{ "id": 725358, "name": "COUNTRY MUTUAL INSURANCE COMPANY, Appellant, v. TEACHERS INSURANCE COMPANY et al. (Teachers Insurance Company, Appellee)", "name_abbreviation": "Country Mutual Insurance v. Teachers Insurance", "decision_date": "2001-03-22", "docket_number": "No. 89412", "first_page": "322", "last_page": "336", "citations": [ { "type": "official", "cite": "195 Ill. 2d 322" } ], "court": { "name_abbreviation": "Ill.", "id": 8772, "name": "Illinois Supreme Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "166 Ill. 2d 475", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 198908 ], "year": 1995, "pin_cites": [ { "page": "499-500" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/166/0475-01" ] }, { "cite": "179 Ill. 2d 519", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 801359 ], "weight": 2, "year": 1997, "pin_cites": [ { "page": "533" }, { "page": "534" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/179/0519-01" ] }, { "cite": "78 Ill. 2d 420", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 3075623 ], "year": 1980, "pin_cites": [ { "page": "423", "parenthetical": "the terms of an insurance policy are to be applied as written unless those terms contravene public policy" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/78/0420-01" ] }, { "cite": "178 Ill. 2d 386", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 385564 ], "year": 1997, "pin_cites": [ { "page": "392" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/178/0386-01" ] }, { "cite": "132 Ill. App. 3d 868", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3441307 ], "year": 1985, "opinion_index": 0, "case_paths": [ "/ill-app-3d/132/0868-01" ] }, { "cite": "111 Ill. 2d 76", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 3167547 ], "year": 1986, "pin_cites": [ { "page": "85" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/111/0076-01" ] }, { "cite": "182 Ill. 2d 240", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 864529 ], "weight": 8, "year": 1998, "pin_cites": [ { "page": "241" }, { "page": "242" }, { "page": "242-43" }, { "page": "244" }, { "page": "244" }, { "page": "246" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/182/0240-01" ] }, { "cite": "312 Ill. App. 3d 566", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 411620 ], "weight": 5, "pin_cites": [ { "page": "571" }, { "page": "571" }, { "page": "572" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/312/0566-01" ] } ], "analysis": { "cardinality": 766, "char_count": 23433, "ocr_confidence": 0.798, "pagerank": { "raw": 1.6929308163089866e-07, "percentile": 0.6995247599377415 }, "sha256": "c87203eee4e09440ac1ecd95611cbe55e6c9c569a308404b25483ef52247dec3", "simhash": "1:eacbbe8227331586", "word_count": 3745 }, "last_updated": "2023-07-14T18:27:15.890678+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "COUNTRY MUTUAL INSURANCE COMPANY, Appellant, v. TEACHERS INSURANCE COMPANY et al. (Teachers Insurance Company, Appellee)." ], "opinions": [ { "text": "JUSTICE McMORROW\ndelivered the opinion of the court:\nThe issue presented to us in this appeal is whether plaintiff, Country Mutual Insurance Company (Country Mutual), the insurer of a school board, or defendant Teachers Insurance Company (Teachers), the insurer of a teacher, is primarily liable for damages resulting from an automobile accident involving the teacher which occurred while the teacher was acting within the scope of her employment. The appellate court held that the public policy expressed in section 10 \u2014 20.20 of the School Code (105 ILCS 5/10 \u2014 20.20 (West 1998)) required the school board\u2019s insurer to provide primary coverage and granted summary judgment to Teachers. 312 Ill. App. 3d 566. For the reasons that follow, we reverse the judgment of the appellate court granting summary judgment to Teachers and remand the cause to that court for further proceedings.\nBACKGROUND\nThe facts in this case are not in dispute. On December 8, 1995, Jo Chapman, a teacher at Sandoval Community High School District No. 501 (Sandoval), was driving her automobile while acting within the scope of her employment. Jamie Johnston, a student at Sandoval, was a passenger in the vehicle. Chapman\u2019s vehicle slid on an icy roadway and ran off the road, allegedly injuring Johnston. Johnston subsequently brought suit against Chapman and Sandoval, claiming that Chapman\u2019s negligence in driving the vehicle resulted in Johnston\u2019s injuries.\nAt the time of the accident, Chapman\u2019s vehicle was insured by defendant Teachers Insurance Company (Teachers), with Chapman as the named insured under the policy. Teachers\u2019 insurance policy with Chapman provides that Teachers will pay damages which Chapman becomes liable to pay because of bodily injury to others and that Teachers will defend any suit brought against Chapman for such damages.\nSandoval was insured by plaintiff, Country Mutual Insurance Company (Country Mutual), on a business automobile insurance policy. Country Mutual\u2019s policy with Sandoval provides:\n\u201cIt is agreed that such insurance as is afforded by the policy for bodily injury liability and for property damages liability with respect to an insured automobile is extended to insure any member of the Board of Education or any employee, teacher, volunteer, personnel or any student teacher of the named insured, but only while acting within the course or scope of his duties, as such, or under the direction of the Board of Education, subject to the following provisions:\n* * *\n2. The insurance afforded by this endorsement with respect to any hired or non-owned automobile shall be excess insurance over any other valid and collectible insurance.\u201d\nOn August 20, 1995, Country Mutual issued an endorsement adding to the \u201cwho is insured\u201d portion of its policy with Sandoval, which states:\n\u201cAny employee of yours is an insured while using a covered auto you don\u2019t own, hire or borrow in your business or your personal affairs.\u201d (Emphasis in original.) Chapman tendered the claim that Johnston filed\nagainst her to Teachers. Teachers then tendered the defense to Country Mutual. Teachers argued that Country Mutual\u2019s policy provided primary coverage for Chapman\u2019s accident. In response, Country Mutual filed suit for declaratory judgment in the circuit court of Jefferson County, naming Teachers, Ruth Johnston, Jo Chapman and Sandoval as defendants. Country Mutual alleged that its policy does not provide primary coverage and that it does not owe a duty to defend Chapman in the action against her. Teachers answered Country Mutual\u2019s complaint for declaratory judgment and filed a counterclaim against Country Mutual for declaratory judgment, alleging that Country Mutual\u2019s insurance policy did provide primary coverage for the accident. Teachers requested that Country Mutual be ordered to reimburse it for all amounts paid as a result of the underlying claim, as well as costs of the defense of the claim.\nBoth Teachers and Country Mutual filed motions for summary judgment. In its motion for summary judgment, Country Mutual contended that: (1) the unambiguous language of the policy that it issued to Sandoval establishes that it provides only excess coverage, rather than primary coverage, for Chapman\u2019s accident; and (2) the policy that Teachers issued to Chapman provides primary coverage. Country Mutual also argued that Illinois law sets forth the general principle that the automobile liability policy of the owner of a vehicle generally provides primary coverage.\nTeachers, in its motion for summary judgment, argued that: (1) Country Mutual is obligated to indemnify Chapman pursuant to the Local Governmental and Governmental Employees Tort Immunity Act (Tort Immunity Act) (745 ILCS 10/2 \u2014 302 (West 1998) (stating that a local public entity may elect to indemnify its employee for court costs, a judgment, and/or a settlement stemming from an action brought against that employee that arose while the employee was acting within the scope of his or her employment)); and (2) the August 1995 endorsement to the policy that Country Mutual issued to Sandoval establishes that Country Mutual is the primary carrier for Chapman\u2019s accident.\nThe circuit court of Jefferson County found that Teachers\u2019 insurance policy provided primary coverage for the accident and granted Country Mutual\u2019s summary judgment motion. Teachers then filed a motion to reconsider. In this motion, Teachers repeated the arguments that it made in its motion for summary judgment. Teachers also argued for the first time that section 10\u2014 20.20 of the School Code (105 ILCS 5/10 \u2014 20.20 (West 1998)) establishes that Sandoval had an obligation to indemnify and protect Chapman. Country Mutual filed a brief in response to Teachers\u2019 motion to reconsider, contending that Teachers\u2019 argument regarding section 10 \u2014 20.20 did not address the issue before the court, as it failed to consider the language in the insurance policies to determine which policy provides primary coverage. Country Mutual also repeated its argument that the language in the policies provides that Teachers\u2019 policy is primary.\nThe circuit court denied Teachers\u2019 motion to reconsider. In doing so, the court relied on State Farm Mutual Automobile Insurance Co. v. Universal Underwriters Group, 182 Ill. 2d 240 (1998), to find that the insurer of a vehicle is responsible to provide primary automobile liability coverage when the vehicle is involved in a loss. Teachers appealed.\nOn appeal, Teachers argued that Sandoval is obligated by the School Code (105 ILCS 5/1 \u2014 1 et seq. (West 1998)) and the Tort Immunity Act (745 ILCS 10/2 \u2014 301 (West 1998)) to indemnify and defend the action brought against Chapman, regardless of the insurance policy issued to Chapman by Teachers. The appellate court agreed that, pursuant to section 10 \u2014 20.20 of the School Code, Sandoval was statutorily obligated to defend and indemnify Chapman or her personal insurer for the claim. The court then held that, based on the public policy expressed in section 10 \u2014 20.20, Country Mutual\u2019s insurance policy provided primary coverage for the claim. Accordingly, the court reversed the summary judgment entered in favor of Country Mutual and entered summary judgment in favor of Teachers. 312 Ill. App. 3d 566. We granted Country Mutual\u2019s petition for leave to appeal. 177 Ill. 2d R. 315(a).\nANALYSIS\nAn insurance policy is a contract between an insurer and an insured (Copley v. Pekin Insurance Co., 111 Ill. 2d 76, 85 (1986)), and the rights and obligations of an insurer are primarily determined by the terms of that contract (Bituminous Casualty Corp. v. Iowa National Mutual Insurance Co., 132 Ill. App. 3d 868 (1985)). When rendering its judgment in this case, however, the appellate court did not base its decision on the terms of Country Mutual\u2019s policy or Teachers\u2019 policy when determining which insurer is primarily liable for Chapman\u2019s accident. Rather, the court relied exclusively on the School Code and considered only the parties\u2019 arguments that related to the School Code. Specifically, the court determined that it could not base its decision on the insurance policies at issue in this case because to construe Country Mutual\u2019s policy as providing only excess coverage for Chapman\u2019s accident would be contrary to public policy. See, e.g., Illinois Farmers Insurance Co. v. Cisco, 178 Ill. 2d 386, 392 (1997), citing Menke v. Country Mutual Insurance Co., 78 Ill. 2d 420, 423 (1980) (the terms of an insurance policy are to be applied as written unless those terms contravene public policy). The court found this public policy in sections 10 \u2014 20 and 10 \u2014 20.20 of the School Code.\nSection 10 \u2014 20 of the School Code, entitled \u201cPowers of school board,\u201d states:\n\u201cThe school board has the powers enumerated in the Sections of this Article following this Section. This enumeration of powers is not exclusive, but the board may exercise all other powers not inconsistent with this Act that may be requisite or proper for the maintenance, operation, and development of any school or schools under the jurisdiction of the board. This grant of powers does not release a school board from any duty imposed upon it by this Act or any other law.\u201d 105 ILCS 5/10 \u2014 20 (West 1998).\nSection 10 \u2014 20.20 states:\n\u201cTo indemnify and protect school districts, members of school boards, [and] employees *** against civil rights damage claims and suits, constitutional rights damage claims and suits and death and bodily injury and property damage claims and suits, including defense thereof, when damages are sought for negligent or wrongful acts alleged to have been committed in the scope of employment or under the direction of the board.\u201d 105 ILCS 5/10 \u2014 20.20 (West 1998).\nPrior to 1996, section 10 \u2014 20 set forth the \u201cduties,\u201d rather than \u201cpowers\u201d of school boards, providing that \u201c[t]he school board has the duties enumerated in the Sections following this Section and preceding Section 10 \u2014 21.\u201d (Emphasis added.) 105 ILCS 5/10 \u2014 20 (West 1994). Section 10 \u2014 20 was amended in 1996 to change the word \u201cduties\u201d to \u201cpowers.\u201d See 105 ILCS 5/10 \u2014 20 (West 1996), amended by Pub. Act No. 89 \u2014 159, eff. January 1, 1996.\nThe appellate court held that the 1996 amendment to section 10 \u2014 20 did not change a school district\u2019s mandatory duty to indemnify and defend its employees. The court concluded that the legislative history of the 1996 amendment established that \u201cthe purpose of the amendment was not to do away with any duties owed by school districts but to expand the powers of school districts to include any powers necessary and proper for the maintenance, operation, and development of schools, provided those powers are not in conflict with any other provisions of the School Code.\u201d 312 Ill. App. 3d at 571. Thus, the appellate court found that sections 10 \u2014 20 and 10 \u2014 20.20 express a public policy that a school board is required to indemnify its employees for damage claims due to negligence that occurs during the scope of employment.\nOn appeal to this court, the parties dispute the meaning of section 10 \u2014 20.20. Country Mutual contends that section 10 \u2014 20.20 does not place a mandatory duty on school boards to indemnify their employees for damage claims due to negligence that occur in the scope of employment. Country Mutual argues that the change from \u201cduties\u201d to \u201cpowers\u201d in section 10 \u2014 20 eliminates a school board\u2019s duty to indemnify its employees and gives school boards the authority to indemnify. Conversely, Teachers alleges that the legislature did not intend to remove a school board\u2019s duty to indemnify its employees. Teachers argues that the appellate court was correct in holding that the change from \u201cduties\u201d to \u201cpowers\u201d merely expanded the powers of school boards to include any powers necessary and proper for the maintenance, operation and development of schools. Thus, Teachers contends that school boards have a duty to indemnify their employees for damage claims due to negligence that occurs in the scope of employment.\n\u201cThe cardinal rule of statutory construction, to which all other canons and rules are subordinate, is to ascertain and give effect to the true intent and meaning of the legislature.\u201d Kunkel v. Walton, 179 Ill. 2d 519, 533 (1997). Where a statute\u2019s meaning is unclear from the statutory language, the court may examine the statute\u2019s legislative history. Kunkel, 179 Ill. 2d at 534.\nAccording to Black\u2019s Law Dictionary, the term \u201cduty\u201d is defined as \u201c[a]ny action, performance, task, or observance owed by a person in an official or fiduciary capacity.\u201d Black\u2019s Law Dictionary 522 (7th ed. 1999). The term \u201cpower,\u201d in contrast, is defined as \u201c[t]he ability to act or not act.\u201d Black\u2019s Law Dictionary 1189 (7th ed. 1999). Given these definitions, it initially appears that when the legislature changed the word \u201cduties\u201d to \u201cpowers,\u201d it removed a school board\u2019s obligation to indemnify its employees for damage claims due to negligence and, instead, merely gave school boards the ability to indemnify them. However, when the legislature amended section 10 \u2014 20 to change the word \u201cduties\u201d to \u201cpowers,\u201d it also added a sentence to the section that provides: \u201cThis grant of powers does not release a school board from any duty imposed upon it by this Act or any other law.\u201d 105 ILCS 5/10 \u2014 20 (West 1998). Thus, while the legislature arguably seemed to have removed a school board\u2019s duty to indemnify by changing the word \u201cduties\u201d to \u201cpowers,\u201d it also appears to have then reimposed that duty by adding that the school board is not \u201creleased\u201d from any duty. We therefore turn to the legislative history of the 1996 amendment to section 10 \u2014 20 for guidance in determining the legislature\u2019s intent.\nOur examination of the legislative debates of the bill that amended section 10 \u2014 20 convinces us that the legislature did not intend to eliminate or change a school district\u2019s duty to indemnify and defend its employees when it changed the word \u201cduties\u201d to \u201cpowers.\u201d When discussing the bill that amended section 10 \u2014 20, Senator Klemm noted that the bill\n\u201cgives school boards the authority to exercise all that\u2019s necessary and proper for the maintenance and operation and development of their schools, provided that this authority is not in conflict with any provision of the School Code, in that it clarifies that this authority does not release school districts from any duty imposed by \u2014 by the law right now.\u201d 89th 111. Gen. Assem., Senate Proceedings, May 24, 1995, at 16 (statements of Senator Klemm).\nAs the senator spoke, \u201cthe law right now\u201d stated that school districts had a duty to indemnify and defend their employees for damage claims due to negligence occurring within the scope of employment. Similarly, during another legislative debate, Representative Cowlishaw explained the purpose of adding the sentence in section 10 \u2014 20 that reads, \u201cThis grant of powers does not release a school board from any duty imposed upon it by the Act or any other law.\u201d She stated that \u201cthere were some concerns about our being very careful that school boards realized they still had to do everything that the School Code requires *** [and] when that sentence was added that\u2019s when all opposition was removed.\u201d 89th Ill. Gen. Assem., House Proceedings, May 19, 1995, at 242 (statements of Representative Cowlishaw). Representative Cowlishaw also stated that\n\u201cIn other words we give by this Bill, school boards the authority to exercise all powers necessary and proper, for the maintenance operation and development of schools, provided those powers are not in conflict with any provision of the School Code.\u201d 89th 111. Gen. Assem., House Proceedings, May 19, 1995, at 241 (statements of Representative Cowlishaw).\nWe believe the foregoing statements make clear that the legislature did not intend the 1996 amendment to remove a school district\u2019s duty to indemnify and defend its employees. Instead, section 10 \u2014 20 was amended for the purpose of providing school districts with greater authority. Thus, we hold that section 10 \u2014 20.20 imposes a duty on school districts to indemnify and defend their employees for damage claims due to negligence that occurs in the scope of employment.\nAfter the appellate court in the case at bar determined that the School Code expresses a public policy that school boards indemnify their employees for damage claims due to negligence that occurs in the scope of the employment, the court then held that this public policy would be contravened if Country Mutual\u2019s insurance policy were to be construed as requiring only excess coverage. Accordingly, the appellate court held that, \u201cdespite the language in [Country Mutual\u2019s] insurance policy,\u201d which arguably states that it will provide only excess coverage in situations such as the one at bar, the court was required to construe that policy to afford primary coverage for Chapman\u2019s accident. 312 Ill. App. 3d at 571. In support of this position, the appellate court relied on State Farm, Mutual Automobile Insurance Co. v. Universal Underwriters Group, 182 Ill. 2d 240 (1998).\nIn State Farm, a car dealership customer was involved in an accident while test-driving the dealership\u2019s vehicle. State Farm, 182 Ill. 2d at 241. The driver\u2019s insurance company, State Farm Mutual Automobile Insurance Company (State Farm), paid the damages that arose from the accident and subsequently submitted a claim to the dealership\u2019s insurance carrier, Universal Underwriters Group (Universal), for reimbursement of those damages, claiming that the dealership\u2019s carrier afforded primary coverage. The policy issued by Universal to the dealership stated that any \u201c \u2018person or organization required by law to be an INSURED while using an AUTO covered by this Coverage Part within the scope of YOUR permission\u2019 \u201d was insured under the policy. State Farm, 182 Ill. 2d at 242.\nThe parties disputed whether the driver was required by law to be an insured pursuant to the Universal policy and section 7 \u2014 601 of the Illinois Vehicle Code. Section 7 \u2014 601 provides that \u201c \u2018[n]o person shall operate, register or maintain registration of, and no owner shall permit another person to operate, register or maintain registration of, a motor vehicle designed to be used on a public highway unless the motor vehicle is covered by a liability insurance policy.\u2019 \u201d State Farm, 182 Ill. 2d at 242-43, quoting 625 ILCS 5/7 \u2014 601(a) (West 1996).\nThis court agreed with State Farm that Illinois law required a dealership\u2019s liability policy to provide coverage for customers who test-drive the dealership\u2019s vehicles. We noted that the Illinois Vehicle Code requires that an insurance policy \u201c \u2018insure the person named therein and any other person using or responsible for the use of such motor vehicle or vehicles with the express or implied permission of the insured.\u2019 \u201d (Emphasis in original.) State Farm, 182 Ill. 2d at 244, quoting 625 ILCS 5/7 \u2014 317 (West 1996). Thus, we found that a liability insurance policy must cover not only the named insured, but also any other person who uses the named insured\u2019s vehicle with his or her permission. State Farm, 182 Ill. 2d at 244.\nWe further rejected Universal\u2019s argument that, even if its policy covered the accident, it provided only excess coverage according to the language of the policy. We stated:\n\u201cEven assuming, arguendo, that Universal is correct in its interpretation of the language of its garage policy, to give effect to that language would violate the public policy of this state, as defined by the General Assembly in the [Illinois Vehicle] Code. As explained above, the Code mandates that the insurance policy issued by Universal provide omnibus coverage. In the absence of any statutory language qualifying that mandate, the statute must be construed to require primary coverage.\u201d State Farm, 182 Ill. 2d at 246.\nThe appellate court in the instant case relied on this language in holding that the public policy of Illinois required Country Mutual to provide primary coverage for Chapman\u2019s accident. 312 Ill. App. 3d at 572. The appellate court erred when it relied on State Farm, as that case is inapposite to the facts at bar.\nUnlike State Farm, the statute in question in the matter at bar does not involve insurance. Sections 10 \u2014 20 and 10 \u2014 20.20 address the duties of school boards. They do not pertain to insurance or insurance policies. In fact, nowhere in these portions of the School Code is a school board\u2019s insurer mentioned. Thus, although sections 10 \u2014 20 and 10 \u2014 20.20 establish a public policy that school boards indemnify their employees for accidents that arise while those employees are acting within the scope of their employment, nothing in those sections defines an insurance company\u2019s duties. Simply stated, sections 10 \u2014 20 and 10 \u2014 20.20 do not establish a public policy that a school board\u2019s insurer indemnify any employee. Unlike the situation in State Farm, no public policy would be violated by giving effect to the language of both Country Mutual\u2019s and Teachers\u2019 insurance policies to determine which company is liable for primary coverage. To construe Country Mutual\u2019s policy as excess would not contravene the public policy that a school board has a duty to indemnify its employees for accidents that arise in the scope of employment.\nTherefore, while we agree with the appellate court\u2019s conclusion that section 10 \u2014 20.20 imposes a duty on school districts to indemnify their employees for accidents arising within the scope of employment, we do not agree with the appellate court\u2019s ultimate determination that construing Country Mutual\u2019s policy to provide only excess coverage for Chapman\u2019s accident would contravene the public policy expressed in section 10\u2014 20.20. We therefore determine that the appellate court erred in holding that public policy demands that Country Mutual\u2019s insurance policy be construed to provide primary coverage for Chapman\u2019s accident. The decision of the appellate court granting summary judgment in favor of Teachers is reversed.\nBecause no controlling expression of public policy applies in the matter at bar, this case involves a strict contract dispute. The terms of the insurance contracts will therefore control which company is primarily liable for Chapman\u2019s accident. As noted previously, the appellate court did not examine Country Mutual\u2019s and Teachers\u2019 insurance policies to determine which policy provided primary coverage for Chapman\u2019s accident. Because this issue was not fully briefed to this court by both parties, or determined in the appellate court, we remand this cause t\u00f3 the appellate court for resolution of this issue. People v. Landwer, 166 Ill. 2d 475, 499-500 (1995).\nCONCLUSION\nFor the foregoing reasons, the judgment of the appellate court granting summary judgment in favor of Teachers is reversed. The cause is remanded to the appellate court for further proceedings consistent with this opinion.\nAppellate court judgment reversed;\ncause remanded.\nThe action was later voluntarily dismissed against Sandoval.", "type": "majority", "author": "JUSTICE McMORROW" } ], "attorneys": [ "Stephen C. Mudge and Katherine M. Smith, of Reed, Armstrong, Gorman, Mudge & Morrissey, P.C., of Edwardsville, for appellant.", "Jerome E. McDonald and Matthew K. Wollin, of Campbell, Black, Carnine, Hedin, Ballard & McDonald, EC., of Mt. Vernon, for appellee." ], "corrections": "", "head_matter": "(No. 89412.\nCOUNTRY MUTUAL INSURANCE COMPANY, Appellant, v. TEACHERS INSURANCE COMPANY et al. (Teachers Insurance Company, Appellee).\nOpinion filed March 22, 2001.\nStephen C. Mudge and Katherine M. Smith, of Reed, Armstrong, Gorman, Mudge & Morrissey, P.C., of Edwardsville, for appellant.\nJerome E. McDonald and Matthew K. Wollin, of Campbell, Black, Carnine, Hedin, Ballard & McDonald, EC., of Mt. Vernon, for appellee." }, "file_name": "0322-01", "first_page_order": 336, "last_page_order": 350 }