970 N.E.2d 126 (2008)
385 Ill. App. 3d 1125
361 Ill. Dec. 126
MARYLAND CAS. CO.
Nos. 1-06-1444, 1-06-1445.
MARYLAND CAS. CO.
v.
UNITED NAT. INS. CO.
Nos. 1-06-1444, 1-06-1445.
Appellate Court of Illinois, First District.
November 6, 2008.Reversed & remanded.