895 N.E.2d 701 (2005)
357 Ill. App. 3d 1100
KRUG
No. 4-04-1024.
KRUG
v.
COUNTRY MUT. INS. CO.
No. 4-04-1024.
Appellate Court of Illinois, Fourth District.
June 23, 2005.Rev'd & rem. with directions.
Appellate Court of Illinois, Fourth District.
June 23, 2005.Rev'd & rem. with directions.