966 N.E.2d 601 (2008)
381 Ill. App. 3d 1131
359 Ill. Dec. 280
INSURA PROPERTY & CAS. CO.
No. 1-07-0761.
INSURA PROPERTY & CAS. CO.
v.
JOHNSON.
No. 1-07-0761.
Appellate Court of Illinois, First District.
May 12, 2008.Rev'd & rem.
Appellate Court of Illinois, First District.
May 12, 2008.Rev'd & rem.