{ "id": 349582, "name": "FARMERS AUTOMOBILE INSURANCE ASSOCIATION, Plaintiff-Counter-defendant-Appellant, v. COUNTRY MUTUAL INSURANCE COMPANY, Defendant and Counterplaintiff-Appellee (Helen S. Vance, as Ex'x of the Estate of Wilfred E. Vance, Deceased, Defendant-Counterdefendant; Lloyd T. Eyre et al., Defendants); FARMERS AUTOMOBILE INSURANCE ASSOCIATION, Plaintiff-Counterdefendant, v. HELEN S. VANCE, as Ex'x of the Estate of Wilfred E. Vance, Deceased, Defendant and Counter-defendant-Appellant (Lloyd T. Eyre et al., Defendants; Country Mutual Insurance Company, Defendant and Counterplaintiff-Appellee)", "name_abbreviation": "Farmers Automobile Insurance v. Country Mutual Insurance", "decision_date": "2000-01-07", "docket_number": "Nos. 4\u201499\u20140340, 4\u201499\u20140350 cons.", "first_page": "694", "last_page": "701", "citations": [ { "type": "official", "cite": "309 Ill. App. 3d 694" } ], "court": { "name_abbreviation": "Ill. App. Ct.", "id": 8837, "name": "Illinois Appellate Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "491 N.E.2d 432", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "year": 1985, "pin_cites": [ { "page": "436-37" }, { "page": "436-37" } ], "opinion_index": 0 }, { "cite": "140 Ill. App. 3d 1079", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 3530970 ], "weight": 2, "year": 1985, "pin_cites": [ { "page": "1085-86" }, { "page": "1085-86" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/140/1079-01" ] }, { "cite": "710 N.E.2d 1228", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1999, "pin_cites": [ { "page": "1232" } ], "opinion_index": 0 }, { "cite": "186 Ill. 2d 367", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 243901 ], "year": 1999, "pin_cites": [ { "page": "374" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/186/0367-01" ] }, { "cite": "538 N.E.2d 732", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "year": 1989, "pin_cites": [ { "page": "737", "parenthetical": "\"We specifically disagree with the trial court that the determinative factor here was the purpose for which the vehicle was [actually] used\"" }, { "page": "737-38" } ], "opinion_index": 0 }, { "cite": "182 Ill. App. 3d 898", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2621397 ], "weight": 2, "year": 1989, "pin_cites": [ { "page": "906", "parenthetical": "\"We specifically disagree with the trial court that the determinative factor here was the purpose for which the vehicle was [actually] used\"" }, { "page": "906" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/182/0898-01" ] }, { "cite": "552 N.E.2d 254", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1989, "pin_cites": [ { "page": "256" } ], "opinion_index": 0 }, { "cite": "194 Ill. App. 3d 888", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 8499426 ], "year": 1989, "pin_cites": [ { "page": "891-92" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/194/0888-01" ] }, { "cite": "710 N.E.2d 132", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1999, "pin_cites": [ { "page": "138-39" } ], "opinion_index": 0 }, { "cite": "304 Ill. App. 3d 734", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 564607 ], "year": 1999, "pin_cites": [ { "page": "742-43" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/304/0734-01" ] }, { "cite": "620 N.E.2d 1073", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "year": 1993, "pin_cites": [ { "page": "1079" }, { "page": "1077" } ], "opinion_index": 0 }, { "cite": "156 Ill. 2d 384", "category": "reporters:state", "reporter": "Ill. 2d", "case_ids": [ 777543 ], "weight": 2, "year": 1993, "pin_cites": [ { "page": "393" }, { "page": "391" } ], "opinion_index": 0, "case_paths": [ "/ill-2d/156/0384-01" ] }, { "cite": "559 N.E.2d 17", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1990, "pin_cites": [ { "page": "18" } ], "opinion_index": 0 }, { "cite": "201 Ill. App. 3d 351", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 2593606 ], "year": 1990, "pin_cites": [ { "page": "353" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/201/0351-01" ] }, { "cite": "707 N.E.2d 1259", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "year": 1999, "pin_cites": [ { "page": "1261-62" }, { "page": "1262" } ], "opinion_index": 0 }, { "cite": "303 Ill. App. 3d 639", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 511429 ], "weight": 2, "year": 1999, "pin_cites": [ { "page": "642" }, { "page": "642" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/303/0639-01" ] }, { "cite": "710 N.E.2d 556", "category": "reporters:state_regional", "reporter": "N.E.2d", "weight": 2, "year": 1999, "pin_cites": [ { "page": "558" }, { "page": "558" } ], "opinion_index": 0 }, { "cite": "304 Ill. App. 3d 422", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 564605 ], "weight": 2, "year": 1999, "pin_cites": [ { "page": "423" }, { "page": "423" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/304/0422-01" ] }, { "cite": "711 N.E.2d 1227", "category": "reporters:state_regional", "reporter": "N.E.2d", "year": 1999, "pin_cites": [ { "page": "1229" } ], "opinion_index": 0 }, { "cite": "305 Ill. App. 3d 417", "category": "reporters:state", "reporter": "Ill. App. 3d", "case_ids": [ 1208114 ], "year": 1999, "pin_cites": [ { "page": "419" } ], "opinion_index": 0, "case_paths": [ "/ill-app-3d/305/0417-01" ] } ], "analysis": { "cardinality": 840, "char_count": 17409, "ocr_confidence": 0.785, "pagerank": { "raw": 1.0395495394544153e-07, "percentile": 0.5503892311868376 }, "sha256": "01da50485f60684e41c4f3174af55d7eb18b0e7dc47955a86f2e3940b52aefd8", "simhash": "1:5221b58258661700", "word_count": 2737 }, "last_updated": "2023-07-14T20:36:09.526568+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "FARMERS AUTOMOBILE INSURANCE ASSOCIATION, Plaintiff-Counter-defendant-Appellant, v. COUNTRY MUTUAL INSURANCE COMPANY, Defendant and Counterplaintiff-Appellee (Helen S. Vance, as Ex\u2019x of the Estate of Wilfred E. Vance, Deceased, Defendant-Counterdefendant; Lloyd T. Eyre et al., Defendants).\u2014FARMERS AUTOMOBILE INSURANCE ASSOCIATION, Plaintiff-Counterdefendant, v. HELEN S. VANCE, as Ex\u2019x of the Estate of Wilfred E. Vance, Deceased, Defendant and Counter-defendant-Appellant (Lloyd T. Eyre et al., Defendants; Country Mutual Insurance Company, Defendant and Counterplaintiff-Appellee)." ], "opinions": [ { "text": "JUSTICE STEIGMANN\ndelivered the opinion of the court:\nIn July 1998, plaintiff, the Farmers Automobile Insurance Association (Farmers), filed an amended complaint for declaratory judgment regarding (1) its duty, if any, to defend Wilfred E. Vance, the decedent of defendant Helen S. Vance, and Wilfred\u2019s son, Dennis Vance, in two tort suits, and (2) the duty of defendant Country Mutual Insurance Company (Country) to defend the Vances in those same two suits. In November 1998, Country filed a counterclaim for declaratory judgment regarding its duty of coverage. Defendants Lloyd T. Eyre (No. 97 \u2014 L\u20146) and Janet F. Lindauer, who appears individually and as special administratrix of the estate of her husband, Robert Lindauer (No. 97 \u2014 L\u201411), are the plaintiffs in the underlying litigation, which involves an automobile collision allegedly caused by Wilfred\u2019s negligence. At the time of the occurrence, Wilfred was driving Dennis\u2019 grain truck in conjunction with Dennis\u2019 farm operation; Farmers provided Wilfred with an automobile liability insurance policy (auto policy), and Country provided Dennis with a farm liability poliqy (farm policy).\nIn March 1999, the trial court granted summary judgment in Country\u2019s favor, concluding that an exclusion in the farm policy for claims arising out of the ownership or use of a motor vehicle (hereinafter motor vehicle exclusion) applied. Wilfred appeals (No. 4 \u2014 99\u2014 0350), and Farmers appeals separately (No. 4 \u2014 99\u20140340). Both argue that the court erred in entering summary judgment in Country\u2019s favor. We reverse and remand.\nI. BACKGROUND\nThe allegations of the underlying tort actions are simple. In October 1996, Wilfred was operating Dennis\u2019 1972 International Loadstar 1600 grain truck on a two-lane public highway, with a trailer full of grain in tow. Wilfred was stopped, waiting to turn off the highway to unload at a grain elevator. Lloyd was driving his car on the same highway and approached Wilfred from behind. Janet and Robert were in another car heading toward the intersection from the opposite direction on the same road. Because Dennis\u2019 grain truck and trailer were not properly lit or otherwise marked for safe operation on a public highway, Lloyd did not see them in time to stop, and he swerved into the Lindauers\u2019 lane, causing substantial injury to all involved except Wilfred.\nIn early 1997, Lloyd sued Wilfred and Dennis (No. 97 \u2014 L\u20146), alleging negligence. Janet and Robert made similar allegations in a separate suit (No. 97 \u2014 L\u201411). Wilfred and Dennis tendered their defenses to Farmers and Country.\nIn July 1997, Farmers filed its complaint for declaratory judgment, naming only Wilfred, Lloyd, and Janet as defendants. (The court later allowed Farmers to substitute Janet with Janet in both her individual capacity and as special administratrix of Robert\u2019s estate. The record does not reflect when or how Robert died.) In July 1998, Farmers amended its complaint, added Country as a defendant, and claimed that the farm policy provided primary coverage for Lloyd and Janet\u2019s suits.\nIn November 1998, Country counterclaimed, claiming it had no duty to defend Dennis or Wilfred because the policy\u2019s motor vehicle exclusion applied. The first page of the farm policy Country issued to Dennis states the following:\n\u201cEverything about this policy has been designed with you, the policyholder, in mind \u2014 from its organization to the easy-to-understand language, and special section of defined words. Please observe that all words in boldface type throughout the policy have special insurance definitions.\u201d (Emphasis added.)\nThe motor vehicle exclusion provides, in relevant part, as follows:\n\u201cCoverages *** do not apply to bodily injury or property damage:\n* * *\n[A]rising from the ownership, maintenance, operation, use, loading or unloading of *** any motor vehicle *** which an insured owns, rents, or operates.\u201d\nThe policy defines the term \u201cmotor vehicle\u201d as follows:\n\u201cMotor Vehicle means a motorized land vehicle, trailer, or semitrailer designed principally for travel on public roads. *** [T]he following are also considered motor vehicles when they are\nbeing towed by or carried on a motor vehicle:\n1 ***.\nJ-. ,\n2. farm implements;\n3. farm machinery;\n4. ***;\n5. any equipment which is designed for use principally off public roads, and not licensed for road use.\u201d\nIn December 1998, Farmers and Country filed cross-motions for summary judgment. Neither insurer attached any additional exhibits to its motions; both relied on the pleadings and exhibits attached thereto.\nIn January 1999, Wilfred filed a memorandum in opposition to both insurance companies\u2019 motions for summary judgment. In an attached affidavit, Dennis stated the following: (1) the grain truck was sold only through farm implement and International Harvester truck dealers; (2) Dennis used the truck exclusively for farm operations; (3) the truck\u2019s maximum speeds were (a) 35 miles per hour when hauling or (b) 45 miles per hour empty; those speeds were possible only by exceeding the maximum recommended tachometer setting; and (4) the truck \u201cwas not designed principally for travel on public roads, but instead for use in farming operations and limited travel on public roads for the transportation of grain and farm materials.\u201d Dennis attached to his affidavit several International Harvester advertisements, which portrayed the truck as being well-suited for farm field work.\nCountry filed a responsive brief and attached the declaration page from an automotive insurance policy issued to Dennis. That declaration page showed that Dennis purchased automobile insurance for a 1972 International \u201cfarm truck,\u201d with the following notation: \u201cNot-for hire over 1 ton, light, 0-50 mile radius, low.\u201d The remainder of the policy is not part of the record.\nIn March 1999, the trial court granted Country\u2019s motion for summary judgment and denied Farmers\u2019 cross-motion. Farmers filed notice of appeal (No. 4 \u2014 99\u20140340), and Wilfred filed a separate notice of appeal (No. 4 \u2014 99\u20140350). We consolidated these two appeals. In October 1999, Wilfred died. We allowed Helen, as administratrix of Wilfred\u2019s estate, to substitute for Wilfred as a party in this appeal.\nII. MOTOR VEHICLE EXCLUSION\nHelen and Farmers argue that the trial court erred by granting Country\u2019s motion for summary judgment. We agree.\nSummary judgment is appropriate only when the pleadings, depositions, admissions, and affidavits (1) fail to establish a genuine question of material fact (Pekin Insurance Co. v. State Farm Mutual Automobile Insurance Co., 305 Ill. App. 3d 417, 419, 711 N.E.2d 1227, 1229 (1999)) and (2) show that the moving party is entitled to judgment as a matter of law. 735 ILCS 5/2 \u2014 1005(c) (West 1998). Accordingly, two questions are presented on review from an order granting summary judgment. The first is whether any genuine issues of material fact remain. The second is whether the trial court correctly interpreted the law. McDonald v. Prudential Property & Casualty Co., 304 Ill. App. 3d 422, 423, 710 N.E.2d 556, 558 (1999). We review these questions de novo. Pekin Insurance Co. v. Estate of Goben, 303 Ill. App. 3d 639, 642, 707 N.E.2d 1259, 1261-62 (1999).\nInsurance contracts must be construed and enforced so as to give effect to the parties\u2019 intent as expressed in the language of the document. Goben, 303 Ill. App. 3d at 642, 707 N.E.2d at 1262. When a policy includes a section with definitions, a court should enforce the definitions as stated in the policy, and the court\u2019s duty to apply the policy definitions is particularly strong when the definitions in the policy deviate from ordinary usage. Filip v. North River Insurance Co., 201 Ill. App. 3d 351, 353, 559 N.E.2d 17, 18 (1990); see also McDonald, 304 Ill. App. 3d at 423, 710 N.E.2d at 558.\nWhen determining whether an insurance provider has a duty to defend its insured in a lawsuit, a court should generally apply an \u201ceight corners rule\u201d \u2014 that is, the court should compare the four corners of the underlying complaint with the four corners of the insurance contract and determine whether the facts alleged in the underlying complaint fall within, or potentially within, the insurance policy\u2019s coverage. Crum & Forster Managers Corp. v. Resolution Trust Corp., 156 Ill. 2d 384, 393, 620 N.E.2d 1073, 1079 (1993). When this procedure involves only legal issues, disposition by summary judgment is appropriate. Crum, 156 Ill. 2d at 391, 620 N.E.2d at 1077. However, in cases where the insurer\u2019s duty to defend is based on factual matters that cannot be determined by examining the underlying complaint, the trial court can hear evidence and make factual findings as long as they have no bearing upon the issues in the underlying litigation. Fremont Compensation Insurance Co. v. Ace-Chicago Great Dane Corp., 304 Ill. App. 3d 734, 742-43, 710 N.E.2d 132, 138-39 (1999); Millers Mutual Insurance Ass\u2019n v. Ainsworth Seed Co., 194 Ill. App. 3d 888, 891-92, 552 N.E.2d 254, 256 (1989).\nIn this case, Country\u2019s duty to defend Dennis and Wilfred depends on whether Dennis\u2019 grain truck is a \u201cmotor vehicle\u201d as that term is defined in Country\u2019s farm policy. The policy defines \u201cmotor vehicle,\u201d in pertinent part, as a motorized land vehicle \u201cdesigned principally for travel on public roads.\u201d Resolving the question of whether the grain truck was so \u201cdesigned\u201d cannot be done by studying the allegations in Lloyd and Janet\u2019s complaints against Wilfred and Dennis. Further, resolving this question of fact will have no bearing on the issues in the underlying litigation. Thus, this question of fact, which remains unresolved, should have precluded summary judgment.\nThe relevant language of the farm policy required the trial court to determine what the grain truck was \u201cprincipally\u201d designed to do. This determination does not require the court to consider the truck\u2019s actual use or whether and how it was registered, licensed, or insured. See Rockford Mutual Insurance Co. v. Schuppner, 182 Ill. App. 3d 898, 906, 538 N.E.2d 732, 737 (1989) (\u201cWe specifically disagree with the trial court that the determinative factor here was the purpose for which the vehicle was [actually] used\u201d). Instead, the court must focus on what International Harvester, as manufacturer of the truck, intended \u2014 that is, did International Harvester design this grain truck \u201cprincipally for travel on public roads\u201d? The grain truck either did or did not fall within the farm policy\u2019s definition of a motor vehicle as it left the plant, and nothing that subsequently occurred has any bearing on what the truck\u2019s manufacturer principally designed it to do.\nWe recognize that this is a peculiar inquiry and that it raises difficult questions, such as, who can competently testify regarding the intent of a large corporate manufacturer, like International Harvester? Nevertheless, this is the inquiry required by the language Country chose to employ, despite numerous alternative possibilities. For example, Country could have defined a motor vehicle as a motorized land vehicle (a) licensed for road use, (b) insured under an automotive policy, or (c) physically capable of traveling on public roads. In fact, these are the factors Country now contends that the courts should consider in determining whether the grain truck is a motor vehicle under its policy. In fairness, Country should not be permitted to define \u201cmotor vehicle\u201d in its policy and admonish its policyholders to pay special attention to its \u201cspecial insurance definitions,\u201d and then employ another (albeit simpler and more straightforward) definition when it is in Country\u2019s best interest to do so.\nWe view Rockford, the only other published opinion in Illinois discussing similar insurance policy language, as limited to its facts. In Rockford, the appellate court decided that \u201can ordinary, basic *** Chevrolet [pickup] truck\u201d was designed principally for travel on public roads. Rockford, 182 Ill. App. 3d at 906, 538 N.E.2d at 737-38. Although for reasons we have already explained, we might have decided Rockford differently, we understand how the Rockford court might have concluded that a pickup truck that is commonly seen on the public highways, mass produced, and driven by many different types of people in different capacities is designed principally for use oil the public roads without further inquiring into the manufacturer\u2019s intent. This case, however, involves a truck that was built by a specialty manufacturer for a special purpose. What that purpose was remains unresolved.\nCountry attempts an appeal to \u201ccommon sense,\u201d pointing out that the farm policy Country provided Dennis contemplated losses related to farming, not traffic accidents. The problem with Country\u2019s argument is that once a piece of equipment meets the policy\u2019s definition of a motor vehicle, claims arising from its operation, use, maintenance, loading, or unloading will fall under the exclusion- without regard to whether the claim arises from an accident on a public highway or in the farmer\u2019s field. At oral argument, Country conceded that if the motor vehicle exclusion applies here, it would also apply to a farming accident involving the same grain truck somewhere off the public highway. We decline to decide this case based on the mere coincidence that it involves a traffic accident. Instead, the policy language must govern, however cumbersome its application.\nOur conclusion that a material issue of fact remains follows from the forgoing discussion. The trial court had no competent evidence from which it could conclude whether the grain truck met the farm policy\u2019s definition of a motor vehicle. Most of the material presented to the court related to how Dennis actually used the truck in his farming operation. The only materials that were even marginally relevant to the question at hand were Dennis\u2019 descriptions of the truck\u2019s design limitations. Those suggest that the truck had limited utility on the road and therefore may have been designed with some off-road purpose in mind as its principal use. However relevant, that information alone was not sufficient to determine the grain truck\u2019s principal purpose so as to warrant summary judgment in favor of Farmers.\nAccordingly, we conclude that the trial court erred in granting summary judgment in Country\u2019s favor.\nIn so concluding, we reject the other grounds Farmers and Wilfred have raised for reversal \u2014 specifically, that (1) Country is estopped from raising this policy defense; and (2) Lloyd and Janet\u2019s complaints allege acts of negligence falling outside the motor vehicle exclusion. Regarding the first argument, Country correctly points out that our supreme court has held that an insurer is not estopped from asserting policy defenses if it files a declaratory judgment action prior to judgment in the underlying suit. State Farm Fire & Casualty Co. v. Martin, 186 Ill. 2d 367, 374, 710 N.E.2d 1228, 1232 (1999). Here, Country filed its counterclaim in November 1998, and nothing in the record suggests that the underlying tort claims against Dennis and Wilfred were resolved prior to that time.\nIn their remaining argument, Farmers and Wilfred rely on Louis Marsch, Inc. v. Pekin Insurance Co., 140 Ill. App. 3d 1079, 1085-86, 491 N.E.2d 432, 436-37 (1985), in which the appellate court construed a general liability insurance policy\u2019s automobile exclusion similar to the motor vehicle exclusion involved in this case. The Louis Marsch court concluded that negligent conduct unrelated to the operation of a motor vehicle falls outside the exclusion, even if a motor vehicle ultimately is the instrument causing injury. Louis Marsch, 140 Ill. App. 3d at 1085-86, 491 N.E.2d at 436-37. In this case, Lloyd and Janet have alleged numerous negligent acts, but each involves the standard of care that operators of motor vehicles or other mobile equipment on a public highway must exercise for the safety of others. In other words, all of the allegations involve conduct that will fall squarely within the motor vehicle exclusion if, on remand, the grain truck is found to be a \u201cmotor vehicle,\u201d as that term is defined in the farm policy.\nIII. CONCLUSION\nFor the reasons stated, we reverse the trial court\u2019s judgment and remand for further proceedings consistent with the views expressed herein.\nReversed and remanded.\nMYERSCOUGH and KNECHT, JJ., concur.", "type": "majority", "author": "JUSTICE STEIGMANN" } ], "attorneys": [ "Robert Marc Chemers and Amy E. Johnson (argued), both of Pretzel & Stouffer, Chartered, of Chicago, for appellant Farmers Automobile Insurance Association.", "Robert G. Kirchner (argued), of Lerner & Kirchner, of Champaign, for appellant Helen S. Vance.", "Keith G. Carlson and Bruce L. Carmen (argued), both of Kilgallon & Carlson, of Chicago, for appellee." ], "corrections": "", "head_matter": "FARMERS AUTOMOBILE INSURANCE ASSOCIATION, Plaintiff-Counter-defendant-Appellant, v. COUNTRY MUTUAL INSURANCE COMPANY, Defendant and Counterplaintiff-Appellee (Helen S. Vance, as Ex\u2019x of the Estate of Wilfred E. Vance, Deceased, Defendant-Counterdefendant; Lloyd T. Eyre et al., Defendants).\u2014FARMERS AUTOMOBILE INSURANCE ASSOCIATION, Plaintiff-Counterdefendant, v. HELEN S. VANCE, as Ex\u2019x of the Estate of Wilfred E. Vance, Deceased, Defendant and Counter-defendant-Appellant (Lloyd T. Eyre et al., Defendants; Country Mutual Insurance Company, Defendant and Counterplaintiff-Appellee).\nFourth District\nNos. 4\u201499\u20140340, 4\u201499\u20140350 cons.\nArgued November 17, 1999\nOpinion filed January 7, 2000.\nRobert Marc Chemers and Amy E. Johnson (argued), both of Pretzel & Stouffer, Chartered, of Chicago, for appellant Farmers Automobile Insurance Association.\nRobert G. Kirchner (argued), of Lerner & Kirchner, of Champaign, for appellant Helen S. Vance.\nKeith G. Carlson and Bruce L. Carmen (argued), both of Kilgallon & Carlson, of Chicago, for appellee." }, "file_name": "0694-01", "first_page_order": 714, "last_page_order": 721 }