927 N.E.2d 348 (2006)
365 Ill. App. 3d 1134
ROCKFORD MUT. INS. CO.
No. 5-05-0285.
ROCKFORD MUT. INS. CO.
v.
BEN'S SERVICE STATION.
No. 5-05-0285.
Appellate Court of Illinois, Fifth District.
June 15, 2006.Aff'd in pt., rev'd in pt. & rem.