State Farm Insurance Co. v. Williams ( 2020 )


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    2020 IL App (1st) 191659-U
    No. 1-19-1659
    December 31, 2020
    FIRST DIVISION
    NOTICE: This order was filed under Supreme Court Rule 23 and may not be cited as precedent by
    any party except in the limited circumstances allowed under Rule 23(e)(1).
    IN THE
    APPELLATE COURT OF ILLINOIS
    FIRST DISTRICT
    STATE FARM MUTUAL AUTOMOBILE                        )     Appeal from the Circuit Court
    INSURANCE COMPANY                                  )      Of Cook County.
    )
    Plaintiff-Appellant,                 )
    )      No. 2018 CH 007062
    v.                                   )
    )      The Honorable
    BOBBY WILLIAMS, JENNIFER MATJASKO,                 )      Sophia H. Hall
    and SAFECO INSURANCE COMPANY                       )      Judge Presiding.
    )
    Defendants-Appellees.                )
    PRESIDING JUSTICE WALKER delivered the judgment of the court.
    Justices Hyman and Pierce concurred in the judgment.
    ORDER
    ¶1        Held: We affirm the trial court’s decision to grant summary judgment in favor of defendant
    Safeco Insurance Company and deny State Farm Insurance Company’s motion for summary
    judgment and motion for reconsideration.
    ¶2        Defendant Bobby Williams was involved in an automobile-bicycle accident with defendant
    Jennifer Matjasko. Williams’s automobile insurer, Plaintiff State Farm Mutual Automobile
    Insurance Company (State Farm), filed a declaratory judgment action, seeking a declaration
    No. 1-19-1659
    that it had no duty to defend or indemnify Williams against Matjasko’s insurance claim and
    lawsuit because Williams breached the notice and cooperation clauses of his policy. State
    Farm’s complaint for declaratory judgment named Williams, Matjasko, and Safeco Insurance
    Company (Safeco), Matjasko’s automobile insurer, as defendants. State Farm and Safeco filed
    cross-motions for summary judgment. The trial court denied State Farm’s motion and granted
    Safeco’s motion. State Farm subsequently filed a motion for reconsideration, which was also
    denied. State Farm now appeals the trial court’s denial of its motion for summary judgment.
    For the following reasons, we affirm.
    ¶3                                           BACKGROUND
    ¶4         On November 1, 2016, Matjasko was riding her bicycle along Stony Island Avenue in
    Chicago when she was struck by a Ford vehicle with the license plate number L925320. The
    Chicago Police Department (“CPD”), Chicago Fire Department, and University of Chicago
    Police (“UCP”) responded to the accident. The CPD prepared the Illinois Crash Traffic Report
    (“Traffic Report”) and described the driver of the vehicle as a 50-year-old male with black
    hair, black t-shirt, gray pants, and a right-arm brace. The Traffic Report also indicated that the
    vehicle involved in the accident was registered to Williams. At the time of the accident, Safeco
    was the automobile insurer for Matjasko.
    ¶5         State Farm issued a policy of motor vehicle insurance to Williams for a 2016 Ford Taurus,
    license plate no. L925320, under policy no. D48 9452-F10-13. This policy included bodily
    injury liability coverage of $25,000 for each person and was in effect on November 1, 2016.
    The policy, provided in relevant part:
    INSURED’S DUTIES
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    No. 1-19-1659
    1. Notice to Us of an Accident or Loss
    The insured must give us or one of our agents notice of the accident or loss as soon
    as reasonably possible. The notice must give us:
    a. your name;
    b. the names and addresses of all persons involved in the accident or loss;
    c. the hour, date, place, and facts of the accident or loss; and
    d. the names and addresses of witnesses to the accident or loss.
    2. Notice to Us of a Claim or Lawsuit
    a. If a claim is made against an insured, then that insured must immediately send
    us every demand, notice, and claim received.
    b. If a lawsuit is filed against an insured, then that insured must immediately send
    us every summons and legal process received.
    3. Insured’s Duty to Cooperate With Us
    a. The insured must cooperate with us and, when asked, assist us in:
    (1) making settlements;
    (2) securing and giving evidence; and
    (3) attending, and getting witnesses to attend, depositions, hearings, and
    trials.
    ¶6         Williams never notified State Farm of the November 1, 2016 accident. State Farm became
    aware of the accident through a letter dated May 18, 2017 from the law firm of Kulwin,
    Masciopinto and Kulwin, the attorneys for Matjasko.
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    No. 1-19-1659
    ¶7           From the date of the accident through at least the time State Farm filed its complaint for
    declaratory judgment, Williams has resided at 1512 W. 62nd Street, Apt. 2, Chicago, Illinois,
    and his cell phone number has remained the same.
    ¶8           Upon learning of the accident, State Farm, through its claim representatives, made attempts
    to contact Williams by mail and by telephone to investigate the facts of the accident. On May
    18, 2017, State Farm sent Williams a letter stating a claim had been made under his insurance
    policy for the November 1, 2016 accident involving his 2016 Ford Taurus. On May 19, 2017,
    State Farm Claim Specialist Katrina Donaldson sent a letter to Williams stating she was unable
    to reach him by phone and requested he call State Farm to discuss the claim and the applicable
    coverage under his policy. Donaldson also attempted to contact Williams by phone beginning
    on May 18, 2017. Williams did not respond to either letter or Donaldson’s voicemails.
    ¶9           On May 30, 2017, Donaldson sent a third letter to Williams stating she needed to speak
    with him as part of State Farm’s investigation of the claim made against his policy. On June 7,
    2017, Donaldson sent a fourth letter to Williams regarding State Farm’s investigation into the
    November 1, 2016 accident. In the June 7, 2017 letter, State Farm notified Williams that based
    on its investigation, “we believe (you) Bobby Williams was [sic] liable for the accident. We
    will be extending the liability coverage of the policy in settling of the injuries [sic] related to
    this loss.” Williams did not respond to any of these letters.
    ¶ 10         On June 19, 2017, State Farm Team Manager Mike Shackelford sent a reservation of rights
    letter to Williams, which stated that State Farm may have no duty to pay, indemnify, defend,
    or otherwise perform under the policy because of his refusal to assist in State Farm’s
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    No. 1-19-1659
    investigation of the accident. The letter stated that it was questionable whether he complied
    with the provision of the policy requiring his assistance and cooperation.
    ¶ 11         On July 26, 2017, State Farm advised Matjasko’s attorney that it was denying liability. At
    the same time, State Farm noted internally that liability was being denied due to Williams’s
    non-cooperation.
    ¶ 12         On August 16, 2017, Matjasko filed suit in the circuit court of Cook County against
    Williams alleging that she was injured because of the Williams’s negligence in the operation
    of his vehicle. Matjasko’s complaint alleged that Williams was driving down Stony Island
    Avenue on November 1, 2016 when he struck Matjasko while she was riding her bicycle. The
    complaint further alleged that Matjasko suffered injuries as a result and sought damages from
    Williams for the injuries.
    ¶ 13         On October 4, 2017, Matjasko’s counsel advised State Farm that a lawsuit had been filed
    against Williams and service was effectuated. Williams was purportedly personally served
    with the summons and complaint on September 30, 2017. Williams never notified State Farm
    that he was served with summons or that he had been sued. That same day, Shackleford sent
    another reservation of rights letter to Williams. Both the June 19, 2017 and October 4, 2017,
    reservation of rights letters from State Farm were sent to Williams by certified mail but went
    unclaimed and were returned to State Farm. The October 4, 2017 letter, however, incorrectly
    listed Williams’s address as Apartment 1 instead of Apartment 2.
    ¶ 14         State Farm retained the law firm of Lewis, Brisbois, Bisgaard and Smith LLP (“Lewis law
    firm”) to defend Williams under a reservation of rights. In its October 11, 2017 letter retaining
    the Lewis law firm, State Farm advised it: (1) that it was a fact of the loss that Williams had
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    No. 1-19-1659
    struck Matjasko with his car; (2) that there were no unusual circumstances; and (3) that no
    further investigation was needed. Additionally, the letter incorrectly listed Williams’s address
    as Apartment 1.
    ¶ 15         On November 22, 2017, a State Farm claims investigator, Hector Ramos, traveled to the
    Williams’s address where he found and identified the 2016 Ford Taurus with license plate no.
    L925320. Ramos rang the doorbell for Williams’s apartment unit and was informed by an
    unidentified woman that Williams would come down to meet with the investigator. Ramos
    waited outside the apartment building for approximately an hour. While outside of Williams’s
    residence, Ramos twice called Williams’s cell phone, but both calls went unanswered.
    Williams never came to meet with Ramos. Ramos then left the October 4, 2017 reservation of
    rights letter with a handwritten note on the letter that read “PLEASE CALL US – Katrina
    Donaldson (844) 292-8615.” Ramos also left an October 17, 2017 letter that requested
    Williams call attorney Gabriel Judd of the Lewis law firm in Williams’s mailbox. Ramos also
    hung a “Let’s Connect” doorknob hanger on the outside of Williams’s apartment, which also
    directed Williams to call Donaldson.
    ¶ 16         On January 31, 2018, Judd sent a letter to Williams regarding written discovery. He
    requested that Williams contact him to discuss the discovery responses. On February 16, 2018,
    Judd sent another letter to Williams, with the caption “URGENT REQUEST – RESPONSE
    REQUIRED.” That letter also requested that Williams call Judd to complete his outstanding
    written discovery answers. On March 20, 2018, Judd again wrote to Williams. The March 20,
    2018 letter to Williams was captioned as “THIRD REQUEST – IMMEDIATE RESPONSE
    REQUIRED” and included the following warning:
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    No. 1-19-1659
    “Pursuant to the terms and conditions of your insurance policy, you are required to
    cooperate in the defense of your case. Your continued failure to cooperate and actively
    participate in your defense may result in a denial of coverage and leave you personally
    responsible for any potential judgment entered by the Court in this matter.”
    ¶ 17         The Lewis law firm hired a private investigator named Edward Sonne to personally hand-
    deliver the March 20, 2018 letter to Williams On March 20, 2018, Sonne attempted to deliver
    the letter, but Williams did not accept the letter. Sonne wrote a letter to Judd on March 21,
    2018, informing Judd that Williams lived “on the second floor, not the first floor.” Sonne also
    described Williams as “M/B 40/6’0”/245 right arm appeared to be in a cast.”
    ¶ 18         The Lewis law firm advised State Farm on multiple occasions that it attempted to
    communicate with Williams by telephone and mail, but Williams did not answer his cell phone,
    did not respond to voicemail messages, and did not respond to mail. The Lewis Law firm
    withdrew its appearance on behalf of Williams on June 28, 2018.
    ¶ 19         On June 4, 2018, State Farm filed its complaint for declaratory judgment. The complaint
    sought a declaration that State Farm owed no duty to defend or indemnify Williams against
    Matjasko’s claim arising from the November 1, 2016 accident because Williams violated the
    notice and cooperation provisions of his State Farm policy. State Farm named Williams,
    Matjasko, and Safeco, as defendants. Safeco was named because of its subrogation rights for
    both medical payments coverage and uninsured motorist coverage in the event Williams was
    declared to be uninsured.
    ¶ 20         On April 8, 2019, State Farm filed its motion for summary judgment. The motion was
    supported by affidavits from Donaldson, Ramos, Judd, and Sonne.
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    No. 1-19-1659
    ¶ 21         On April 30, 2019, Safeco filed a cross-motion for summary judgment. Safeco argued that
    State Farm failed to show that it was substantially prejudiced by Williams’s lack of
    cooperation, as it had not presented evidence of other attempts to investigate the November 1,
    2016 accident, and did not show that any adverse motions were granted, or discovery sanctions
    entered against Williams in the underlying matter before his defense attorneys withdrew from
    the case.
    ¶ 22         On May 17, 2019, at the conclusion of oral arguments, the trial court granted Safeco’s
    motion for summary judgment and denied State Farm’s motion for the same, finding that State
    Farm did not meet its burden in showing that it was substantially prejudiced by Williams’s
    lack of cooperation. The court determined that State Farm had other sources of investigating
    the November 1, 2016 accident, and that it had failed to show how it was substantially
    prejudiced in its defense of the underlying matter when it did not seek out information from
    other witnesses.
    ¶ 23         Following the trial court’s ruling, State Farm subpoenaed any reports that the University
    of Chicago police department would have made for the November 1, 2016 accident. State
    Farm’s attorneys learned, through their contact with the University of Chicago Department of
    Safety and Security, that no official report was ever made for the November 1, 2016 accident
    by the UCP officers who were on scene following the accident. However, through their
    subpoena, counsel for State Farm received dispatch notes for the November 1, 2016 accident.
    This dispatch record indicated that no named eyewitnesses to the accident existed.
    ¶ 24         The record states that “Allied Barton” called in the accident. “Allied Barton” is Allied
    Barton Security Services, now known as Allied Universal Security Systems, which is the
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    No. 1-19-1659
    security service contracted by University of Chicago for its Campus Safety Division. The
    narrative on the second page of the record states that Matjasko “was struck by a blue Ford
    Stratus” but does not identify Williams as being the driver of the vehicle. No description of the
    driver was provided.
    ¶ 25         State Farm subsequently filed a motion for reconsideration, arguing that the trial court
    misapplied the law when it granted Safeco’s motion for summary judgment and denied State
    Farm’s motion for summary judgment.
    ¶ 26         Safeco opposed State Farm’s request for reconsideration, arguing that the information
    obtained from the UCP had been available to State Farm prior to the motions for summary
    judgment. Therefore, State Farm could not base a motion for reconsideration on that
    information. The trial court denied State Farm’s motion for reconsideration on August 7, 2019.
    ¶ 27         This timely appeal followed.
    ¶ 28                                             ANALYSIS
    ¶ 29         On appeal, State Farm argues that the trial court erred in denying its motion for summary
    judgment because Williams breached the notice and cooperation clauses in his State Farm
    policy. State Farm contends the trial court’s decision was inconsistent with established
    precedent and public policy and placed an extreme burden on State Farm to prove substantial
    prejudice while excusing Williams’s failure to abide by his insurance policy. State Farm also
    argues that because Williams is uninsured, Matjasko is entitled to uninsured motorist coverage
    with Safeco.
    ¶ 30         Summary judgment is proper where the pleadings, depositions, admissions, and affidavits
    on file establish that there is no genuine issue of material fact and the moving party is entitled
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    No. 1-19-1659
    to judgment as a matter of law. Travelers Property Casualty Company of America v.
    ArcelorMittal USA Inc., 
    2019 IL App (1st) 180129
    , ¶ 11. Our function is to determine whether
    the trial court correctly found that no genuine issue of material fact existed and whether it
    correctly granted summary judgment in defendants’ favor and denied plaintiff’s motion for
    summary judgment. Morningside North Apartments I, LLC v. 1000 N. LaSalle, LLC, 
    2017 IL App (1st) 162274
    , ¶ 10. “It is the trial court's judgment and not its reasoning that is on appeal.”
    
    Id.
    ¶ 31            “When parties file cross-motions for summary judgment, they agree that only a question
    of law is involved and invite the court to decide the issues based on the record.” Pielet v.
    Pielet, 
    2012 IL 112064
     ¶ 28. The appellate court reviews a grant of summary judgment de
    novo. Bankers Life & Cas. Co. v. Am. Senior Benefits LLC, 
    2017 IL App (1st) 160687
    , ¶ 13.
    ¶ 32            The construction of an insurance policy and a determination of the rights and obligations
    thereunder are questions of law that are appropriate subjects for summary judgment. Crum &
    Forster Managers Corp. v. Resolution Tr. Corp., 
    156 Ill. 2d 384
    , 391 (1993). “In construing
    an insurance policy, the primary function of the court is to ascertain and enforce the intentions
    of the parties as expressed in the agreement.” 
    Id. at 391
    . To ascertain the meaning of the
    policy's words, the court must view the policy as a whole, taking into account the type of
    insurance purchased, the risk undertaken, and the overall purpose of the contract. AMCO
    Insurance Co. v. Erie Insurance Exchange, 
    2016 IL App (1st) 142660
    , ¶ 20.
    ¶ 33            The first basis for State Farm’s requested denial of coverage is Williams’s failure to comply
    with the notice requirements of his policy. Williams’s policy required him to give State Farm
    or one of its agents notice of an accident or loss as soon as reasonably possible. The purpose
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    No. 1-19-1659
    of a notice requirement is to enable the insurer to timely investigate and defend claims against
    its insured. Zurich Ins. Co. v. Walsh Const. Co. of Illinois, Inc., 
    352 Ill. App. 3d 504
    , 508
    (2004). “The notice provisions are not merely technical requirements but, rather, conditions
    precedent to the triggering of the insurer's contractual duties.” 
    Id.
     Thus, an insurer may be
    justified in denying coverage to an insured who fails to comply with the notice provision
    contained in the insurance policy. 
    Id.
    ¶ 34         Here, Williams never notified State Farm of the November 1, 2016 accident. State Farm
    received notice of the accident on May 18, 2017 from Matjasko’s counsel. However, lack of
    notice by the insured to the insurer is not dispositive of this issue. The notice requirement can
    be satisfied if an insurer receives actual notice of an accident or claim from a party other than
    the insured, such as the claimant. West Am. Ins. Co. v. Yorkville Nat’l Bank, 
    238 Ill. 2d 177
    ,
    189 (2010). Actual notice exists where an insurer “has sufficient information to locate and
    defend the suit.” 
    Id. at 190
    . State Farm does not dispute that it received actual notice from
    Matjasko’s counsel on May 18, 2017. Hence, the issue is whether the actual notice was timely.
    ¶ 35         Illinois courts have established a multi-factor test to determine whether the notice to an
    insurer is timely. Country Mut. Ins. Co. v. Livorsi Marine, Inc., 
    222 Ill. 2d 303
    , 313 (2006).
    These factors include prejudice to the insurer resulting from the delay, “the specific language
    of the policy’s notice provision, the insured’s sophistication in commerce and insurance
    matters, the insured’s awareness of an event which may trigger insurance coverage, and the
    insured’s diligence in ascertaining whether policy coverage is available.” 
    Id.
     Three of these
    factors involve the insured’s state of mind and since Williams never provided notice, those
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    No. 1-19-1659
    factors are inapplicable here. Therefore, whether actual notice was timely depends on any
    prejudice to State Farm and the specific language of Williams’s policy.
    ¶ 36         There is a “strong public policy in favor of coverage.” Cincinnati Cos v. W. Am. Ins. Co.,
    
    183 Ill. 2d 317
    , 323 (1998). State Farm received notice on May 18, 2017, and prior to the filing
    of the underlying litigation. State Farm was able to hire the Lewis law firm, which filed an
    appearance, filed a responsive pleading, and took steps toward conducting discovery. The
    language in State Farm’s policy states that “[t]he insured must give us or one of our agents
    notice of the accident or loss as soon as reasonably possible.” Illinois courts have interpreted
    the similar phrases to mean “within a reasonable amount of time.” West Am. Ins. Co, 238 Ill.
    2d at 185 (interpreting “soon as practicable” to must be given “within a reasonable time”).
    ¶ 37         Whether an insurer has received timely notice depends on the circumstances of each case.
    County Mut. Ins. Co., Inc. 222 Ill.2d at 311 (2006). State Farm failed to substantiate that the
    actual notice was untimely. State Farm had a right to be notified within a reasonable time and
    they were notified six months after the accident and three months before Matjasko filed her
    complaint. There is no specific language in Williams’s policy requiring notice within a certain
    period, and lack of prejudice was a crucial factor in this case because State Farm did not
    demonstrate that the timing of the notice precluded any action State Farm would have taken if
    it were notified months earlier. In fact, in its October 11, 2017 letter retaining Defense Counsel,
    State Farm stated that “there were no unusual circumstances, and no further investigation was
    needed.”
    ¶ 38         In West American, our supreme court found the insurer was required to provide coverage
    for a defamation claim under a commercial general liability police where the insured provided
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    No. 1-19-1659
    written notice 27-months after the claim arose. The supreme court found that the insurer had
    actual notice of the lawsuit because it had “sufficient information to locate and defend the suit.”
    West American, 238 Ill. 2d at 190. Given the facts and circumstances in the case sub judice,
    State Farm’s actual notice was reasonable.
    ¶ 39         The second basis for State Farm’s requested denial of coverage is Williams’s failure to
    comply with the cooperation clause of his policy. A cooperation clause enables an insurer to
    prepare its defense to a claim and prevents collusion between the insured and injured party.
    Founders Ins. Co. v. Shaikh, 
    405 Ill. App. 3d 367
    , 374 (2010). To establish a breach of the
    cooperation clause, the insurer must show that it exercised a reasonable degree of diligence in
    seeking the insured’s participation and that the insured’s failure to participate was due to a
    refusal to cooperate. American Access Cas. Co. v. Alassouli, 
    2015 IL App (1st) 141413
    , ¶ 17.
    Additionally, the insured’s refusal to cooperate must be wilful. United Automobile Insurance
    Co. v. Buckley, 
    2011 IL App (1st) 103666
    , ¶ 27. However, for an insurer to be relieved of its
    contractual obligations under the policy, it must show that the insured's refusal to cooperate in
    its investigation caused the insurer substantial prejudice. Alassouli, 
    2015 IL App (1st) 141413
    ,
    ¶ 18. “Proof of substantial prejudice requires an insurer to demonstrate that it was actually
    hampered in its defense by the violation of the cooperation clause.” M.F.A. Mutual Insurance
    Co. v. Cheek, 
    66 Ill. 2d 492
    , 500 (1977).
    ¶ 40         State Farm argues that it exercised a reasonable degree of diligence in seeking Williams’s
    participation and its denial was due to his refusal to cooperate. State Farm’s efforts at contact
    included the retention of a private investigator to contact Williams in person, a visit to
    Williams’s residence by Ramos, multiple letters to Williams from Donaldson and Shackelford,
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    No. 1-19-1659
    State Farm employees, and Judd, the attorney retained to represent Williams, and multiple
    unanswered phone calls and voice mail messages to Williams’s cell phone.
    ¶ 41         However, State Farm’s claim file demonstrated that it was aware Williams had not received
    its June 19, 2017 reservation of rights letter as he did not sign for it. Additionally, State Farm’s
    October 4, 2017 reservation of rights letter was incorrectly addressed to Apartment 1, instead
    of Apartment 2. As a result, that letter was not delivered and returned to State Farm on
    December 12, 2017. There is no evidence in the record that State Farm attempted contact with
    Williams after November 2017. Instead, all further attempts at contact appear to have been
    made by Judd of the Lewis law firm. However, State Farm’s letter retaining the law firm
    provided the incorrect address for Williams. Subsequently, Judd’s January, February, and
    March 2018 letters all contained the incorrect address. Judd learned of this error on March 21,
    2018 after Sonne informed him that Williams resided at Apartment 2. However, there is no
    evidence that Judd or anyone from the law firm attempted to contact Williams again.
    ¶ 42         It cannot be determined if Williams received any of the incorrectly addressed letters.
    However, Ramos left the October 4, 2017 letter with a handwritten note urging Williams to
    call Donaldson and an October 17, 2017 letter requesting Williams to contact the Lewis law
    firm in Williams’s mailbox. Therefore, Williams likely received those letters. However, there
    is no evidence that Williams ever received Judd’s January and February letters. Sonne’s only
    attempted to deliver Judd’s March 2018 letter.
    ¶ 43         State Farm argues that Williams’s refusal to cooperate caused State Farm substantial
    prejudice prejudiced because it could not adequately conduct a defense due to the lack of
    cooperation. However, in its June 7, 2017 letter, State Farm notified Williams that based on its
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    No. 1-19-1659
    independent investigation, it believed Williams was liable and would extend liability coverage.
    In its retention letter, State Farm advised the Lewis law firm that no further investigation was
    needed and there were no unusual circumstances in this case. No facts or circumstances
    changed between the June 7, 2017 letter and State Farm’s filing for declaratory judgment in
    June 2018 other than Williams’s refusal to cooperate.
    ¶ 44         State Farm next argues that because there were no other witnesses to the accident, it could
    not conduct an adequate defense without interviewing Williams. However, State Farm failed
    to explore other possible avenues for information outside of Williams. State Farm could have
    deposed Matjasko, subpoenaed and deposed Matjasko’s medical providers, and interviewed
    and deposed the first responders who assisted Matjasko after the accident. State Farm
    performed none of these actions prior to seeking declaratory judgment. As a result, its
    determination that this case was impossible to defend without Williams’s cooperation was
    premature. See Buckley, 
    2011 IL App (1st) 103666
    , ¶ 53 (finding no substantial prejudice
    where insurer did not show it was dependent upon its insured for a full and complete disclosure
    of the facts or for preparation of a defense). Therefore, State Farm did not suffer substantial
    prejudice due to Williams’s refusal to cooperate and the trial court did not err in granting of
    summary judgment in favor of Safeco.
    ¶ 45                                           CONCLUSION
    ¶ 46         For the foregoing reasons, the judgment of the trial court is affirmed.
    ¶ 47         Affirmed.
    15
    

Document Info

Docket Number: 1-19-1659

Filed Date: 12/31/2020

Precedential Status: Non-Precedential

Modified Date: 7/30/2024