Horace Mann Insurance v. Brown

603 N.E.2d 760, 236 Ill. App. 3d 456, 177 Ill. Dec. 690, 1992 Ill. App. LEXIS 1667
CourtAppellate Court of Illinois
DecidedOctober 13, 1992
Docket1-91-0061
StatusPublished
Cited by18 cases

This text of 603 N.E.2d 760 (Horace Mann Insurance v. Brown) 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
Horace Mann Insurance v. Brown, 603 N.E.2d 760, 236 Ill. App. 3d 456, 177 Ill. Dec. 690, 1992 Ill. App. LEXIS 1667 (Ill. Ct. App. 1992).

Opinion

JUSTICE O’CONNOR

delivered the opinion of the court:

On December 6, 1985, a car driven by defendant Robert Brown collided with another automobile on Lake Shore Drive in Chicago. As a result of the accident, a passenger in the other car, Robert Ring, was killed, and the car’s two other occupants, Frank Navarro and Kathy Vasilakos, received injuries. At the time of the collision, the car which Robert was driving was owned by Robert’s father, Hamilton, and was insured under an automobile insurance policy issued by plaintiff, Horace Mann Insurance Company.

Representatives of Ring, along with Vasilakos and Navarro, also defendants in this action, subsequently submitted claims to plaintiff and filed a civil suit in the circuit court for damages arising from Robert’s operation of Hamilton’s car. Plaintiff denied that Robert was covered under Hamilton’s policy because Robert had taken the car without Hamilton’s permission and because Robert did not live with Hamilton. 1 To that end, plaintiff instituted a declaratory judgment action against defendants in the circuit court. Defendants denied the allegations, and the circuit court conducted a trial on the coverage issue, where it ultimately determined that plaintiff was not obligated, under the terms of an automobile insurance policy issued by it, to defend Robert in the lawsuit arising from the accident. Defendants appeal.

We affirm.

At the trial, Hamilton testified that he resided at 8619 South Creiger, in Chicago. Robert, his adopted son, had lived there with his parents until approximately 1982. Robert visited his parents on a monthly basis and usually remained only for dinner. He seldom stayed overnight at the house.

On the evening of December 5, 1985, Robert visited his parents’ home and stayed there for approximately three hours. Hamilton never saw Robert leave the house. He first noticed that Robert was gone when he discovered that the back door was unlocked and that the car was missing. He checked his jacket pocket for the car keys. They, too, had disappeared. Hamilton never, at any time during the evening, gave Robert permission to take the car.

Later in the early morning hours of December 6, 1985, two police officers came to the house and informed Hamilton that his automobile was involved in an accident. Still later that morning, Hamilton received a telephone call from a police officer regarding the accident. He denied telling the officer anything about Robert nor did he report his car as having been stolen. Hamilton did not recall receiving any other calls from police that morning. He denied telling police that he had allowed Robert to use the automobile and that Robert had “not yet returned home.” Hamilton did not call police to report the car stolen because he did not want Robert “to get into trouble just for that.” He stated that he believed Robert would return the car “at least sometime that night.”

On December 11, 1985, Hamilton submitted a claim for property damage to plaintiff. The property loss form, signed by both Robert and Hamilton, was submitted into evidence by defendants. On the form, Hamilton had noted that Robert had taken the car for “pleasure.” He also had checked the box which indicated that Robert’s address was the “same as owner.” Hamilton explained that he had checked that box because he wanted any mail regarding the accident to be sent to his house and because he did not know where Robert was living at the time.

Defendants also presented the testimony of Chicago police officer Ralph Wesolek, in the form of his deposition transcript. In the deposition, Wesolek, reading from his police report of the incident, stated that he investigated the accident at issue with his partner, William Smith. According to Wesolek, either he or Smith conducted a telephone interview with Hamilton in which Hamilton stated that Robert had permission to use the car and that he had not yet returned home. Wesolek could not recall who had spoken to Hamilton. Wesolek stated that he typed the report in question with the aid of his partner.

Chicago police officer William Smith’s deposition testimony mirrored Wesolek’s. Smith was also unable to recall who had spoken to Hamilton. During the investigation, Smith took handwritten notes, which were later transcribed onto the report at issue. Smith stated that, at times, he would have to interpret the handwritten notes for the transcriber. He did not know who had transcribed his notes in the Brown investigation.

Plaintiff objected to the use of the deposition testimony to introduce the contents of the police report. The circuit court admitted the testimony for purposes of impeachment, but refused to admit the testimony as substantive evidence. Specifically, the court noted that the past recollection recorded exception to the hearsay rule requires that the declarant have personal knowledge of the contents of the report. The officers had no personal knowledge of Robert’s use of the automobile or his place of residence and had to rely solely on the statement of Hamilton Brown. Moreover, the court noted, there was no showing as to how the person who made the report gathered the hearsay information, which could have been passed from one officer to the other since neither officer knew who actually had spoken to Hamilton on the phone.

Finally, Chicago police officer Arthur Godfrey testified on behalf on defendants. Godfrey was assigned to investigate the accident after police learned a suspect had turned himself in at a third district police station. Godfrey stated that during his interview with Robert, Robert admitted leaving the scene of the accident. Godfrey asked Robert standard “booking” questions such as name, height, weight, date of birth, and address. Godfrey stated that, normally, this type of information is obtained from a suspect’s driver’s license, but since Robert did not have a driver’s license, Godfrey had to elicit the information from Robert himself. In response to his questions, Robert told Godfrey his address was 8619 South Creiger. Godfrey, however, had no personal knowledge of where Robert lived prior to the accident and did not conduct any follow-up investigation to confirm the address.

At the conclusion of Godfrey’s testimony, the circuit court struck the evidence, ruling that it could not be used as a declaration against plaintiff because the statement was not made by any agent of plaintiff. The court further ruled that any statement by Robert as to his address was not part of his inculpatory speech. The court also ruled that Godfrey’s testimony lacked the requisite indicia of reliability and could not be admitted as substantive evidence and the testimony as to Robert’s statements could not be used to impeach Hamilton.

Following closing arguments, the circuit court determined that Robert did not live with Hamilton at the time of the accident and that Hamilton did not give his son permission to use the car. The court accepted Hamilton’s reasons for not reporting his car as stolen to the police and believed that those reasons were adequate to explain away any contradictory statements which may have been given to the police. Accordingly, the court entered judgment for plaintiff on both counts of its complaint for declaratory judgment.

I

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Cite This Page — Counsel Stack

Bluebook (online)
603 N.E.2d 760, 236 Ill. App. 3d 456, 177 Ill. Dec. 690, 1992 Ill. App. LEXIS 1667, Counsel Stack Legal Research, https://law.counselstack.com/opinion/horace-mann-insurance-v-brown-illappct-1992.