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The decision reaffirms Illinois law stating that insurance policies and provisions that are unambiguous and do not violate public policy are to be enforced as written. <i>(Credit: ImagineGolf/iStockphoto.com)</i> The decision reaffirms Illinois law stating that insurance policies and provisions that are unambiguous and do not violate public policy are to be enforced as written. (Credit: ImagineGolf/iStockphoto.com)

The Illinois Supreme Court ruled that a policy’s mechanical device exclusion at the center of a lawsuit was not ambiguous, correcting an insurance policy interpretation error by the Illinois Appellate Court, Fifth District.

At issue was the enforceability of a “mechanical device” exclusion in an automobile policy that was issued by State Farm Mutual Automobile Insurance Company. Kent Elmore was injured while unloading grain from a truck owned by his father, Ardith Sheldon Elmore (Sheldon). Elmore helped Sheldon with his grain farm operation in 2013 and was filling an empty grain truck with grain when an accident occurred caused by an auger with no protective shield. In the accident, Elmore lost his right leg below the knee, and surgery was later required to remove the leg just above the knee.

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