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Allstate Insurance Company v. Hague

United States Supreme Court
449 U.S. 302 (1981)


Ralph Hague was a Wisconsin resident who worked in Minnesota and commuted daily from Wisconsin. One day, Hague was riding as a passenger on someone else’s motorcycle. Hague was killed when a vehicle struck the motorcycle from behind. The accident occurred in Wisconsin. The two drivers of the motorcycle and the vehicle, both of whom were also Wisconsin residents, did not have valid insurance. However, Hague held an insurance policy issued by Allstate Insurance Company (Allstate) (defendant). Hauge’s insurance policy with Allstate covered three vehicles and included an uninsured-motorist clause limiting the recoverable amount to $15,000 for each vehicle. Thereafter, Hague’s wife (plaintiff) moved from Wisconsin to Minnesota, less than five miles away. Mrs. Hague was appointed personal representative of Hague’s estate. Mrs. Hague filed suit against Allstate in Minnesota state court seeking a declaration under Minnesota law that the three-vehicle maximum of $15,000 in uninsured-motorist coverage could be stacked to provide a total recoverable amount of $45,000. Allstate argued that a Wisconsin law prohibiting stacking applied. Wisconsin was the state where the policy was issued, where the accident occurred, and where all individuals involved in the crash resided. The trial court disagreed and applied Minnesota law. The trial court granted Mrs. Hague’s motion for summary judgment, and Allstate appealed. The Minnesota Supreme Court affirmed. The United States Supreme Court granted certiorari.

Rule of Law


Holding and Reasoning (Brennan, J.)

Concurrence (Stevens, J.)

Dissent (Powell, J.)

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