{ "id": 2964048, "name": "Betty Kelly, Plaintiff-Appellant, v. State Farm Mutual Automobile Insurance Co., Defendant-Appellee", "name_abbreviation": "Kelly v. State Farm Mutual Automobile Insurance", "decision_date": "1975-12-24", "docket_number": "No. 74-180", "first_page": "290", "last_page": "293", "citations": [ { "type": "official", "cite": "34 Ill. App. 3d 290" } ], "court": { "name_abbreviation": "Ill. App. Ct.", "id": 8837, "name": "Illinois Appellate Court" }, "jurisdiction": { "id": 29, "name_long": "Illinois", "name": "Ill." }, "cites_to": [ { "cite": "138 N.E. 194", "category": "reporters:state_regional", "reporter": "N.E.", "opinion_index": 0 }, { "cite": "306 Ill. 565", "category": "reporters:state", "reporter": "Ill.", "case_ids": [ 5780916 ], "opinion_index": 0, "case_paths": [ "/ill/306/0565-01" ] }, { "cite": "221 Ill.App. 75", "category": "reporters:state", "reporter": "Ill. App.", "case_ids": [ 8499288 ], "opinion_index": 0, "case_paths": [ "/ill-app/221/0075-01" ] } ], "analysis": { "cardinality": 370, "char_count": 5713, "ocr_confidence": 0.712, "pagerank": { "raw": 1.3503244502674704e-07, "percentile": 0.6332600858196752 }, "sha256": "e3cefb2b5934259f85248d6cd15894931de9be74cf9641f92112f0be67638397", "simhash": "1:a9ba4bbc22e694ba", "word_count": 917 }, "last_updated": "2023-07-14T14:50:26.295263+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "Betty Kelly, Plaintiff-Appellant, v. State Farm Mutual Automobile Insurance Co., Defendant-Appellee." ], "opinions": [ { "text": "Mr. JUSTICE STOUDER\ndelivered the opinion of the court:\nThis action was brought by Betty Kelly, plaintiff, against her automobile insurance carrier, State Farm Mutual Automobile Insurance Co., for the nonpayment of a claim made under the theft provision of her insurance policy. The case was submitted to the trial court on stipulated facts and exhibits; judgment was entered in favor of the defendant, and the plaintiff has taken this appeal.\nPlaintiff was insured under a contract of automobile insurance issued by State Farm. The insurance policy contained the following provision:\n\u201c(1) The Owned Motor Vehicle, To pay for loss to the owned motor vehicle EXCEPT LOSS CAUSED BY COLLISION but only for the amount of each such loss in excess of the deductible amount, if any, stated in the declarations as applicable thereto. The deductible amount shall not apply to loss caused by a fire or by a theft of the entire vehicle. Breakage of glass, or loss caused by missiles, falling objects, fire, theft, larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion or colliding with birds or animals shall not be deemed to be loss caused by collision.\u201d\nThe plaintiff had elected not to purchase collision coverage.\nThe record discloses that plaintiff permitted Thomas M. Thompson to use her car for one evening. Thompson was given the key to operate the vehicle. At that time Bill Schaeffer was with Thompson.\nThompson and Schaeffer consumed alcoholic beverages and then drove to Thompson\u2019s sister\u2019s house. From there, Thompson telephoned the plaintiff, and then Schaeffer asked plaintiff for permission to drive the car. Plaintiff stated that she told Schaeffer that he was not to use her car under any circumstances.\nAccording to Thompson, Schaeffer probably removed the keys to plaintiff\u2019 s car from Thompson\u2019s coat pocket while he slept. Schaeffer then took plaintiff\u2019s car and left the premises. Thompson never gave Schaeffer permission t-0 use the car.\nSchaeffer\u2019s intention has not been established, but it has been stipulated that if he were called to testify, he would state that he intended to drive to a tavern in Hanna City, Illinois and return the automobile and the keys to Thompson. While in possession of the automobile, Schaeffer was involved in an accident which damaged the car. Thompson did not know that the automobile was taken until after the accident had occurred. The trial judge found that after the accident in which the vehicle was demolished, Schaeffer \u201cran from the scene.\u201d\nOn this appeal the primary issue is whether the plaintiff\u2019s claim was covered by her insurance policy. More specifically, we must determine whether the above-described incident constitutes a \u201ctheft.\u201d\nDefendant relies upon Miller v. Phoenix Assurance Co., 221 Ill.App. 75, but since that case presented a limited definition of theft, we decline to follow it.\nWe believe the parties would reasonably expect the theft provision of an insurance policy to be construed, at least, in accordance with the definition set forth in the Criminal Code. (Ill. Rev. Stat. 1973, ch. 38, par. 16 \u2014 1.) Miller is consistent with this holding to the extent that it permits recovery upon proof of an intention to permanently deprive the insured of his property. Ill. Rev. Stat. 1973, ch. 38, par. 16 \u2014 1(d)(1).\nSection 16-1 provides two alternative forms of mental state which will support a conviction of theft: knowingly using, concealing or abandoning the property in such manner as to deprive the owner permanently of such use or benefit; and using, concealing, or abandoning the property knowing such use, concealment or abandonment probably will deprive the owner permanently of such use or benefit. (Ill. Rev. Stat. 1973, ch. 38, par. 16 \u2014 1(d)(2),(3).) To the degree that Miller would apparently deny recovery upon proof of either of these mental states, we decline to follow that holding.\nWe note that when Miller was decided, the crime of larceny required proof of felonious intent to deprive the owner of his property. (See, e.g., People v. Pastel, 306 Ill. 565, 138 N.E. 194.) Since that time the Criminal Code definition of theft has been made considerably broader. We therefore do not feel an unjust result is achieved by applying the Criminal Code definition in construing a theft provision of an insurance policy.\nIn the case at bar, the trial judge erred when he gave undue emphasis to Schaeffer\u2019s stipulated statement that he intended to return the automobile, without attaching any legal significance to the wreck of the automobile, its abandonment by Schaeffer, and Schaeffer\u2019s subsequent flight from the scene. Apparently, the trial judge applied Miller and not the Criminal Code definition of theft.\nWe believe that a consideration of all the facts in the instant appeal would permit a fact-finder to conclude that Schaeffer either knowingly used, concealed or abandoned the automobile in such manner as to deprive to insured permanently of such use or benefit; or that he used, concealed, or abandoned the automobile knowing such use, concealment or abandonment probably would deprive the insured of such use or benefit.\nFor the foregoing reasons, we reverse and remand this cause to the circuit court of Peoria County for further proceedings consistent with this opinion.\nReversed and remanded.\nSTENGEL and BARRY, JJ, concur.", "type": "majority", "author": "Mr. JUSTICE STOUDER" } ], "attorneys": [ "Robert L. Silberstein, of Peoria (Michael Heller, of counsel), for appellant.", "Westervelt, Johnson, Nicoll & Keller, of Peoria, (Roger Holzgrafe, of counsel), for appellee." ], "corrections": "", "head_matter": "Betty Kelly, Plaintiff-Appellant, v. State Farm Mutual Automobile Insurance Co., Defendant-Appellee.\n(No. 74-180;\nThird District\nDecember 24, 1975.\nRobert L. Silberstein, of Peoria (Michael Heller, of counsel), for appellant.\nWestervelt, Johnson, Nicoll & Keller, of Peoria, (Roger Holzgrafe, of counsel), for appellee." }, "file_name": "0290-01", "first_page_order": 316, "last_page_order": 319 }