885 N.E.2d 581 (2005)
355 Ill. App. 3d 1190
UNITED AUTO. INS. CO.
No. 1-05-0372.
UNITED AUTO. INS. CO.
v.
WILSON.
No. 1-05-0372.
Appellate Court of Illinois, First District.
March 16, 2005.Rev'd & rem.
Appellate Court of Illinois, First District.
March 16, 2005.Rev'd & rem.