Allstate Insurance v. Kovar

842 N.E.2d 1268, 363 Ill. App. 3d 493, 299 Ill. Dec. 916
CourtAppellate Court of Illinois
DecidedFebruary 1, 2006
Docket2-05-0060, 2-05-0410 cons.
StatusPublished
Cited by50 cases

This text of 842 N.E.2d 1268 (Allstate Insurance v. Kovar) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Allstate Insurance v. Kovar, 842 N.E.2d 1268, 363 Ill. App. 3d 493, 299 Ill. Dec. 916 (Ill. Ct. App. 2006).

Opinion

JUSTICE McLAREN

delivered the opinion of the court:

In American Family Mutual Insurance Co. v. Savickas, 193 Ill. 2d 378 (2000), the Illinois Supreme Court held that a conviction of first degree murder estopped parties to a subsequent civil suit from claiming that the shooting underlying the conviction was unintentional. The questions before us are whether Savickas applies when (1) there is no factual basis on which to conclude that the issue presented in the civil suit is identical to the issue decided in the criminal case; and, in any event, (2) there was no incentive to fully litigate the issue in the criminal case. The trial court found that it did, and accordingly it granted summary judgment to plaintiff, Allstate Insurance Company. Defendants — Antonio G. Estephan, Daniel Kovar, and the Estate of Christopher B. Kovar — appeal that decision. We reverse and remand.

I. BACKGROUND

The evidence before the trial court was as follows. Estephan filed a complaint against, among others, William A. Eckert, Daniel Kovar, and the estate of Christopher Kovar, alleging that one of them had negligently waved a sharp object near Estephan, cutting him. 1 Alternatively, Estephan alleged that either Eckert or Daniel had negligently pushed Christopher into Estephan and that, as a result, Estephan was cut by a sharp object that Christopher was holding.

All of the parties to Estephan’s suit were teenagers at the time of the incident. According to the complaint, Eckert and the Kovars were standing in front of the home of Eckert’s stepfather when Estephan drove by. Eckert called out and Estephan stopped. Eckert and the Kovars, all of whom were intoxicated, approached Estephan’s car. They were loud and argumentative. Soon, Estephan, Eckert, and the Kovars were pushing and shoving. Estephan claimed that Eckert and the Kovars initiated the pushing and shoving; then one of them produced a sharp object. Because of negligence, Estephan was cut.

The Kovars are covered by a homeowner’s policy issued by Allstate. Pursuant to the policy, Allstate appointed counsel to represent the Kovars in Estephan’s suit against them. However, Allstate later filed a complaint for declaratory judgment, arguing that an exclusion that it had written into the policy relieved Allstate of its obligation to defend and indemnify the Kovars. That exclusion states that injuries “intended by, or which may reasonably be expected to result from the intentional or criminal acts or omissions of, any insured person” are not covered by the policy. Allstate then filed a motion for summary judgment in which it argued that there was no genuine issue of material fact as to whether what happened to Estephan was excluded from coverage.

Allstate filed only three items in support of its motion. One of these was Estephan’s complaint (which alleged negligence). The other two were a copy of the applicable insurance policy and a copy of a court order. The court order showed that Daniel had pleaded guilty to battery and been sentenced to one year of court supervision. 2 But it did not recite any of the facts underlying his plea. For example, it did not state when the alleged battery occurred. Nor did it mention what the battery had consisted of. Nevertheless, Allstate argued that, based on this order, the acts that led to Estephan’s injury fell within the policy’s exclusion. In support of its position, Allstate noted that Illinois courts — including the supreme court in Savickas — have held that, when a policy excludes intentional acts, and an insured has been convicted of a crime involving intentional conduct, the exclusion applies. Allstate did not mention that these courts have held this only when the facts underlying the criminal conviction are the same as the facts underlying the civil suit.

The trial court granted Allstate’s motion. In doing so, the court reasoned that the policy excluded intentional acts and criminal acts, that Daniel had pleaded guilty to battery, and that therefore the policy exclusion applied. The court further reasoned that battery involves an intentional act and that “the natural and ordinary consequences of intentionally or knowingly waving a sharp object in the vicinity of an individual is that that individual will be injured.” Thus, the court concluded that, because of the conviction, Savickas mandated a finding that there was no genuine issue of material fact, and accordingly it granted summary judgment. The court did not explain how, in light of a complete absence of evidence on the subject, it concluded that Daniel’s battery conviction involved intentionally or knowingly waving a sharp object.

Estephan and the Kovars filed a motion to reconsider. In support of their motion, they attached a transcript of a deposition Daniel had given in Estephan’s civil suit. In that deposition, Daniel had testified that, on the night of the incident, his brother Eckert and he had been at a friend’s house watching television. They arrived around nine in the evening and stayed for a few hours. During that time, Christopher and Eckert drank some beer, but Daniel did not recall how much, although he did say that, based on the amount of beer at the house, it could not have been a lot. He also said that neither Eckert nor Christopher was intoxicated.

Around midnight, Daniel, Christopher, and Eckert left and went to the home of Eckert’s stepfather. When they arrived there, Eckert went inside to use the bathroom, and Daniel and Christopher stayed outside. Shortly after Eckert went inside, a car sped by. No one shouted anything toward the car, which disappeared around a corner at the end of the street.

Moments later, however, the car reappeared. It reversed back up the length of the street and stopped in front of the home of Eckert’s stepfather. Daniel said he thought the car reversed because the driver “wanted to start a fight.” When the car stopped in front of Daniel and Christopher, Daniel saw that there were three people in the car. The driver, Estephan, asked Daniel and Christopher if they “ha[d] a death wish.” Daniel asked Estephan if he was talking to him. By this time, Eckert had returned from his trip to the bathroom. He said he knew Estephan and told Daniel not to worry.

Eckert, Daniel, and Christopher approached Estephan’s car. Eckert told Estephan that Christopher and Daniel were his friends and told Estephan to relax. He asked Estephan what he was up to and Estephan said “nothing.” Estephan said that he had been doing fine until “these punks” — referring to Christopher and Daniel — “started shit.” While Eckert leaned toward the car and talked to Estephan, Christopher stood to Eckert’s right and Daniel rested his hand on the frame of the driver’s-side door.

Although Eckert tried to calm Estephan down, Estephan continued his “verbal[ ] assault.” At some point, Estephan grabbed Daniel’s hand and yelled “[g]et him.” One of Estephan’s passengers kicked his door open and stood up. Daniel broke Estephan’s grip and backed away. As he did, Estephan’s passenger hurled an open beer bottle at Daniel’s head. The bottle missed Daniel, but it splashed beer on his clothes. Meanwhile, Estephan got out of his car and Daniel saw that Estephan was bleeding. Daniel did not see what had caused the bleeding.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

In re Marriage of Hainds
2025 IL App (4th) 250454-U (Appellate Court of Illinois, 2025)
Progressive Universal Insurance Co. v. Lonsdale
2024 IL App (5th) 231170-U (Appellate Court of Illinois, 2024)
People v. Reyes
2023 IL App (1st) 211497-U (Appellate Court of Illinois, 2023)
Zalewski v. Witek
2023 IL App (1st) 221079-U (Appellate Court of Illinois, 2023)
Professional Solutions Insurance Co. v. Karuparthy
2023 IL App (4th) 220409 (Appellate Court of Illinois, 2023)
People v. Brunzelle
2023 IL App (1st) 211106-U (Appellate Court of Illinois, 2023)
Erie Insurance Co. v. Gibbs
2023 IL App (3d) 220143 (Appellate Court of Illinois, 2023)
Whitmore v. Joy Auto Tire Repair
2022 IL App (1st) 210348-U (Appellate Court of Illinois, 2022)
Springbrook Partners, LLC v. Konewko & Associates, Ltd.
2021 IL App (2d) 190776-U (Appellate Court of Illinois, 2021)
In re L.K.
2019 IL App (1st) 163156 (Appellate Court of Illinois, 2020)
Goldman v. Kalish
2020 IL App (1st) 190754-U (Appellate Court of Illinois, 2020)
People v. Simmons
2019 IL App (1st) 191253 (Appellate Court of Illinois, 2019)
Motorola Solutions, Inc. v. Zurich Insurance Co.
2017 IL App (1st) 161465 (Appellate Court of Illinois, 2017)
State Farm Fire & Casualty Co. v. John
2017 IL App (2d) 170193 (Appellate Court of Illinois, 2017)

Cite This Page — Counsel Stack

Bluebook (online)
842 N.E.2d 1268, 363 Ill. App. 3d 493, 299 Ill. Dec. 916, Counsel Stack Legal Research, https://law.counselstack.com/opinion/allstate-insurance-v-kovar-illappct-2006.