{ "id": 5314173, "name": "Country Mutual Insurance Company, Plaintiff-Appellant, v. Albert Elman Watson, el al., Defendants-Appellees", "name_abbreviation": "Country Mutual Insurance v. Watson", "decision_date": "1971-10-08", "docket_number": "No. 70-277", "first_page": "667", "last_page": "670", "citations": [ { "type": "official", "cite": "1 Ill. App. 3d 667" } ], "court": { "name_abbreviation": "Ill. App. Ct.", "id": 8837, "name": "Illinois Appellate Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "153 N.W.2d 458", "category": "reporters:state_regional", "reporter": "N.W.2d", "case_ids": [ 2349009 ], "opinion_index": 0, "case_paths": [ "/iowa/261/0135-01" ] }, { "cite": "147 N.W.2d 460", "category": "reporters:state_regional", "reporter": "N.W.2d", "year": 1967, "opinion_index": 0 }, { "cite": "5 Mich. App. 536", "category": "reporters:state", "reporter": "Mich. App.", "case_ids": [ 2026906 ], "year": 1967, "opinion_index": 0, "case_paths": [ "/mich-app/5/0536-01" ] }, { "cite": "266 F. Supp. 208", "category": "reporters:federal", "reporter": "F. Supp.", "case_ids": [ 1562728 ], "year": 1967, "opinion_index": 0, "case_paths": [ "/f-supp/266/0208-01" ] }, { "cite": "166 Ill. 54", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 5498602 ], "opinion_index": 0, "case_paths": [ "/ill/166/0054-01" ] }, { "cite": "315 Ill. 164", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 2437650 ], "year": 1897, "opinion_index": 0, "case_paths": [ "/ill/315/0164-01" ] }, { "cite": "362 Ill. 469", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 2592726 ], "year": 1924, "pin_cites": [ { "page": "476" } ], "opinion_index": 0, "case_paths": [ "/ill/362/0469-01" ] }, { "cite": "370 Ill. 196", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 2561041 ], "year": 1936, "pin_cites": [ { "page": "200-202" } ], "opinion_index": 0, "case_paths": [ "/ill/370/0196-01" ] }, { "cite": "40 Ill.2d 477", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 2855863 ], "weight": 2, "year": 1938, "pin_cites": [ { "page": "479-480" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/40/0477-01" ] }, { "cite": "396 Ill. 322", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 2465609 ], "year": 1968, "pin_cites": [ { "page": "344" } ], "opinion_index": 0, "case_paths": [ "/ill/396/0322-01" ] }, { "cite": "2 Ill.2d 374", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 12128412 ], "pin_cites": [ { "page": "380" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/2/0374-01" ] }, { "cite": "87 Ill.App.2d 15", "category": "reporters:state", "reporter": "Ill. App. 2d", "case_ids": [ 2548634 ], "opinion_index": 0, "case_paths": [ "/ill-app-2d/87/0015-01" ] } ], "analysis": { "cardinality": 444, "char_count": 6371, "ocr_confidence": 0.731, "pagerank": { "raw": 2.71339250663453e-07, "percentile": 0.8295085929720227 }, "sha256": "6e664eadaad0a526f365d46b031aa89328f8e6cfb7e1b0c8e32e12fa14d494f4", "simhash": "1:9adaf3063e58c9a1", "word_count": 1044 }, "last_updated": "2023-07-14T15:27:55.359601+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "Country Mutual Insurance Company, Plaintiff-Appellant, v. Albert Elman Watson, el al., Defendants-Appellees." ], "opinions": [ { "text": "Mr. PRESIDING JUSTICE THOMAS J. MORAN\ndelivered the opinion of the court:\nPlaintiff, Country Mutual Insurance Company, brought a declaratory judgment action to determine its liability under an insurance policy issued to defendant. The trial court held for the defendant and plaintiff appeals.\nThe record shows that the plaintiff insured the defendant, A. E. Watson, under a liability policy covering his premises and the operation of his farm.\nWhile insured, the defendant and his wife entered into an agreement with the Department of Children and Family Services of the State of Illinois. Pursuant to this agreement, defandants received $300 per month to retain placement space in their home for six children. They agreed to accept, for temporary care up to five months, any child referred by the Department.\nCustomarily, defendant took two of the boys who were staying with him, to feed the cattle. The boys had asked to participate in this activity and took turns doing so. On September 17, 1967, one of the boys, James C. Foster III, accompanied defendant and was given a knife with which to cut the string on the bales of hay. As the boy was so engaged, he accidentally inflicted injury to his eye.\nA complaint for injuries was filed on behalf of the boy against the Department, defendant, and his wife. The defendant tendered the claim to the plaintiff, a reservation of rights was entered into and thereafter plaintiff commenced the instant proceedings.\nThe plaintiff contends that the trial court erred in its interpretation of two exclusionary provisions of the policy. Excluded are liabilities arising out of any business pursuit of the insured and injuries incurred by any resident of the defendant\u2019s household.\nThe policy defines \u201cbusiness\u201d as a trade, profession or occupation other than farming and excludes:\n\u201c* * * any business pursuit of an insured, other than * * * activities therein which are ordinarily incident to non-business pursuits * *\nPlaintiff claims that by reason of the agreement with the Department, the defendant was in the business of maintaining a foster home and that the injury to the boy was incident to that business rather than the farming operation. It is argued that part of the defendant\u2019s duties under his arrangement with the Department was to train the children staying on the premises; that feeding of the cattle was part of that training and therefore, the injury occurred during and as a result of defendant\u2019s business pursuits. The evidence reveals that helping to feed the cattle was a pleasure not a chore for the children and it was customary for the children to take turns in participating in this form of recreation. We agree with the trial court that the defendant was in the course of his non-business pursuit of farming and the cutting of the string on the bales of hay was an activity \u201cordinarily incident\u201d to that non-business pursuit. See, State Farm Fire & Cas. Co. v. MacDonald (1967) 87 Ill.App.2d 15.\nPlaintiff further claims that the boy was a resident of defendant\u2019s household and therefore, excluded from coverage under the insurance contract. The policy does not cover injuries incurred by the insured, his spouse, or \u201cresidents of his household\u201d. The trial court found the boy was not a resident of the defendant\u2019s household. It should be emphasized at this point that we are here called upon to determine if the boy was a resident of the defendant\u2019s household, not to determine his residence.\nThe plaintiff has correctly pointed out that \u201cresidence\u201d has no fixed, exact meaning in the law, but varies with context and subject matter. Hughes v. Illinois Public Aid Com. (1954), 2 Ill.2d 374, 380. There has been no Illinois decision cited, nor has our research revealed a case, which has interpreted the phrase \u201cresident of his household\u201d; however, numerous Illinois cases have construed the term \u201cresident\u201d in a context other than as applied to insurance policies. These cases support the statement found in Routt v. Barrett (1947), 396 Ill. 322, 344, that, \u201cThe word resident\u2019 is in common usage and is generally understood to mean one having more than mere physical presence.\u201d The elements required beyond physical presence are intention and permanency of abode. Stein v. Cty. Bd. of School Trustees (1968), 40 Ill.2d 477-479; Pope v. Board of Election Comrs. (1938), 370 Ill. 196, 200-202; Bullman v. Cooper (1936), 362 Ill. 469, 476; Anderson v. Pifer (1924), 315 Ill. 164-167; and Hill v. Hill (1897), 166 Ill. 54-55.\nThe Court in Stein, supra, 479-480, held that intention is the controlling factor in determining whether a residence has been acquired or abandoned, and that intent is gathered primarily from the acts of a person.\nIn the instant case, testimony given by a social worker for the Department indicates it was never intended that any child placed in the defendant\u2019s home would remain there permanently. The home was merely a \u201ctemporary care facility\u201d used until permanent placement of a child could be made. It was stressed to the children that they would be moved from the home. Further testimony was given by the regional director of the Department who characterized the foster home operated by the defendant as a \u201cdiagnostic center\u201d where the children were placed for a indeterminate period of time up to five months under the custodial agreement.\nThe testimony clearly indicates that the stay of the boy would be of a temporary nature and the critical element of intention to make the home his permanent abode was lacking. Therefore, it cannot be said that he became a \u201cresident of the household\u201d.\nOther jurisdictions support the position that to be a \u201cresident of the household\u201d the element of permanency must be established. See, Great American Insurance Company v. Marshall (D. So. Car., 1967), 266 F. Supp. 208; Stadelmann v. Glen Falls Insurance Co. of Glen Falls (1967), 5 Mich. App. 536, 147 N.W.2d 460; Goodsell v. State Automobile and Casualty Under. (Sup. Ct. Iowa, 1967), 153 N.W.2d 458.\nThe judgment of the trial court was correct and must be affirmed.\nJudgment affirmed.\nGUILD and SEIDENFELD, JJ., concur.", "type": "majority", "author": "Mr. PRESIDING JUSTICE THOMAS J. MORAN" } ], "attorneys": [ "Bert P. Snow, and John F. Graff, of Freeport, for appeUant.", "John A. Leemon, of Mt. CarroU, for appeUee." ], "corrections": "", "head_matter": "Country Mutual Insurance Company, Plaintiff-Appellant, v. Albert Elman Watson, el al., Defendants-Appellees.\n(No. 70-277;\nSecond District\nOctober 8, 1971.\nBert P. Snow, and John F. Graff, of Freeport, for appeUant.\nJohn A. Leemon, of Mt. CarroU, for appeUee." }, "file_name": "0667-01", "first_page_order": 687, "last_page_order": 690 }