{
  "id": 5257768,
  "name": "Prudence Mutual Casualty Company, a Corporation, Plaintiff-Appellant, v. Edward F. Sturms, Ruth E. Sturms, Mable P. Oakes and Frederick C. Currier, Jr., Defendants-Appellees",
  "name_abbreviation": "Prudence Mutual Casualty Co. v. Sturms",
  "decision_date": "1962-10-03",
  "docket_number": "Gen. No. 48,585",
  "first_page": "304",
  "last_page": "308",
  "citations": [
    {
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      "cite": "37 Ill. App. 2d 304"
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  "court": {
    "name_abbreviation": "Ill. App. Ct.",
    "id": 8837,
    "name": "Illinois Appellate Court"
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  "jurisdiction": {
    "id": 29,
    "name_long": "Illinois",
    "name": "Ill."
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    {
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      "category": "reporters:state_regional",
      "reporter": "N.E.2d",
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      "reporter": "Ill.",
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        2516280
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    {
      "cite": "259 F2d 389",
      "category": "reporters:federal",
      "reporter": "F.2d",
      "case_ids": [
        447943
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      "year": 1958,
      "opinion_index": 0,
      "case_paths": [
        "/f2d/259/0389-01"
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    },
    {
      "cite": "351 P2d 398",
      "category": "reporters:state_regional",
      "reporter": "P.2d",
      "case_ids": [
        10490745
      ],
      "opinion_index": 0,
      "case_paths": [
        "/p2d/351/0398-01"
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  "last_updated": "2023-07-14T19:35:05.328897+00:00",
  "provenance": {
    "date_added": "2019-08-29",
    "source": "Harvard",
    "batch": "2018"
  },
  "casebody": {
    "judges": [
      "DEMPSEY, P. J. and McCORMICK, J., concur."
    ],
    "parties": [
      "Prudence Mutual Casualty Company, a Corporation, Plaintiff-Appellant, v. Edward F. Sturms, Ruth E. Sturms, Mable P. Oakes and Frederick C. Currier, Jr., Defendants-Appellees."
    ],
    "opinions": [
      {
        "text": "MR. JUSTICE SCHWARTZ\ndelivered the opinion of the conrt.\nThis is an action by Prudence Mutual Casualty Company, an insurance company, for a declaratory judgment seeking an interpretation of the so-called \u201csubstitution clause\u201d of an insurance policy issued to d\u00e9fendant Frederick C. Currier, Jr. The other three defendants are the plaintiffs in a personal injury action against Currier, Jr. growing out of a collision between a car driven by him and one driven by Edward F. Sturms. To avoid confusion we will refer to plaintiff as the \u201cinsurance company,\u201d to defendant Currier, Jr. as the \u201cinsured\u201d and to the other defendants as the \u201cinjured persons.\u201d\nThe policy covers liability growing out of the use of an automobile described as a 1954 Chevrolet, but provision is made for coverage of an automobile \u201cwhile temporarily used as a substitute for the described automobile when withdrawn from normal use because of its breakdown, repair, servicing, loss or destruction.\u201d The liability of the insurance company for personal injuries resulting from the accident depends on the construction of that clause in the policy. The trial court construed the clause as covering a substitute car, and from that judgment the insurance company has appealed.\nThe case was heard on an agreed statement of facts from which the following facts, pertinent to the issue, appear. During the year 1957 the insured was attending Xavier College at Cincinnati, Ohio. On or about May 4 he drove his Chevrolet to Chicago to spend the weekend at home. On that date he discovered he was having difficulty with the clutch on his car. In order to get back to school he borrowed a 1954 Ford owned by his father. On May 5, he drove the Ford from Chicago to Cincinnati and resumed his classes. On May 6 his father drove the Chevrolet to an automobile agency to have it repaired. It was repaired on that date and on or about May 6 or within three or four days thereafter it was picked up by the insured\u2019s father, driven home by him and placed in the garage there awaiting the insured\u2019s return from Cincinnati. The insured retained possession of his father\u2019s Ford between May 5 and May 31, during which time he was attending school in Cincinnati. During that period he lived near the University and did not use his father\u2019s car for transportation. He did not wish to return to Chicago during that time because of his school work. The school term ended on May 31, 1957, and on or about June 1, the insured while returning home from Cincinnati in his father\u2019s car was involved in a collision in Lake County, Indiana, with an automobile driven by Edward F. Sturms, one of the injured persons, in which the defendants Euth E. Sturms and Mable P. Oakes were passengers. After the accident the insured\u2019s father drove the 1954 Chevrolet from Chicago to Hammond, Indiana, to pick up the insured. Subsequently the injured persons filed an action for damages against the insured, alleging personal injuries as a result of the accident. Following the institution of that suit the instant case for construction of the policy was instituted. The trial court found that the 1954 Ford was a substitute car within the meaning of the clause hereinbefore referred to.\nThe insurance company contends that the substitution clause applied only while the covered car was \u201cwithdrawn from normal use because of its breakdown, repair, servicing, loss or destruction,\u201d and that this \u201cwithdrawal\u201d ceased upon the insured\u2019s car being repaired. They do not, however, go so far as to argue that the coverage of the substitute car expired at the moment the repairs were completed. Therefore the issue is when, after repair, does coverage of a substitute car expire ?\nThe insured argues that the policy is not clear as to when an insured automobile ceases to be \u201cwithdrawn from normal use because of its breakdown, repair, servicing, loss or destruction.\u201d Hence, he argues, the court must resolve the ambiguity by finding the intention of the parties. Counsel for the insurance company recognizes that time would be allowed for the insured to retake the car after it had been repaired. It is also recognized by the parties that the essential purpose of the limitation placed on the application of the substitute clause is to avoid the possibility of having more than one car covered at the same time.\nThe clause in question uses the words \u201cwithdrawn from normal use.\u201d The word \u201cwithdrawn\u201d has many meanings. One is given in Funk & Wagnall\u2019s Standard Desk Dictionary as follows: \u201cTo keep or abstract from use.\u201d The covered car was kept or abstracted from normal use because of its breakdown. So far as appears from the facts, after the father placed the insured\u2019s car in the garage awaiting the insured\u2019s return, the father used it only when he drove it to pick up the insured after the accident. The insured\u2019s car thus was not returned to normal use prior to the time of the accident. Therefore the essential purpose of the limitation placed on the clause, i. e., to avoid the possibility of having more than one car covered at the same time, was satisfied. Since there was no normal use of the insured\u2019s car by his father, it is immaterial that the father could have used the car if he so desired. Mid-Continent Cas. Co. v. West, 351 P2d 398 (Okla).\nPlaintiff cites Pennsylvania Threshermen & Farmers Mut. Ins. Co. v. Robertson, 259 F2d 389 (4th Cir, 1958) in support of its position. In that case husband and wife temporarily exchanged cars in order for the husband to have the wife\u2019s car repaired. They had to be separated for a week. At the end of the week they did not meet as they had agreed because the wife had to visit her sick father. Therefore the wife continued to use her husband\u2019s car. During that time the husband was normally using his wife\u2019s car, which had been repaired. During the following week, the wife while using her husband\u2019s car was involved in an accident. The court ruled that the substitute car was not covered by the insurance policy. That case is substantially different from the instant case because there \u201cher car was actually being used by her husband.\u201d While the insured used the substitute car, her car not only had been repaired, but was in normal use. It was the normal use by the husband which caused the substitute car not to be covered. Although the other cases cited by the parties deal with the interpretation of a \u201cTemporary Substitute Automobile\u201d clause, they deal with questions not raised in the instant case.\nThere is no time limitation in the policy for the insured to retake his car. Where no time is provided for the performance of a contract, the law will imply a reasonable time. Miller v. Pettengill, 392 Ill 117, 63 NE2d 735. Therefore, once it is determined that the insured\u2019s car was withdrawn from normal use while he was using the substitute car and that his car was not being normally used after it had been repaired, it must be determined whether the insured picked up his car within a reasonable time after it had been repaired. The insured was pursuing his normal course of study at the university in Cincinnati, and we do not consider that any reasonable interpretation of the clause would require him to return home solely for the purpose of claiming his car in the short period intervening between the time it was repaired and expiration of the school term. Such a requirement would not be reasonable.\nSince there was neither normal use of the insured\u2019s car prior to the accident nor failure of the insured to pick up his car within a reasonable time, the substitute car at the time of the accident was covered under the policy.\nJudgment affirmed.\nDEMPSEY, P. J. and McCORMICK, J., concur.",
        "type": "majority",
        "author": "MR. JUSTICE SCHWARTZ"
      }
    ],
    "attorneys": [
      "George F. Barrett, of Chicago (Leo M. Tarpey, Jr., of counsel), for appellant.",
      "Clarence R. Serb, of Chicago, for Frederick C. Currier, Jr., appellee; James A. Dooley, of Chicago, for Edward F. Sturms, Ruth E. Sturms and Mable P. Oakes, appellees."
    ],
    "corrections": "",
    "head_matter": "Prudence Mutual Casualty Company, a Corporation, Plaintiff-Appellant, v. Edward F. Sturms, Ruth E. Sturms, Mable P. Oakes and Frederick C. Currier, Jr., Defendants-Appellees.\nGen. No. 48,585.\nFirst District, Third Division.\nOctober 3,1962.\nGeorge F. Barrett, of Chicago (Leo M. Tarpey, Jr., of counsel), for appellant.\nClarence R. Serb, of Chicago, for Frederick C. Currier, Jr., appellee; James A. Dooley, of Chicago, for Edward F. Sturms, Ruth E. Sturms and Mable P. Oakes, appellees."
  },
  "file_name": "0304-01",
  "first_page_order": 314,
  "last_page_order": 318
}