{ "id": 2548032, "name": "LILLIAN BURRGESS KOSROW, Personal Adm'r of the Estate of Mary Ann Hoffman, Deceased, et al., Plaintiffs-Appellants, v. RONALD S. ACKER et al., Defendants (State Farm Mutual Automobile Insurance Company, Garnishee-Appellee)", "name_abbreviation": "Kosrow v. Acker", "decision_date": "1991-02-06", "docket_number": "No. 2\u201490\u20140221", "first_page": "143", "last_page": "147", "citations": [ { "type": "official", "cite": "208 Ill. App. 3d 143" } ], "court": { "name_abbreviation": "Ill. App. Ct.", "id": 8837, "name": "Illinois Appellate Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "381 Ill. 300", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 2558729 ], "opinion_index": 0, "case_paths": [ "/ill/381/0300-01" ] }, { "cite": "82 Ill. App. 3d 1010", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3223560 ], "weight": 2, "pin_cites": [ { "page": "1012" }, { "page": "1012" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/82/1010-01" ] }, { "cite": "102 Ill. App. 3d 804", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3074613 ], "weight": 2, "year": 1980, "pin_cites": [ { "page": "810" }, { "page": "810" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/102/0804-01" ] }, { "cite": "102 Ill. App. 3d 838", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3077794 ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/102/0838-01" ] }, { "cite": "109 Ill. App. 2d 268", "category": "reporters:state", "reporter": "Ill. App. 2d", "case_ids": [ 1594846 ], "opinion_index": 0, "case_paths": [ "/ill-app-2d/109/0268-01" ] }, { "cite": "36 Ill. 2d 263", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 5378169 ], "opinion_index": 0, "case_paths": [ "/ill-2d/36/0263-01" ] }, { "cite": "188 Ill. App. 3d 778", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2689773 ], "weight": 3, "opinion_index": 0, "case_paths": [ "/ill-app-3d/188/0778-01" ] } ], "analysis": { "cardinality": 425, "char_count": 7762, "ocr_confidence": 0.745, "pagerank": { "raw": 7.996632240224551e-08, "percentile": 0.46396508058964053 }, "sha256": "3a3c912549d3491d00d61d28307aaa3e46007111416b33ccf00e93b58b68f627", "simhash": "1:1f2ff4e41ea7d4cd", "word_count": 1241 }, "last_updated": "2023-07-14T21:36:42.825942+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "LILLIAN BURRGESS KOSROW, Personal Adm\u2019r of the Estate of Mary Ann Hoffman, Deceased, et al., Plaintiffs-Appellants, v. RONALD S. ACKER et al., Defendants (State Farm Mutual Automobile Insurance Company, Garnishee-Appellee)." ], "opinions": [ { "text": "JUSTICE NICKELS\ndelivered the opinion of the court:\nPlaintiffs-appellants, Lillian Burrgess Kosrow, Carl E. Robinson and Richard J. Byrne (estates), are the administrators of the estates of Mary Ann Hoffman, Beverly Robinson, and Colleen Byrne, three women killed in a car accident when their car was struck by one driven by defendant Ronald S. Acker. Acker admitted liability, and the estates obtained a jury verdict against Acker and against defendant Jeffrey C. Smith, the owner of the automobile driven by Acker, based on negligent entrustment of his car to Acker. The claim of negligent entrustment was framed entirely as an issue of Acker\u2019s permissive use of Smith\u2019s car by both parties. In response to a special interrogatory submitted by defendant Smith, the jury responded that Smith had given Acker permission, express or implied, to drive Smith\u2019s car at the time of the accident.\nSmith appealed, but judgment was not stayed pending appeal because Smith was unable to post a sufficient bond. Estates instituted garnishment proceedings against garnishee-appellee, State Farm Automobile Insurance Company (insurer), for the limit of Smith\u2019s liability policy, which provided coverage to others driving Smith\u2019s car with his permission.\nOn Smith\u2019s appeal, this court reversed the verdict against Smith, holding that the evidence so overwhelmingly favored Smith that no contrary verdict based on the evidence could ever stand as a matter of law. Insurer sought to recoup funds placed in escrow pending appeal in partial satisfaction of the judgment. The garnishment court granted insurer\u2019s motion and ordered the return of the funds to insurer, and estates now appeal that order asserting that, based on the jury\u2019s answer to Smith\u2019s special interrogatory, insurer remains bound to provide coverage to Acker despite this court\u2019s reversal of the verdict against Smith. We affirm the holding of the garnishment court.\nThe facts of this case have been thoroughly discussed by this court on two previous occasions. (See, e.g., Kosrow v. Acker (1989), 188 Ill. App. 3d 778.) Further, the facts are undisputed by the parties and not at issue on this appeal. However, the events which bring the parties yet again before this court are briefly summarized to provide the backdrop against which this appeal is considered.\nAcker used Smith\u2019s car and caused the accident that resulted in the deaths of the women whose estates now appeal. Estates sued both Acker, who admitted liability, and Smith on the theory of negligent entrustment. The jury found for estates, and against both Acker and Smith, including the special finding that Smith had expressly or implicitly given Acker permission to use Smith\u2019s car. At the close of the estates\u2019 case and again at the close of evidence, Smith sought a directed verdict. Again, in his post-trial motion, Smith asserted that the jury\u2019s verdict and special finding were against the manifest weight of the evidence and sought a judgment notwithstanding the verdict or, alternatively, a new trial. Smith appealed. We reversed, holding as a matter of law that the evidence so overwhelmingly favored Smith that no verdict for estates based on the evidence could ever stand and that the trial court should have granted Smith\u2019s motion for a directed verdict.\nInsurer had filed a declaratory judgment action before trial of the underlying case asserting two policy defenses. Insurer asserted that Acker, Smith\u2019s step-uncle, was not a relative within the meaning of the insurance policy. Because Smith had not given permission to Acker to operate the car, insurer further asserted that Acker was outside the policy\u2019s coverage of permissive users. The court ruled that Acker was not a relative, but dismissed without prejudice insurer\u2019s claim that no permission had been given as a fact question to be decided by the jury in the pending tort action.\nAfter a jury returned a verdict against Smith, insurer once again filed a declaratory judgment action based on its permissive use defense, which was dismissed with prejudice as estopped by the jury's verdict to the contrary. Insurer filed an appeal, which was later withdrawn without explanation.\nEstates assert that by reason of the jury\u2019s special finding, Acker became an insured within the coverage of insurer\u2019s policy and that our holding in Kosrow v. Acker (1989), 188 Ill. App. 3d 778, is not controlling because we did not explicitly overrule the special verdict, as well as additional arguments based on waiver and estoppel. Insurer responds that our determination that the evidence so overwhelmingly favored Smith that no contrary verdict could ever stand implicitly overruled the special finding.\nThe purpose of special findings is to test the general verdict against the determination of the jury as to specific issues of ultimate facts. (Sommese v. Maling Brothers, Inc. (1966), 36 Ill. 2d 263.) It is presumed the jury better understood the narrowly tailored issue presented in the special interrogatory, and the special verdict is, therefore, a more accurate reflection of the jury\u2019s determination. (First National Bank v. Szwankowski (1969), 109 Ill. App. 2d 268.) Thus, a special verdict overrides a general verdict to the extent of any clear and absolute inconsistency. (Turner v. Thompson (1981), 102 Ill. App. 3d 838; Ill. Rev. Stat. 1983, ch. 110, par. 2 \u2014 1108.) However, a consistent special verdict is meaningless and of no consequence. (Zitlaw v. Woszenzynski (1981), 102 Ill. App. 3d 804, 810; Brock v. Winton (1980), 82 Ill. App. 3d 1010, 1012.) When the special verdict is consistent with the general verdict, \u201c \u2018[t]he real question is whether there is sufficient evidence to support the general verdict.\u2019 \u201d (Zitlaw, 102 Ill. App. 3d at 810; quoting Brock, 82 Ill. App. 3d at 1012.) Thus, when a jury renders a special verdict consistent with its general verdict, the special verdict has no effect, and judgment is entered only on the general verdict.\nIn this instance, the jury\u2019s general verdict and special verdict were completely consistent. Thus, the special verdict was. without effect. The general verdict, including our decision in Kosrow (188 Ill. App. 3d 778) that the general verdict was so totally unsupported by the evidence so as to justify a directed verdict as a matter of law (see Merlo v. Public Service Co. (1942), 381 Ill. 300), controls the fact question of driver\u2019s permissive use of insured\u2019s car. Estates cannot, therefore, impose liability on insurer based on driver\u2019s permissive use of insured\u2019s car.\nThe garnishment court correctly held that our decision in Kosrow controlled and ordered the estates to return the funds paid by insurer in partial satisfaction of that reversed judgment. Therefore, we need not address estates\u2019 estoppel and waiver arguments based on the withdrawal of insurer\u2019s appeal of the dismissal of its declaratory judgment action.\nThe judgment of the circuit court of Lake County is affirmed.\nAffirmed.\nINGLIS and BOWMAN, JJ., concur.", "type": "majority", "author": "JUSTICE NICKELS" } ], "attorneys": [ "Robert J. Long, Marcia A. Korducki, and Mark B. Belokon, all of Law Offices of Robert J. Long, Ltd., of Antioch, for appellant Lillian Burrgess Kosrow.", "Peter Alfieri, Richard D. Heytow, and James A. Borrasso, all of Crystal & Heytow, of Chicago, for appellant Carl E. Robinson.", "Robin R. Lunn and Robert J. Schuckit, both of Keck, Mahin & Cate, of Chicago, for appellant Richard J. Byrne.", "James L. Rados and Robert 0. Duffy, both of Beverly, Pause, Duffy & O\u2019Malley, of Chicago, for appellee." ], "corrections": "", "head_matter": "LILLIAN BURRGESS KOSROW, Personal Adm\u2019r of the Estate of Mary Ann Hoffman, Deceased, et al., Plaintiffs-Appellants, v. RONALD S. ACKER et al., Defendants (State Farm Mutual Automobile Insurance Company, Garnishee-Appellee).\nSecond District\nNo. 2\u201490\u20140221\nOpinion filed February 6, 1991.\nRobert J. Long, Marcia A. Korducki, and Mark B. Belokon, all of Law Offices of Robert J. Long, Ltd., of Antioch, for appellant Lillian Burrgess Kosrow.\nPeter Alfieri, Richard D. Heytow, and James A. Borrasso, all of Crystal & Heytow, of Chicago, for appellant Carl E. Robinson.\nRobin R. Lunn and Robert J. Schuckit, both of Keck, Mahin & Cate, of Chicago, for appellant Richard J. Byrne.\nJames L. Rados and Robert 0. Duffy, both of Beverly, Pause, Duffy & O\u2019Malley, of Chicago, for appellee." }, "file_name": "0143-01", "first_page_order": 165, "last_page_order": 169 }