State Farm Mutual Automobile Insurance Co. v. Progressive Northern Insurance Co.

Illinois Official Reports

Appellate Court

State Farm Mutual Automobile Insurance Co. v. Progressive Northern Insurance Co.,
2015 IL App (1st) 140447

Appellate Court STATE FARM MUTUAL AUTOMOBILE INSURANCE
Caption COMPANY, Plaintiff-Appellant, v. PROGRESSIVE NORTHERN
INSURANCE COMPANY, Defendant-Appellee (State Farm Fire and
Casualty Company, Plaintiff; Andrew Toig, Randall M. Toig and Teri
E. Zenner, Defendants).

District & No. First District, Fifth Division
Docket No. 1-14-0447

Filed March 27, 2015

Decision Under Appeal from the Circuit Court of Cook County, No. 2011-CH-31467;
Review the Hon. Thomas R. Allen, Judge, presiding.

Judgment Affirmed.

Counsel on Frank C. Stevens, of Taylor Miller LLC, of Chicago, for appellant.
Appeal
Thomas L. Buck, of Magnani & Buck Ltd., of Chicago, for appellee.

Panel JUSTICE GORDON delivered the judgment of the court, with
opinion.
Justices McBride and Reyes concurred in the judgment and opinion.
 OPINION

¶1 On this direct appeal, plaintiff State Farm Mutual Automobile Insurance Company (State
Farm) appeals the trial court’s grant of summary judgment in favor of defendant Progressive
Northern Insurance Company (Progressive).
¶2 Plaintiff State Farm brought a declaratory judgment action seeking a declaration that its
underinsured motorist coverage did not cover Andrew Toig (Andrew) for injuries he sustained
in an automobile accident while a student at Colorado College. Andrew had sought coverage
pursuant to the State Farm auto policies held by his father, Randall Toig, and stepmother, Teri
Zenner (collectively, the Toigs), and pursuant to a single Progressive policy held by Andrew’s
mother, Allison Wines. The principal question before the trial court and now before this court
is whether Andrew is a “relative,” as defined by the State Farm policies.
¶3 For the following reasons, we affirm.

¶4 BACKGROUND
¶5 I. The Policies
¶6 Plaintiff State Farm provided three automobile insurance policies to the Toigs: two to the
father and one to the stepmother. The question is whether these automobile policies provide
underinsured motorist coverage to Andrew. The parties agree that Andrew is covered if he is a
“relative,” as defined by the State Farm auto policies:
“Relative–means a person related to you or your spouse by blood, marriage or adoption
who resides primarily with you. It includes your unmarried and unemancipated child
away at school.” (Emphases in original.)
State Farm does not challenge coverage under any other provision of its policies.
¶7 There is no dispute among the parties: that the term “relative” specifically includes a “child
away at school,” and specifically excludes married and emancipated children, and that Andrew
was at school and was not married or emancipated at the time of the accident.
¶8 State Farm Fire & Casualty Company (State Farm Fire) also provided the Toigs with two
personal liability umbrella policies. However, these umbrella policies did not include
underinsured motorist coverage, and the trial court ruled that these umbrella policies did not
apply. No one has appealed this ruling, so these policies are not at issue on appeal.
¶9 Defendant Progressive provided an automobile insurance policy to Allison Wines,
Andrew’s mother. However, Progressive does not dispute coverage on appeal, so that policy is
also not before us.

¶ 10 II. Undisputed Facts
¶ 11 In the case below, both State Farm and Progressive filed motions for summary judgment,
thereby acknowledging that there were no material issues of fact preventing a grant of
summary judgment. Gaudina v. State Farm Mutual Automobile Insurance Co., 2014 IL App
(1st) 131264, ¶ 16 (where both parties file cross-motions for summary judgment, they concede
the absence of a genuine issue of material fact and invite the court to decide the question as a
matter of law); 735 ILCS 5/2-1005(c) (West 2012) (a party seeking summary judgment must
show “that there is no genuine issue as to any material fact”). Thus, on appeal, neither party

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 argues that there was a material issue of fact which barred the trial court’s entry of summary
judgment. Both parties agree that the question before us on appeal is purely a question of law
and that it involves solely the application of law to undisputed facts.
¶ 12 The trial court summarized the undisputed facts as follows:
“Andrew is related to his father by blood and stepmother by marriage. The
undisputed facts of this case indicate that Andrew was unmarried, unemancipated, and
living in a campus-owned apartment in Colorado at the time of the accident. Andrew
considers both his father’s and mother’s homes to be his residences, and when he
returned to Chicago during vacations and holidays he attempted to split his time
between the households on a ‘50-50’ basis. He came and went from both households as
he pleased; he had keys to both houses and kept possessions at both locations. The facts
show that Andrew used his father’s address for school billing records as well as for his
health care and health insurance.” State Farm Mutual Automobile Insurance Co. v.
Toig, No. 2011 CH 31467, slip op. at 2 (Cir. Ct. Cook Co. Sept. 30, 2013).
¶ 13 Neither party has argued on appeal that the trial court’s above recitation of facts was
incorrect.

¶ 14 III. Procedural History
¶ 15 One issue on appeal is whether forfeiture applies to several claims now raised by appellant
State Farm. We therefore describe in detail the procedural history.
¶ 16 On September 7, 2011, plaintiffs State Farm and State Farm Fire filed a declaratory
judgment action in the trial court. The complaint stated, upon information and belief, that
defendant Progressive “has or will claim” that the Toigs’ State Farm and State Farm Fire
policies provide underinsured motor vehicle coverage on a pro rata basis with the coverage
provided by Progressive.
¶ 17 Count I, which was brought solely by State Farm, alleged that the auto policies did not
provide coverage to Andrew for the sole reason that “he did not reside primarily with” the
Toigs.
¶ 18 Count II, which was brought solely by State Farm Fire, alleged that its personal liability
umbrella policy did not provide coverage to Andrew because the policy “did not include motor
vehicle coverage.” As already stated above, this count is not at issue on this appeal.
¶ 19 On November 14, 2011, Progressive filed an answer and also a counterclaim for a
declaratory judgment that the three State Farm auto policies1 and the one Progressive policy
shared coverage for the accident “on an equal basis” or “25 percent each.” In its counterclaim,
Progressive also alleged that the total amount of coverage allowed Andrew from all policies
was $500,000 because that was the highest amount of any one policy, and that the $40,000 paid
by the tortfeasor’s insurance must be subtracted from the $500,000, leaving Andrew with a
maximum of $460,000 that he could collect from both State Farm and Progressive.
¶ 20 On January 13, 2012, State Farm filed an answer to Progressive’s counterclaim. In its
answer, it “[a]dmit[ted]” Progressive’s allegations that the State Farm auto policies define the
word “relative” to mean a person related to the named insured or the named insured’s spouse
by blood, marriage or adoption who resides primarily with the named insured, and that the

1
State Farm issued two auto policies to the father and one to the stepmother.

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 “policies also define ‘relative’ to include the named insured’s unmarried and unemancipated
child away at school.”
¶ 21 On September 20, 2012, State Farm and State Farm Fire filed an amended complaint,
which added allegations relating only to State Farm Fire. The amended complaint added count
III, which concerned a personal liability umbrella policy issued by State Farm Fire to
Andrew’s stepmother. The complaint also amended count II to add an allegation that
Progressive “has or will claim” that the father’s personal umbrella liability policy provides
underinsured motorist coverage on a pro rata basis.
¶ 22 On November 21, 2012, State Farm and State Farm Fire filed a joint motion for summary
judgment. The first claim was that State Farm Fire’s personal umbrella liability policies do not
provide underinsured motorist coverage. As stated before, this claim is not at issue on appeal.
¶ 23 The motion’s next three claims concerned State Farm and claimed: (1) that the two
separate lines of the policy’s definition of “relative” must both apply for someone to be a
relative and that Andrew did not satisfy the first line, which required him to reside “primarily”
with the Toigs, since he divided his residence equally between the Toigs and his mother; (2)
that Andrew did not reside “primarily” with his parents in Chicago, because he registered to
vote in Colorado; and (3) that, even if the State Farm auto policies covered Andrew, the
maximum amount of coverage available to him is $500,000, because its policies provide that
the total available under all policies shall be the highest amount allowed by any one policy.2
¶ 24 In its motion, State Farm did not argue: (1) that Andrew failed to satisfy the second line of
the “relative” definition; (2) that, if coverage applied, the three State Farm auto policies and the
one Progressive policy should not share coverage for the accident on an equal basis or 25%
each, as Progressive had argued in its counterclaim; (3) that Andrew was excluded from
coverage from his stepmother’s policy because he was a child by marriage rather than a
biological child; or (4) that the $40,000 recovered from the tortfeasor’s insurer should be
subtracted from the limits of each of the applicable policies rather than from the total.
¶ 25 On December 21, 2012, Progressive filed its response to State Farm’s motion and also its
own cross-motion for summary judgment. Progressive’s arguments were all directed to State
Farm’s auto insurance policies.
¶ 26 In its cross-motion, Progressive agreed with State Farm that the total amount of coverage
allowed Andrew was $500,000 because that was the highest amount of any one policy, but it
further argued that the $40,000 paid by the tortfeasor’s insurance must be subtracted from the
$500,000, leaving Andrew with a maximum of $460,000 that he could collect from both State
Farm and Progressive.
¶ 27 In its cross-motion, Progressive argued, as it had in its counterclaim, that the three State
Farm auto policies and the one Progressive policy provided coverage on an equal basis, or
25%, with each policy providing coverage limited to $115,000, or 25% of $460,000.
¶ 28 On February 22, 2013, the trial court struck the previously scheduled hearing date of
February 28, 2013, and permitted State Farm to file a “Response/Reply to Progressive’s
Response and Cross Motion.” In its reply to this document, Progressive observed that, while
State Farm acknowledged in its response that the combined limit was $500,000, State Farm’s
reply does not mention the setoff for the $40,000 already paid by the tortfeasor’s insurance,
2
Progressive agreed with this point but added that the amount of $40,000 paid by the tortfeasor
should be subtracted from it, thereby bringing the total available coverage down to $460,000.

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 which reduced the combined limit to $460,000. Progressive stated: “No party has contested
this position by motion, response or reply.”
¶ 29 On May 8, 2013, the trial court set the hearing on State Farm’s and Progressive’s summary
judgment motions for July 31, 2013.
¶ 30 On July 31, 2013, at the hearing, the trial court observed that it had “dueling cross motions
for summary judgment” before it. The State Farm attorney asked the court if the court wanted
to ask questions or if it preferred the attorneys to proceed with their prepared arguments, and
the court indicated the latter. The State Farm attorney stated first, on behalf of State Farm Fire,
“it is not contested in any of the briefs, that those [personal liability umbrella] policies do not
provide underinsured motorist coverage.”
¶ 31 Then, on behalf of State Farm, the attorney argued that the question was “whether or not
Andrew Toig resided primarily with Randall Toig and Teri Zenner [Andrew’s father and
stepmother] on the date of the accident because the policy definition of ‘relative’ means a
relative must reside primarily with the named insured.”
¶ 32 State Farm also argued that “the most that Andrew Toig could ever recover under all
applicable underinsured motorist coverage would be $500,000,” which is also the amount of
the Progressive policy. As a result, “the real dispute” was not between the Toigs and State
Farm, but between State Farm and Progressive. State Farm observed: “This has really become
a dispute as to whether State Farm should be sharing pro rata with Progressive on any payment
made to Andrew Toig for his underinsured claim.” State Farm’s “response to that is State Farm
doesn’t provide coverage.”
¶ 33 Progressive argued next and observed that “[t]here are four legal issues that have been
presented to the Court” and “only one of those legal issues is contested,” and that is “whether
or not Andrew Toig qualifies as an insured relative under his father’s and his stepmother’s
policy.”
¶ 34 With respect to the contested issue, Progressive argued that State Farm had discussed only
the first sentence of the “relative” definition. “But then there’s a period, and there’s a separate
sentence,” which defines the term “relative” to include the named insured’s unmarried and
unemancipated child away at school. “The reason” for that sentence is “that if you didn’t allow
for there to be coverage for a child away at school, you’d never have underinsured *** motorist
coverage for that relative because when they’re away at school, they can’t be said to be
primarily residing with” their parents.
¶ 35 Progressive concluded by briefly noting the three uncontested issues: (1) that the limit for
total coverage is $500,000; (2) that this amount is set off by $40,000, which is the amount paid
by the tortfeasor’s insurance, thereby bringing the limit for total coverage down to $460,000;
(3) and that each of the four policies is responsible for 25% of that $460,000, or $115,000. In
its rebuttal argument, State Farm agreed with the first point, stating that if the State Farm
polices apply, “the policies don’t stack,” and did not respond to the other two points.
¶ 36 The parties agreed to order the transcript, and the court stated that it took the matter under
advisement in order to give this issue its “best shot.” The court then set a status date for
September 30, 2013.

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¶ 37 IV. The Trial Court’s Orders
¶ 38 On September 30, 2013, in a three-page memorandum order, the trial court granted
summary judgment in favor of Progressive.
¶ 39 The personal liability umbrella policies issued by State Farm Fire were addressed by the
trial court in a footnote on the first page: “As a preliminary matter, this Court finds it
unnecessary to decide whether or not Andrew Toig would be covered under State Farm’s
‘umbrella’ policies, as this decision is predicated on other grounds.” As stated above, these
policies are not an issue on appeal, and State Farm Fire is not an appellant.
¶ 40 The trial court stated the issue before it as: “whether Defendant Andrew Toig is an
‘insured’ as defined under the State Farm policies.” The court held that it did not have to decide
whether Andrew “primarily resides” in his father’s home as provided by the first sentence of
the “relative” definition, because “the second sentence must be read in the disjunctive” and the
second sentence provided coverage for an “unmarried and unemancipated child away at
school.” The court ruled: “If this sentence were not in the disjunctive, then those children
would never be insured under their parents’ policies, because the children would ‘primarily’
reside at school, not at home.”
¶ 41 The trial court further held that “Andrew is eligible to receive a total of $460,000 from the
four policies,” namely, the one Progressive policy and the three State Farm auto policies, and
that “the policies must share coverage on an equal basis” with each policy responsible for
$115,000 in coverage.
¶ 42 On October 24, 2013, State Farm filed a motion for rehearing. The motion stated that it was
made only by State Farm, not by State Farm Fire. State Farm argued for the first time: (1) that
Andrew was not his stepmother’s “child” under her insurance policy; (2) that the $40,000
received from the tortfeasor’s insurer should be subtracted from each policy, when considering
the applicable exposure for each policy; and (3) that the coverage should be prorated by each
policy’s limits, meaning that, if the stepmother’s policy did not apply, then the coverage from
the one Progressive policy was $204,454.61 and the coverage from the two State Farm auto
policies issued to the father was only $109,772 each, for a total coverage of $460,000.
¶ 43 State Farm’s motion for rehearing claimed that “[t]he briefing up to this time has
concerned only the question of whether State Farm provides any underinsured motorist
coverage at all, and not how the underinsured liability should be allocated among the
applicable policies.” Actually, Progressive raised the issue in its counterclaim, in its
cross-motion for summary judgment, in its reply brief and at the hearing on summary
judgment; and State Farm did not respond, either in its briefs or at the hearing.
¶ 44 In its reply, Progressive observed that: “In its motion, State Farm argues for the first time:
(1) Andrew Toig is not covered by [stepmother] Teri Zenner’s policy because he is her
stepchild; and (2) the remaining three policies should share coverage on a pro-rata basis ***
with the limits of each policy reduced by the amount of liability payments.” Progressive argued
that State Farm waived these issues by failing to raise them, since the purpose of a motion to
reconsider is only to bring to the court’s attention: (1) newly discovered evidence; (2) changes
in the law; or (3) claimed errors in the application of existing law.
¶ 45 On February 5, 2014, the trial court heard argument on State Farm’s motion for rehearing.
State Farm argued that, since the trial court’s September 30, 2013, order did not rule on State

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 Farm Fire’s umbrella policies and did not contain Supreme Court Rule 304(a)3 language, the
order was not a final appealable judgment and could be changed at any time. The court
inquired, “So you’re just bringing that argument up so that you can revisit this, right?” and
State Farm responded: “Yes.”
¶ 46 Progressive observed: “Now, I think part of the problem may be the fact that on the copy of
the order we got, on the first page, there’s a footnote where I believe the Court was entering its
ruling with respect to the umbrella policies and our copy was cut off on that footnote.” The
court confirmed: “There was something cut off, but–anyhow, somehow by the computer. But
let’s put the umbrella policies to bed anyhow.” The court acknowledged: “I saw that it was cut
off. I did see that. I apologize. The age of computers, right.” The copy of the September 30,
2013, order in the appellate record contains a sentence of footnote 1, but it does not indicate
what was cut off.
¶ 47 With respect to waiver, the trial court held that this argument was “a Mulligan,” but it
would not base its “decision on waiver”:
“THE COURT: I get motions to consider all the time. It’s automatic almost. So on
the waiver issues, I err on the side of caution. I mean, I’m always–I shouldn’t use the
word happy to reread everything, but–which I did again and again today. I’m not going
to suggest that that’s the best way to do it. But in reality, this is a Mulligan. *** [B]ut
I’m not going to, you know, make a decision based on waiver. I’m not going to do
that.”
¶ 48 The trial court ruled that the State Farm auto policy did not exclude stepchildren. When
State Farm argued, “[s]tepchild and child are not the same thing,” the court stated: “You’d
better not tell any parents or stepparents that.” When State Farm responded, “there’s a reason
why we have two different words,” the court stated: “Why don’t they exclude stepchild in their
policy? Why don’t they say, caution, this does not include stepchild? You know that’s not in
the policy.” The court concluded that “the policy is written by State Farm,” and “State Farm
should pay the price for having an ambiguous policy.”
¶ 49 As for the proration issue, the trial court declined to alter its prior ruling on this issue,
holding: “I’m sticking to my guns. The 500,000, take off the 40, that leaves you with 460, and
everybody shares equally 115.”
¶ 50 The trial court also stated that, “just for clarity,” it would issue “a finding that those
policies, those umbrella policies, don’t apply.” The court reiterated “that was a little miscue on
our part, but I didn’t catch it.”
¶ 51 The trial court’s handwritten order on February 5, 2014, stated in full:
“This cause coming to be heard on motion of State Farm for rehearing, due notice
given and the court being fully advised in the premises:
It is hereby ordered that State Farm’s motion for rehearing is denied. It is further
ordered that State Farm is granted summary judgment with respect to the umbrella
policies, the court declaring that State Farm [Fire’s] umbrella policies do not provide
underinsured motorist coverage for the occurrence of March 13, 2008.”

3
Illinois Supreme Court Rule 304(a) (eff. Feb. 26, 2010) requires a trial court to make a special
finding in order to allow an appeal from a judgment that concerns fewer than all parties or claims.

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¶ 52 On February 11, 2014, State Farm filed a notice of appeal stating that it appealed “from the
order and judgment entered on September 30, 2013 and the order entered on February 5, 2014,
granting summary judgment in favor of defendants-appellees.” As quoted above, the
February 5 order granted summary judgment in favor of plaintiff State Farm Fire, not in favor
of defendants.

¶ 53 ANALYSIS
¶ 54 On this direct appeal, State Farm claims that the trial court erred in granting summary
judgment in favor of Progressive, because the State Farm auto policies issued to Andrew
Toig’s father and stepmother did not cover Andrew.
¶ 55 State Farm argues that its polices did not cover Andrew: (1) because he was not a child
“away at school,” as its policies provide, when he did not intend to return to his parents’ home
after graduation; (2) because its provisions for a child “who resides primarily with you” and a
child “away at school” must be applied together, and Andrew did not reside primarily with the
Toigs, since his parents were divorced and he also stayed with his mom when in Chicago; and
(3) because Andrew did not qualify as “your” child under his stepmother’s policy, where the
policy defined the word “relative” to include “a person related to you or your spouse by blood,
marriage or adoption.”
¶ 56 State Farm also claims that, if Andrew is covered, then the trial court also erred: (1) in its
calculation of the proration with the Progressive policy; and (2) by not subtracting the $40,000
recovered from the tortfeasor’s insurer from each State Farm auto policy.
¶ 57 Progressive asks us to affirm the trial court’s judgment and also argues that State Farm
forfeited the following legal theories by waiting to raise them until State Farm’s motion for a
rehearing: (1) that Andrew was excluded as a stepchild from being “your” child in his
stepmother’s policy; (2) that the State Farm auto and Progressive polices should share
coverage on a pro rata basis by comparing the liability amount of each policy to the total of all
limits; and (3) that State Farm is entitled to a setoff of $40,000 paid by the liability insurers for
each policy.
¶ 58 For the following reasons, we do not find State Farm’s claims persuasive, and we affirm
the trial court’s grant of summary judgment in favor of Progressive.

¶ 59 I. Declaratory Judgment
¶ 60 This action was brought as a declaratory judgment action pursuant to section 2-701 of the
Code of Civil Procedure (735 ILCS 5/2-701 (West 2012)). This section permits a court in
“cases of actual controversy” to “make binding declarations of rights *** including the
determination, at the instance of anyone interested in the controversy, of the construction of
any *** contract *** and a declaration of the rights of the parties interested.” 735 ILCS
5/2-701(a) (West 2012). The “[d]eclarations of rights, as herein provided for, may be obtained
by means of a pleading seeking that relief alone, or as incident to or part of a complaint,
counterclaim or other pleading seeking other relief as well.” 735 ILCS 5/2-701(b) (West
2012). In the case at bar, plaintiffs sought solely a declaratory judgment, and the trial court
issued a declaratory judgment, albeit not the one they were seeking.
¶ 61 Although this section specifically permits jury trials if there are issues of fact (735 ILCS
5/2-701(d) (West 2012)), the judgment here was issued without trial and upon motions for

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 summary judgment.

¶ 62 II. Standard of Review
¶ 63 In appeals from summary judgment rulings, we conduct a de novo review. Outboard
Marine Corp. v. Liberty Mutual Insurance Co., 154 Ill. 2d 90, 102 (1992). Summary judgment
is appropriate where there are no genuine issues of material fact and the moving party is
entitled to judgment as a matter of law. 735 ILCS 5/2-1005(c) (West 2012); Outboard Marine,
154 Ill. 2d at 102. Here, all parties agree there are no issues of material fact. In considering a
motion for summary judgment, a court will review the pleadings, depositions, affidavits and
admissions on file (735 ILCS 5/2-1005(c) (West 2012)), and will construe the facts in these
documents against the moving party. Outboard Marine, 154 Ill. 2d at 131-32.
¶ 64 The construction of an insurance policy’s provisions is also a question of law, which we
also review de novo. Outboard Marine, 154 Ill. 2d at 108. To ascertain the meaning of the
policy’s words and the intent of the parties, the court must construe the policy as a whole.
Outboard Marine, 154 Ill. 2d at 108. If the words in the policy are unambiguous, a court must
afford them their plain and ordinary meaning. Outboard Marine, 154 Ill. 2d at 108. However,
if the words in the policy are susceptible to more than one reasonable interpretation, they are
ambiguous and will be construed in favor of the insured and against the insurer that drafted the
policy. Outboard Marine, 154 Ill. 2d at 108-09.

¶ 65 III. Denial of Rehearing
¶ 66 In its notice of appeal, defendant State Farm indicated that it appealed not only the trial
court’s denial on September 30, 2013, of its summary judgment motion, but also the trial
court’s denial on February 5, 2014, of its motion for rehearing.
¶ 67 As we discussed above in the Background section, State Farm argued in its motion for
rehearing: (1) that Andrew was not his stepmother’s “child” under her insurance policy; (2)
that the $40,000 received from the tortfeasor’s insurer should be subtracted from each policy,
when considering the applicable exposure for each policy; and (3) that coverage should be
prorated by each policy limit, meaning that if the stepmother’s policy did not apply, then the
coverage from the one Progressive policy was $204,454.61 and the coverage from the two
State Farm auto policies issued to the father would be only $109,772 each, for total coverage of
$460,000. On appeal, Progressive argued forfeiture of these issues, and in its appellate reply
brief, State Farm did not deny that it failed to raise these claims in its summary judgment
motion and that it raised these claims for the first time in its motion for a rehearing.
¶ 68 The purpose of a motion to reconsider is to bring to a court’s attention: (1) newly
discovered evidence; (2) changes in the law; or (3) errors in the court’s previous application of
existing law. River Plaza Homeowner’s Ass’n v. Healey, 389 Ill. App. 3d 268, 280 (2009);
North River Insurance Co. v. Grinnell Mutual Reinsurance Co., 369 Ill. App. 3d 563, 572
(2006); Chelkova v. Southland Corp., 331 Ill. App. 3d 716, 729 (2002). A reconsideration
motion is not the place to raise a new legal theory or factual argument. River Plaza, 389 Ill.
App. 3d at 280; North River, 369 Ill. App. 3d at 572. “ ‘Trial courts should not allow litigants to
stand mute, lose a motion, and then frantically gather’ ” new evidence or legal theories to show
the court that it erred in its ruling. (Internal quotation marks omitted.) North River, 369 Ill.
App. 3d at 572 (quoting Landeros v. Equity Property & Development, 321 Ill. App. 3d 57, 65

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 (2001)). As a result, legal theories and factual arguments not previously made are considered
waived. River Plaza, 389 Ill. App. 3d at 280; North River, 369 Ill. App. 3d at 572-73.
¶ 69 The decision to grant or deny a motion for reconsideration lies within the sound discretion
of the trial court, and it will not be reversed on appeal absent an abuse of discretion. North
River, 369 Ill. App. 3d at 572. An abuse of discretion occurs when the trial court’s ruling is
arbitrary, fanciful, unreasonable or where no reasonable person would take the view adopted
by the trial court. Bank of America, N.A. v. Adeyiga, 2014 IL App (1st) 131252, ¶ 116.
¶ 70 In its appellate briefs, State Farm does not argue that the trial court abused its discretion in
denying State Farm’s motion for a rehearing, nor could it, in light of the fact that State Farm’s
rehearing motion was based on new legal claims that it raised for the first time in the motion.
¶ 71 Progressive had been raising the pro rata issue and the $40,000 issue consistently since the
beginning of the lawsuit, and Progressive’s arguments were met with silence by State Farm.
First, on November 14, 2011, Progressive filed a counterclaim seeking a declaratory judgment
that the three State Farm auto policies and the one Progressive policy shared coverage “on an
equal basis” or “25 percent each.” The counterclaim also alleged that the $40,000 paid by the
tortfeasor should be subtracted only from the total coverage provided from all the policies.
¶ 72 Second, in its November 21, 2012, motion for summary judgment, State Farm did argue
“even assuming arguendo [the] three State Farm *** automobile insurance policies provide
underinsured motorist coverage to Andrew *** the maximum amount of coverage available to
him is $500,000.” Thus, both State Farm and Progressive were asking the trial court to
consider the amount at issue if the three State Farm policies were found applicable. However,
State Farm chose not to also address in the alternative, if the three State Farm auto policies
applied, how that coverage should be allocated or whether the $40,000 should be subtracted
from each policy. State Farm chose to ignore both these issues, although they were specifically
raised by Progressive in its counterclaim.
¶ 73 State Farm’s summary judgment motion also chose not to argue for a lack of coverage
under the stepmother’s policy on the ground that Andrew was a stepchild.
¶ 74 Third, Progressive argued in its cross-motion for summary judgment, as it had in its
counterclaim, both for a pro rata or 25% per policy allocation and for a subtraction of the
$40,000 only from the total coverage. State Farm did not respond.
¶ 75 Fourth, at the hearing on the dueling motions for summary judgment, Progressive observed
that “[t]here are four legal issues that have been presented to the Court” and “only one of those
legal issues is contested.” The one contested issue was whether Andrew was a “relative.”
Progressive listed the three uncontested issues as follows: (1) that the maximum total coverage
was $500,000; (2) that the $40,000 paid by the tortfeasor reduced this amount to $460,000; and
(3) that each of the four policies was responsible for an equal amount or 25%. State Farm
agreed with the first point but failed to make any response to the other two points.
¶ 76 Thus, State Farm failed to raise the stepchild argument at any time prior to the motion for
rehearing, and it consistently failed to respond to Progressive’s arguments about equal sharing
and the $40,000, even though State Farm had plenty of opportunities to do so.
¶ 77 On appeal, State Farm argues that the “trial court did not find” that State Farm waived its
arguments and that we cannot overturn this lack of a finding absent an abuse of discretion.
State Farm does not argue that the trial court found that State Farm did not waive its arguments;
rather, it argues that “the trial court did not find.”

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¶ 78 At the motion for rehearing, the trial court acknowledged State Farm’s waiver of these
issue, but stated that it would not “base[ ]” its decision to deny a rehearing on waiver.
¶ 79 In essence, State Farm is trying to have its newly raised claims reviewed under the lenient
de novo standard used for summary judgment motions rather than the abuse-of-discretion
standard applied to motions for rehearing. We will not allow this attempt to evade the proper
standard of review.
¶ 80 The trial court denied State Farm’s motion for rehearing. State Farm does not even attempt
to argue that this was an abuse of discretion, nor can we find any. Thus, the trial court did not
abuse its discretion in denying State Farm’s motion for rehearing based on State Farm’s newly
advanced legal claims.

¶ 81 IV. First Line of the “Relative” Definition
¶ 82 State Farm’s first claim in its summary judgment motion, which it repeats on appeal, is: (1)
that a person must satisfy both lines of the “relative” definition to qualify as a “relative”; and
(2) that Andrew did not qualify under the first line, which required him to reside “primarily”
with the Toigs, because he divided his time in Chicago equally between the Toigs and his
mother. Since we do not find the first argument persuasive, we do not reach the second. Crump
v. State Farm Mutual Automobile Insurance Co., 961 F.2d 725, 727 (8th Cir. 1992) (since the
child “was covered as a ‘relative’ under the second sentence of the definition,” it was
“unnecessary” to consider whether he qualified under the first line).
¶ 83 State Farm’s argument asks us to interpret the meaning of its policy. As we already
observed, the construction of an insurance policy’s provisions is a question of law, which we
review de novo. Outboard Marine, 154 Ill. 2d at 108. If the words in the policy are susceptible
to more than one reasonable interpretation, they are ambiguous and will be construed in favor
of the insured and against the insurer who drafted the policy. Outboard Marine, 154 Ill. 2d at
108-09.
¶ 84 As stated, the State Farm auto policies define the term “relative” with the following two
lines:
“Relative–means a person related to you or your spouse by blood, marriage or adoption
who resides primarily with you. It includes your unmarried and unemancipated child
away at school.” (Emphases in original.)
¶ 85 State Farm chose to use the vague pronoun “it” in the second sentence, instead of a
particularized noun. If the pronoun “it” refers back to the word “person,” then the two lines are
connected, with the second line expounding on the meaning of the word “person” in the first
line. However, if the word “it” refers back to the word “relative,” then each line is
independently defining the term “relative.”
¶ 86 A pronoun must agree with its antecedent in person, gender and number. See St. Cloud
State University, Minnesota, Literacy Education Online, Pronoun-Antecedent Agreement,
http://leo.stcloudstate.edu/grammar/pronante.html (last visited Mar. 17, 2015). A person can
never be an “it.” A person may be a “he” or a “she” but not an “it.” See Richard Turner, The
Grammar Curmudgeon, English 101 Help, Pronoun-Antecedent Agreement: Basics: Basic
Rule, http://www.grammarmudge.cityslide.com/articles/article/2569239/35950.html (last
visited Mar. 17, 2015) (“If the antecedent is a person who could be of either gender (e.g.,
teacher, doctor, student), we are obligated to use ‘he or she,’ ‘him or her,’ ‘his or her,’ as

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 appropriate.”). However, a term which is being defined is an “it.” A term in a contract is
neither a “he” nor “she” but an “it.” Thus, the only possible antecedent for “it” is the term being
defined, which is “relative.” At oral argument, State Farm agreed that “ ‘it’ is a relative.”
¶ 87 State Farm also conceded as much in its answer. Progressive set forth two independent
definitions of the term “relative” in its counterclaim:
“6. The State Farm policies define ‘relative’ to mean a person related to the named
insured or the named insured’s spouse by blood, marriage or adoption who resides
primarily with the named insured. [Citation.]
7. The State Farm policies also define ‘relative’ to include the named insured’s
unmarried and unemancipated child away at school.” (Emphasis added.)
State Farm deemed both of these paragraphs “Admit[ted]” in its answer, thereby conceding the
two definitions of “relative” in its policies.
¶ 88 In essence, State Farm is trying to interpret the first line to create an exception or an
exclusion to the second. State Farm asks us to read the second line as stating that the term
“relative” “includes your unmarried and unemancipated child away at school,” but only if he or
she “resides primarily with you.”
¶ 89 As Progressive argued before the trial court and now before us, this interpretation could
never be satisfied. If a child is “away at school,” then he or she is not “resid[ing] primarily with
you.” Progressive argued that the only possible purpose of the second line was to cover a
“child away at school, “ who was then not “resid[ing] primarily with” the policy holder.
¶ 90 If the meaning of “resides primarily with you” (emphasis in original) was commonly
understood to include children “away at school,” then there would be no need for the second
line, and it would be superfluous. See Founders Insurance Co. v. Munoz, 237 Ill. 2d 424, 436
(2010) (“Where a term in an insurance policy is not defined, we afford that term its plain,
ordinary and popular meaning ***.”); see also Founders, 237 Ill. 2d at 433 (“When construing
the language of an insurance policy, we must assume that every provision was intended to
serve a purpose.”).
¶ 91 The trial court agreed with this argument, and so do we. Accord Bauer v. USAA Casualty
Insurance Co., 2006 WI App 152, ¶ 9, 295 Wis. 2d 481, 720 N.W.2d 187 (“Were it not for this
sentence, unmarried and unemancipated children away from home at school would not be
insured under their parents’ UIM coverage because they would be primarily residing in a
college dormitory or apartment and not at home.”); Crump, 961 F.2d at 727 (“The first
sentence of the policy definition of ‘relative’ refers to family members living at home. The
second sentence provides a contrast: ‘relative’ also includes children in school away from
home.” (Emphasis added.)).
¶ 92 Even if we did not agree with the trial court, we would have to find State Farm’s choice to
use the word “it” ambiguous, and ambiguities are construed against the drafter. Outboard
Marine, 154 Ill. 2d at 122 (when the policy is ambiguous, it is construed against the drafter
because, “[a]fter all, the insurer chose the words used in the policy”). Any ambiguous
provision is construed “strictly” against the drafter of the policy and in favor of coverage.
Outboard Marine, 154 Ill. 2d at 119. “This is so because there is little or no bargaining
involved in the insurance contracting process [citation], the insurer has control in the drafting
process, and the policy’s overall purpose is to provide coverage to the insured [citation].”

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 Outboard Marine, 154 Ill. 2d at 119. Our supreme court explained the reasoning behind this
rule of construction, as follows:
“The insurance industry is powerful and closely knit. *** [M]ost policies are
standard-form, are worded very similarly [citation], and are offered on a
take-it-or-leave-it basis [citation]. Any insured, whether large and sophisticated or not,
must enter into a contract with the insurer which is written according to the insurer’s
pleasure by the insurer. [Citations.] Generally, since little or no negotiation occurs in
this process, the insurer has total control of the terms and the drafting of the contract.
[Citations.] This rule of construction recognizes *** these facets of the insurance
contracting process. [Citations.] *** After all, the insurer chose the words used in the
policy. [Citation.]” Outboard Marine, 154 Ill. 2d at 121-22.
¶ 93 State Farm argues that its interpretation is reasonable. “However, if the words in the policy
are susceptible to more than one reasonable interpretation, they are ambiguous [citation] and
will be construed in favor of the insured and against the insurer who drafted the policy
[citations].” Outboard Marine, 154 Ill. 2d at 108-09. See also State Farm Mutual Automobile
Insurance Co. v. Differding, 46 Ill. App. 3d 15, 19 (1977) (“Insurers write the policies and if
the language of the contract has a dual interpretation they must be charged with the
ambiguity.”).
¶ 94 State Farm argues that its definition is not ambiguous, although the majority of courts cited
by the parties disagree with State Farm’s interpretation that compliance with both lines of the
definition is required. Drake v. Snider, 608 S.E.2d 191, 196 (W. Va. 2004) (per curiam)
(although the child did not qualify under the first line of State Farm’s “relative” definition
since she resided primarily with the other parent, coverage applied because she was away at
school); Dwelle v. State Farm Mutual Automobile Insurance Co., 839 So. 2d 897, 900 (Fla.
Dist. Ct. App. 2003) (under an “alternative second theory,” even if the child was not a resident
of his parents’ home, he was covered as a child away at school); Crump, 961 F.2d at 727 (since
the child “was covered as a ‘relative’ under the second sentence of the definition,” it was
unnecessary to consider whether the first line also applied); State Farm Mutual Automobile
Insurance Co. v. Taussig, 227 Ill. App. 3d 913, 917 (1992) (appellate court analyzed the two
lines as independent and “alternate” sources of coverage).
¶ 95 In support of its claim that its two-line definition of “relative” is not ambiguous and that
both lines must apply, State Farm relies primarily on the Alabama case of State Farm Mutual
Automobile Insurance Co. v. Brown, 26 So. 3d 1167 (Ala. 2009), a short per curiam order. As
we explain below, Brown does not support State Farm’s argument.
¶ 96 State Farm’s definition of “relative” in Brown is similar but not identical to the definition
here. The “relative” definition in Brown stated: “ ‘Relative–means a person related to you or
your spouse by blood, marriage or adoption who lives primarily with you. It includes your
unmarried and unemancipated child away at school.’ ” (Emphases in original.)4 Brown, 26 So.
3d at 1169. The definition in Brown used the term “lives” rather than the term “resides.”
¶ 97 Although the definitions are similar, the issue in Brown was different from the issue here.
In Brown, the question was whether a child, who lived at home with her mother and attended a
local high school, was “away” at school. Brown, 26 So. 3d at 1168. The certified question

4
The italics were added by the Brown court. We do not mean to suggest that the italics were in the
policy itself.

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 asked the supreme court to assume that the first sentence of State Farm’s definition did not
apply, so that coverage existed only if the child was considered “away.” Brown, 26 So. 3d at
1169 n.1 (it was only “the second sentence [of the ‘relative’ definition] that is at issue here”).
For purposes of that appeal, the court was asked to assume that the child “lives primarily” with
her mother and did not live with her father, who was the policy holder. Brown, 26 So. 3d at
1170. The short per curiam order does not state whether the father also lived locally, but it does
state that the child attended the “local high school” and the issue was the application of his
insurance policy. Brown, 26 So. 3d at 1168.
¶ 98 The Alabama court held that the child could not be considered “away” if she was living at
home and that, since the parties conceded that the first sentence did not apply, she could not
qualify for coverage. Brown, 26 So. 3d at 1170. In Brown, State Farm argued that the two lines
had to be read “conjunctively,” in that the court had to determine first where the child’s
primary residence was, before it could determine whether she was “away” from it. Brown, 26
So. 3d at 1170. In contrast, the family argued that the two lines should be read “disjunctively,”
in that, as long as she was “away” from her father’s house and in school, she was “away” at
school. Brown, 26 So. 3d at 1170. The Alabama court agreed with State Farm that the word
“away” had to be interpreted in conjunction or in light of the first sentence. Brown, 26 So. 3d at
1170. Interpreting the second line in conjunction with the first line in Brown, the Alabama
court reasoned that “away” had to mean that she was “away” from home. Brown, 26 So. 3d at
1170.5
¶ 99 In this appeal, State Farm focuses on the Brown court’s use of the word “conjunctively” to
argue that the Brown opinion stands for the proposition that both lines of the definition must
apply for there to be coverage. But the opinion stands for just the opposite. If both lines had to
apply for there to be coverage, then there would have been no need for the opinion at all, since
the opinion started with the proposition that the first line did not apply. To the extent that
Brown has persuasive value, it supports Progressive’s position not State Farm’s.
¶ 100 State Farm also cites in support Wallace v. State Farm Mutual Automobile Insurance Co.,
No. F-07-012, 2007 WL 4216132, at *4 (Ohio Ct. App. Nov. 30, 2007),6 and argues: “Had the
Ohio Court of Appeals in Wallace believed the two sentence definition of relative must be read
in the disjunctive, as Progressive argues, the court wasted its time and analysis in determining
that the State Farm policy ‘clearly and unambiguously established a mandatory requisite of
proving residency to enable UIM coverage.’ ” However, in Wallace, no argument was made
that the teenaged child was away at school. As a result, the second line and the relationship
between the two lines was not an issue and was not discussed.
¶ 101 As a housekeeping matter, we observe that both parties discuss at length a 2008
memorandum opinion from a Mississippi federal district court, but it is not reported, and we

5
Another state supreme court disagreed with the Brown court’s conclusion and held that when the
child “left her father’s home to attend a high school near her mother’s home and to live with her
mother,” she was “ ‘away at school’ ” for the purpose of her father’s policy. Drake v. Snider, 608
S.E.2d 191, 196 (W. Va. 2004) (per curiam); see also Crump, 961 F.2d at 727 (a child was still “away at
school” although attending a local college). However, this issue is not before us.
6
Rule 3.4 of the Ohio Supreme Court Rules for the Reporting of Decisions (eff. July 1, 2012)
permits all opinions of Ohio courts of appeals issued after May 1, 2002, such as Wallace, to be cited as
legal authority and weighted as deemed appropriate by the courts without regard to whether the opinion
was published or in what form.

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 will not cite an unreported case. Skokie Castings, Inc. v. Illinois Insurance Guaranty Fund,
2012 IL App (1st) 111533, ¶ 15 (“an unreported case” is “not binding on any court”); People v.
Moore, 243 Ill. App. 3d 583, 584 (1993) (“the decision was unreported and of no precedential
value”). “Unreported decisions have no precedential value, and this is even more true for
decisions from foreign jurisdictions.” American Family Mutual Insurance Co. v. Plunkett,
2014 IL App (1st) 131631, ¶ 38; Burnette v. Stroger, 389 Ill. App. 3d 321, 329 (2009); West
American Insurance Co. v. J.R. Construction Co., 334 Ill. App. 3d 75, 82 (2002) (a “foreign,
unreported decision” is “of no precedential value”). Specifically, with respect to unpublished
federal cases, this court has held that they do not carry any authority before an Illinois court.
Lyons v. Ryan, 324 Ill. App. 3d 1094, 1107 n.11 (2001) (“unreported federal court orders” are
not “any kind of authority before an Illinois court”); Sompolski v. Miller, 239 Ill. App. 3d 1087,
1093 (1992) (“we decline” to follow “an unreported Federal district court decision”).
¶ 102 In sum, for coverage to exist, a child who is away at school does not have to also prove that
he or she primarily resides with the policy holder. First, State Farm’s use of the word “it”
rendered the “relative” definition ambiguous as to whether compliance with both lines is
required, and any ambiguities must be construed against the drafter. Second, if compliance
with both lines was required, the second line could never be satisfied, since a child cannot be
both “away” at school while primarily residing with the policy holder. Third, the
overwhelming majority of the precedent cited by the parties supports this conclusion. Drake,
608 S.E.2d at 196 (although the child did not qualify under the first line of State Farm’s
“relative” definition since she resided primarily with the other parent, coverage applied
because she was away at school); Dwelle, 839 So. 2d at 900 (under an “alternative second
theory,” even if the child was not a resident of his parents’ home, he was covered as a child
away at school); Crump, 961 F.2d at 727 (since the child “was covered as a ‘relative’ under the
second sentence of the definition,” it was unnecessary to consider whether the first line also
applied); State Farm Mutual Automobile Insurance Co. v. Taussig, 227 Ill. App. 3d 913, 917
(1992) (appellate court analyzed the two lines as independent and “alternate” sources of
coverage); Bauer, 2006 WI App 152, ¶ 9 (“Were it not for this sentence, unmarried and
unemancipated children away from home at school would not be insured under their parents’
UIM coverage because they would be primarily residing in a college dormitory or apartment
and not at home.”); Brown, 26 So. 3d at 1168-69 (see discussion of case supra in text).

¶ 103 V. Second Line: “Away at School”
¶ 104 Next we consider the second line of the definition and whether Andrew was “away at
school.”
¶ 105 Before the trial court, State Farm did not offer arguments concerning whether Andrew was
“away at school.” However, it did argue that, because he registered to vote in Colorado, he did
not “reside primarily” with his parents in Chicago. On appeal, State Farm has added that the
voter registration is also a reason why he was not “away at school.” In other words, Colorado
was his residence, so he was not “away.”
¶ 106 The undisputed facts are that, while at school in Colorado, Andrew was “away” from his
parents in Chicago, from the policy holder, and from where he lived before he left for school.
Crump, 961 F.2d at 727 (relying on the dictionary definition of “away” to interpret State
Farm’s “relative” definition, the court held that a child was “away” when “ ‘absent from’ ” his
or her parents’ home).

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¶ 107 On appeal, State Farm points to the following facts to argue that Andrew was not “away”:
(1) he attended boarding school outside of Illinois, starting at age 16 and prior to attending
college; and (2) he registered to vote in Colorado and had a Colorado driver’s license. State
Farm argues that Andrew lacked an intent to return to Chicago after graduation and, therefore,
he was not “away” from it.
¶ 108 First, with respect to boarding school, the policy says “school” not “college” or
“university.” Interpreting the same “relative” definition at issue here, the Drake court observed
that “the term ‘school’ was not defined by the policies” and thus the term was given its
ordinary dictionary meaning. Drake, 608 S.E.2d at 195-96. As a result, the court held that the
term “school,” as used in the State Farm auto policy, includes “an elementary school, junior
high school, high school, trade school, college and university.” Drake, 608 S.E.2d at 196.
Thus, when Andrew was at boarding school, he was “away at school” for purposes of the
policy, and that continued when in college. The Eighth Circuit in Crump observed that neither
the word “away” in the dictionary nor the word “away” in State Farm auto’s policy “contain
any time *** limitations.” Crump, 961 F.2d at 727.
¶ 109 Second, State Farm argues that Andrew lost coverage when he registered to vote in
Colorado and obtained a Colorado driver’s license because he did not have an intent to return
to Chicago. However, the policy says none of this. It specifically excludes emancipated and
married children but it does not state that it also excludes children who obtain voter registration
or driver’s licenses while away. When construing an insurance policy, a court tries to give
effect to the intent of the parties at the time the policy was issued. Founders Insurance Co. v.
American Country Insurance Co., 366 Ill. App. 3d 64, 69 (2006); see also Outboard Marine,
154 Ill. 2d at 122; Gaudina, 2014 IL App (1st) 131264,¶ 17.7 Andrew is not a party to the
contract, so his intent is not at issue. Cf. Dwelle, 839 So. 2d at 901 (“the lower court
erroneously relied on [the child’s] statement of future residency intent in deciding he was not
entitled” to coverage under his parents’ policies). Parents would be surprised to learn that,
without any language to that effect in the contract, their college students’ voter registration and
driver’s licenses would strip their children of coverage. State Farm does not cite a single case
where a college student lost insurance coverage due to his or her voter registration or driver’s
license.8 State Farm asks us to be the first.

7
State Farm argues that Illinois courts have rejected the reasonable expectations doctrine and cites
in support Smagala v. Owen, 307 Ill. App. 3d 213, 219 (1999). That is only partially correct. The
reasonable expectations test is “used as a tool of construction in assessing the intent of the parties when
a contract is ambiguous.” Smagala, 307 Ill. App. 3d at 219. The test is not used when a “ ‘study of the
policy provisions would have negated those expectations.’ ” Smagala, 307 Ill. App. 3d at 219 (quoting
Robert E. Keeton, Basic Text on Insurance Law § 6.3 (1971)).
8
State Farm cited for a different point State Farm Mutual Automobile Insurance Co. v. Differding,
46 Ill. App. 3d 15, 20 (1977), in which the court considered that a postgraduate student kept her parents’
address on her driver’s license, voter’s registration card, library card, checking account and income tax
statements in holding that she was “unemancipated.” However, in the instant case, State Farm has never
disputed the fact that Andrew is “unemancipated.” In addition, unlike the policy here, the words
“resident” and “reside” were specifically defined in the Differding policy, so that the Differding court
was not applying the common meaning of those terms, as is the case here. Differding, 46 Ill. App. 3d at
19.

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¶ 110 Almost all the cases cited by State Farm on this point are election cases. Stein v. County
Board of School Trustees, 40 Ill. 2d 477, 479-80 (1968) (the issue was whether a petition was
signed by two-thirds of the legal voters); Anderson v. Pifer, 315 Ill. 164, 167 (1924) (the issue
concerned a contested election); People ex rel. Madigan v. Baumgartner, 355 Ill. App. 3d 842,
848 (2005) (the question was whether defendant had filed a false statement of candidacy, and it
turned on the definition of residence in the Election Code for the purposes of voter
registration); Merrill v. Shearston, 214 P. 540, 541 (Colo. 1923) (this was an election case
where the issue was whether hospital inmates could vote). State Farm does not explain why the
goals and purposes of the Election Code and insurance law are so closely aligned that the
definition and rules contained in one should also govern the other.
¶ 111 The one nonelection case cited by State Farm on this point is Farmers Automobile
Insurance Ass’n v. Gitelson, 344 Ill. App. 3d 888 (2003), and State Farm cites it to argue that
Andrew must prove an intent to return. The question in Gitelson concerned whether a “family
member” presently resided in the insured’s “household,” and we stated that “the controlling
factor in determining [her present] residency is intent.” Gitelson, 344 Ill. App. 3d at 890, 892.
However, in the case at bar, we know Andrew was not presently dwelling in his parents’
household; he was in Colorado. Gitelson does not stand for the proposition that a student who
is “away” must prove an intent to return. There was no issue in Gitelson about whether the
injured person was “away at college,” because the definition of “family member” at issue there
did not have that line and, in any event, the family member in question had already graduated
college. Thus, Gitelson does not support the proposition that a college student who is “away”
must prove an intent to return. See also Dwelle, 839 So. 2d at 901 (“the lower court erroneously
relied on [the child’s] statement of future residency intent in deciding he was not entitled” to
coverage under his parents’ policies).

¶ 112 CONCLUSION
¶ 113 In sum, we conclude, first, that the trial court did not abuse its discretion by denying a
motion for rehearing based on legal claims that were not previously advanced. Second,
Andrew is covered under the Toigs’ policies as a child away from school.

¶ 114 Affirmed.

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