 950, 953 (S.D. W. Va. 2001) (the policy liability for the truck and trailer

12 was properly limited to $1,000,000 and did not provide for $2,000,000 policy limits);

13 Carolina Cas. Ins. Co. v. Estate of Karpov, 559 F.3d 621, 625 (7th Cir. 2009)

14 (although the accident involved a covered tractor and trailer, “[t]he insurance policy

15 clearly and expressly limited [the insurer’s] liability to a maximum of $1,000,000 per

16 accident”).

17   {25}   We note three cases that are particularly helpful in deciding this issue. First, in

18 Auto-Owners Ins. Co. v. Anderson, 756 So. 2d 29 (Fla. 2000), the Florida Supreme

                                                14
 1 Court construed a limit of liability clause after a tractor-trailer rig caused an accident

 2 with a single car. Id. at 31-32. Although the Court found that the language of the

 3 limitation-of-liability clause in that particular policy was ambiguous, it turned to

 4 several cases from other jurisdictions as an example of what the insurer should have

 5 done to make its liability limit unambiguous. Id. at 33-36. The Florida Court stated:

 6          In contrast to the clause drafted by Auto-Owners in this case, the
 7          limiting provisions of the insurance policies set forth in the recent
 8          reported decisions include an introductory qualifying clause that clearly
 9          and unambiguously explains that liability coverage is limited to a certain
10          amount “regardless” of the number of vehicles involved in the accident.

11 Id. at 36. See also State Auto Ins. Co. v. Stinson, 142 F.3d 436 (6th Cir.1998)

12 (unpublished table decision); Weimer v. Country Mut. Ins. Co., 575 N.W.2d 466, 469

13 n.6 (Wis. 1998); Dennis, 614 A.2d at 1370. The limiting phrase “regardless of the

14 number of vehicles involved in the accident” is of course strikingly similar to

15 Northland’s language in this very case.

16   {26}   Referring to these other cases, the Florida Court then observed,

17          The presence of these qualifying clauses evidences an established
18          custom in the insurance industry as to the language used by insurers in
19          drafting clauses where the intent is to limit liability coverage to a single
20          amount, even though multiple insured vehicles are involved in an
21          accident. As these out-of-state cases demonstrate, when multiple insured
22          vehicles are involved in a single accident, a limitation of liability can be
23          achieved by the simple use of a qualifying clause.

                                                15
 1 Anderson, 756 So. 2d at 36 (citation omitted).

 2   {27}   We regard this reference to a “custom in the insurance industry” as significant.

 3 Because Northland can justifiably rely on limiting phraseology accepted elsewhere

 4 to achieve its desired objective, we should proceed cautiously before creating

 5 different expectations solely for our state.

 6   {28}   Similarly, the United States Court of Appeals for the Seventh Circuit

 7 interpreted a limit-of-liability clause after three sets of tractor-trailers, all owned by

 8 the insured, were involved in one accident. Munroe, 614 F.3d at 323. The policy

 9 contained a combined limit of liability of $1,000,000 per occurrence “‘regardless of

10 the number of automobiles shown in the Declarations . . . or automobiles involved in

11 the occurrence.’” Id. at 325 (omission in original). The Court found no ambiguity:

12 “While the Munroes attempt to find ambiguity, including in the terms ‘automobiles’

13 and ‘combined,’ these contortions merit little discussion here: applied to the facts of

14 this case, the unambiguous terms of the policy limit the coverage to $1,000,000 for

15 each occurrence, notwithstanding the involvement of three . . . tractor-trailers.” Id.

16   {29}   Finally, the United States District Court for the Southern District of West

17 Virginia interpreted a limit of liability clause after a tractor and trailer were involved

18 in a deadly accident. Blankenship, 129 F. Supp. 2d at 952. The sole question was

                                               16
 1 whether the policy limit provided $1,000,000 total liability coverage or $1,000,000

 2 for each vehicle. Id. The policy contained a clause that read “[r]egardless of the

 3 number of . . . automobiles to which this policy applies, . . . [t]he limit of liability

 4 stated in the schedule of the policy as applicable to ‘each occurrence’ is the total

 5 limit of the company’s liability . . . .” Id. The injured parties claimed that this

 6 language was ambiguous “because it does not limit liability to one million dollars per

 7 occurrence when more than one covered vehicle is involved in the accident.” Id. at

 8 953. They suggested that the insurance company should have added the language

 9 “‘regardless of the number of vehicles involved in the accident.’” Id. (emphasis

10 added). The Court held that the insurance policy was not ambiguous and provided

11 coverage up to $1,000,000 per occurrence. Id. at 956. The Court noted that “[a] court

12 should read policy provisions to avoid ambiguities and not torture the language to

13 create them.” Id. at 953 (internal quotation marks and citation omitted).

14   {30}   Thus, we are satisfied that Northland’s position appears to be more in line with

15 the “custom” within the industry and the jurisprudence construing it. While that

16 observation is not necessarily dispositive, it does inform our deliberations. The

17 Luceros’ position, on the other hand, appears to be almost without supporting

18 authority, at least in terms of cases interpreting similar policy language. In its briefing

                                               17
 1 to this Court, Northland asserted that the Luceros’ interpretation of the policy, as

 2 adopted by our Court of Appeals, “stands alone among the 50 state judicial systems.”

 3 See Grinnell, 362 F.3d at 1007. Though perhaps somewhat hyperbolic, that statement

 4 remains largely unchallenged, and the Luceros have not done much to discredit it.3

 5 CONCLUSION

 6   {31}   We hold that Northland limited its liability to $1,000,000 for each accident

 7 regardless of the number of insured vehicles involved. Accordingly, we reverse the

 8 Court of Appeals and affirm the district court’s grant of summary judgment in favor

 9 of Northland.

            3
12           The Fifth District Court of Appeals for Illinois has found policies ambiguous
13   despite a similar limit of liability clause. See Kocher, 932 N.E.2d at 1096 (“‘The limit
14   of liability shown on the Declarations Page is the most we will pay regardless of the
15   number of: 1. claims made; 2. covered vehicles; 3. trailers shown on the
16   Declarations Page; 4. insured persons; 5. lawsuits brought; 6. vehicles involved in
17   an accident; or 7. premiums paid.’”). However, the court found the policy ambiguous
18   because the amount in the limit liability in the declarations page was listed more than
19   once. The court specifically distinguished its case with those cases where the amount
20   in the declarations page was listed only once. Id. at 1102. In our case, Northland’s
21   policy only states the limit of liability once.

                                               18
1   {32}   IT IS SO ORDERED.

2                                        ______________________________
3                                        RICHARD C. BOSSON, Justice

4 WE CONCUR:

5 ___________________________________
6 BARBARA J. VIGIL, Chief Justice

7 ___________________________________
8 PETRA JIMENEZ MAES, Justice

 9 ___________________________________
10 EDWARD L. CHÁVEZ, Justice

11 ___________________________________
12 JERRY H. RITTER, Judge
13 Sitting by Designation

                                   19