867 N.E.2d 128 (2004)
347 Ill. App. 3d 1130
YOUNG
No. 5-03-0255.
YOUNG
v.
ST. PAUL FIRE & MARINE INS. CO.
No. 5-03-0255.
Appellate Court of Illinois, Fifth District.
April 26, 2004.Rev'd in petition.
Appellate Court of Illinois, Fifth District.
April 26, 2004.Rev'd in petition.