970 N.E.2d 138 (2008)
385 Ill. App. 3d 1151
361 Ill. Dec. 138
AMERICAN FAMILY INS. CO.
No. 5-07-0310.
AMERICAN FAMILY INS. CO.
v.
RISINGER.
No. 5-07-0310.
Appellate Court of Illinois, Fifth District.
August 15, 2008.Reversed & remanded with directions.