
927 N.E.2d 340 (2006)
365 Ill. App.3d 1115
DIAMOND STATE INS. CO.
v.
RICHARDS.
Nos. 3-05-0311, 3-05-0326, 3-05-0327.
Appellate Court of Illinois, Third District.
May 23, 2006.
Rev'd & rem. with directions.
