940 N.E.2d 308 (2007)
372 Ill. App. 3d 1100
346 Ill. Dec. 304
AMERICAN FAMILY MUT. INS. CO.
No. 2-06-0920.
AMERICAN FAMILY MUT. INS. CO.
v.
JOHNSON.
No. 2-06-0920.
Appellate Court of Illinois, Second District.
April 19, 2007.Rev'd & rem.