881 N.E.2d 977 (2004)
353 Ill.App.3d 1099
STATE FARM MUT. AUTO. INS. CO.
No. 1-03-2818.
STATE FARM MUT. AUTO. INS. CO.
v.
WATKINS
No. 1-03-2818.
Appellate Court of Illinois, First District.
October 2, 2004.Rev'd & rem.
Appellate Court of Illinois, First District.
October 2, 2004.Rev'd & rem.