Appellate Court of Illinois March 27, 2009, 1-07-0792, 1-08-0208, 1-08-0415, 1-08-2042, 1-08-2059, 1-08-2283 cons. (Founders Insurance v. Muñoz)

JUSTICE TOOMIN

delivered the opinion of the court:

This consolidated appeal arises from declaratory judgment actions to enforce the provisions of automobile insurance policies which excluded coverage for the named insured and permissive drivers who did not have a reasonable belief they were entitled to use a motor vehicle.