dissenting:
I dissent.
I believe that the trial court’s decision was correct based on this court’s decision in Stearns v. Millers Mutual Insurance Ass’n, 278 Ill. App. 3d 893, 663 N.E.2d 517 (1996), and on Filip v. North River Insurance Co., 201 Ill. App. 3d 351, 559 N.E.2d 17 (1990).