929 N.E.2d 174 (2006)
367 Ill. App.3d 1105
STATE FARM FIRE & CAS. CO.
No. 2-05-0645.
STATE FARM FIRE & CAS. CO.
v.
AGUINAGA.
No. 2-05-0645.
Appellate Court of Illinois, Second District.
October 24, 2006.Aff'd in pt., rev'd in pt. & rem.