919 N.E.2d 519 (2005)
362 Ill. App.3d 1224
ALLSTATE INS. CO.
No. 1-03-2897.
ALLSTATE INS. CO.
v.
ADAMS.
No. 1-03-2897.
Appellate Court of Illinois, First District.
December 29, 2005.Aff'd in pt., rev'd in pt. & rem.
Appellate Court of Illinois, First District.
December 29, 2005.Aff'd in pt., rev'd in pt. & rem.