NOTICE: This order was filed under Supreme Court Rule 23 and is not precedent except in the limited circumstances allowed under Rule 23(e)(1).
2025 IL App (3d) 240358-U
Order filed August 4, 2025 ____________________________________________________________________________
IN THE
APPELLATE COURT OF ILLINOIS
THIRD DISTRICT
PEKIN INSURANCE COMPANY, ) Appeal from the Circuit Court ) of the 12th Judicial Circuit, Plaintiff-Appellee, ) Will County, Illinois, ) v. ) ) MICHELLE RYDZEWSKI, as the Administratrix ) of the Estate of ELECTRA ROUMELIOTIS, ) Deceased, and BENJAMIN GRAUNKE, ) ) Defendants, ) ) (Benjamin Graunke, Defendant-Appellant). ) _________________________________________ ) ) Appeal No. 3-24-0358 PROGRESSIVE NORTHERN INSURANCE ) Circuit No. 21-MR-1861 COMPANY, ) ) Intervenor-Counter-Plaintiff-Appellee, ) ) v. ) ) MICHELLE RYDZEWSKI, as the Administratrix ) of the Estate of ELECTRA ROUMELIOTIS, ) Deceased, and BENJAMIN GRAUNKE, ) ) Counter-Defendants, ) ) Honorable (Benjamin Graunke, Counter-Defendant- ) John C. Anderson, Appellant). ) Judge, Presiding. ____________________________________________________________________________
JUSTICE DAVENPORT delivered the judgment of the court. Justices Holdridge and Bertani concurred in the judgment. ____________________________________________________________________________
ORDER
¶1 Held: The circuit court erred in granting summary judgment to auto insurance companies. Genuine issues of material fact existed as to (1) whether at-fault driver’s vehicle use was permissive and (2) whether the driver was a resident relative under her stepfather’s insurance policy. Reversed and remanded.
¶2 A single-vehicle rollover accident resulted in the driver’s death and injuries to the
passenger, Benjamin Graunke, who later obtained a money judgment against the driver’s estate.
Plaintiff, Pekin Insurance Company (Pekin), and intervenor, Progressive Northern Insurance
Company (Progressive) sued the driver’s estate and Graunke (defendants), seeking a declaratory
judgment that the estate was not entitled to coverage. The circuit court entered summary judgment
in favor of Pekin and Progressive, finding the driver was a nonpermissive user of the vehicle.
Because genuine issues of material fact exist, we reverse and remand the cause for further
proceedings.
¶3 I. BACKGROUND
¶4 On July 18, 2017, Electra Roumeliotis died after she lost control of a sports vehicle leased
to Mito’s Euro Design, Inc. (MED). Electra’s sole passenger, Graunke, survived the accident.
Milos Sopko, MED’s owner, had delivered the vehicle to the home of Electra’s mother, Michelle
Rydzewski (Michelle), hours before the accident. MED’s vehicles were insured under a Pekin-
issued policy; and Electra’s name was included in a policy Progressive had issued to her stepfather,
Lawrence Rydzewski (Lawrence).
¶5 A. Underlying Action
2 ¶6 In April 2018, Graunke sued (1) Michelle, as the administrator of Electra’s estate (Estate),
and (2) MED. Graunke alleged Electra negligently injured him, both in her individual capacity and
as MED’s agent. In particular, he alleged Electra drove off the roadway at an excessive speed and
struck a fire hydrant, causing the vehicle to roll over and injure him. He further alleged MED
negligently entrusted the vehicle to Electra when it knew or should have known that she was
intoxicated and incompetent to drive the vehicle. Both Pekin and Progressive defended the Estate
under a reservation of rights.
¶7 The trial court granted summary judgment in favor of MED, and the case proceeded to a
trial against the Estate. In January 2023, Graunke was awarded a $330,118.57 judgment against
the Estate.
¶8 B. Current Action
¶9 1. Pekin’s Complaint
¶ 10 In July 2021, Pekin filed a declaratory judgment action against Graunke and the Estate,
alleging it owed no duty to defend the Estate under MED’s business auto insurance policy.
¶ 11 The policy’s liability section states that Pekin “will pay all sums the insured legally must
pay as damages because of bodily injury *** caused by an accident and resulting from the *** use
of a covered auto.” The policy’s omnibus provision expands the definition of “insured” to include
anyone using a covered auto with the named insured’s permission (with exceptions that do not
apply here).
¶ 12 Pekin does not dispute that the vehicle involved in the accident, a Lexus RC F, was a
“covered auto.” It alleges, however, that Electra was not an insured under the policy, because
MED’s owner, Sopko, never permitted her to use the Lexus.
¶ 13 2. Progressive’s Crossclaim
3 ¶ 14 In March 2023, the circuit court allowed Progressive to intervene. See 735 ILCS 5/2-408
(West 2022). Progressive filed a crossclaim for declaratory judgment against Graunke and the
Estate, alleging it owed no coverage under Lawrence’s auto insurance policy.
¶ 15 The policy generally requires Progressive to “pay damages for bodily injury *** for which
an insured person becomes legally responsible because of an accident.” Its definition of “insured
person” includes a “relative” involved in an automobile accident. A “relative,” in turn, is defined
as a person (1) “related to you by blood, marriage or adoption,” including a stepchild, and
(2) “residing in the same household as you”; if temporarily away from home, unmarried dependent
children “qualify as a relative if they intend to continue to reside in your household.” The policy
defines “you” and “your” as the named insured, and includes the named insured’s spouse “if
residing in the same household at the time of the loss.”
¶ 16 The insuring agreement provides, “Your policy consists of the policy contract, your
insurance application, the declarations page, and all endorsements to this policy.” The declarations
page designates Lawrence as the named insured; it lists Lawrence, Michelle, and Electra as
“drivers and resident relatives”; it lists a Range Rover and a BMW 230 as covered autos; and it
notes that a premium discount was applied due to Electra’s status as a distant student. The policy
was renewed on May 31, 2017, and indicates Michelle requested on that date a change in coverage
on the Range Rover, and to swap out a Kia Soul for a BMW 230.
¶ 17 Initially, the crossclaim provided only one basis for excluding coverage—that Electra was
a nonpermissive driver of a noncovered vehicle. The policy expressly excludes coverage for bodily
injury arising out of the use of a noncovered vehicle without the permission of “the owner of the
vehicle or the person in lawful possession of the vehicle.” Progressive later amended its crossclaim
4 to add a second basis—that Electra was not a resident relative under the policy because she did not
reside with either parent, particularly Lawrence, for several months before the accident.
¶ 18 3. Motions for Summary Judgment
¶ 19 In August 2023, Pekin and Progressive moved separately for summary judgment (735
ILCS 5/2-1005 (West 2022)). Pekin argued it owed no coverage to the Estate because the
undisputed facts showed Sopko did not permit Electra to drive the Lexus. Progressive argued it
owed no coverage because Electra was not a permissive user and was not a resident relative of
Lawrence at the time of the accident.
¶ 20 Pekin’s motion attached the deposition transcripts of Michelle, Sopko, Jacqueline Milton,
Graunke, Athena Roumeliotis (Athena), and Chris Allen. Progressive’s motion attached the
deposition transcripts of Michelle and Sopko. Only Athena and Allen were deposed in the current
action; the remaining were deposed in the underlying action. The deponents testified as follows.
¶ 21 a. Michelle Rydzewski
¶ 22 Michelle is Electra’s and Athena’s mother. On Milton’s recommendation, she contacted
Sopko’s company, MED, for remodeling work at her new home. MED started work in early June
2017. She also began dating Sopko sometime in June 2017.
¶ 23 On July 17, 2017, Michelle hosted dinner at her home. In attendance were Sopko, Milton,
Electra, Graunke, Athena, and Athena’s boyfriend. At dinner, Athena and Electra argued over who
would drive the Range Rover, the only car available to them at the house. One of the sisters had to
go to class the next day and the other had work. Athena’s car was at college; and only two cars, an
Audi R8 and a Range Rover, were at the house. The Audi R8 was Michelle’s car, and she forbade
her children from driving it. Additionally, her children were not allowed to drive Lawrence’s
5 Maserati. The Maserati was not at the house, however, because Michelle was in the process of
divorcing Lawrence at the time.
¶ 24 Sopko said he had an extra car and offered it because “we were short of a car.” On hearing
Sopko’s offer, Athena told him she did not want or need the car. Electra did not say anything,
however, so Sopko decided to bring the car. Sopko went home and returned with the Lexus. He
left its keys on the kitchen island, and Michelle parked the Lexus in the garage. Sopko never said
Electra could not use the car.
¶ 25 After dinner, Electra and her friends took the Range Rover to go bowling. Michelle
instructed her to return the car early. Michelle explained, “She had to go home. She works in the
city.” At the time of the accident, “Electra had her own place, her own apartment.” She had moved
out of Michelle’s home in December 2016 and was living in Chicago with a roommate.
¶ 26 Michelle drove Sopko to his house and stayed there awhile, along with Milton. When she
returned home later that evening, the Range Rover was back and the Lexus was gone. Michelle
was not concerned, however, “because the car was left for them to use.” Sopko did not place a
limitation on what the vehicle could be used for “because we knew we were going to be out a
vehicle for a while.”
¶ 27 b. Milos Sopko
¶ 28 Sopko owns MED, an interior design and construction company. Michelle was initially an
MED client but soon became Sopko’s friend. Sopko did not date her, however; the relationship
was platonic. Although he still considers himself Michelle’s friend, he no longer spends time with
her. After the accident, Michelle “got back together with her ex-husband, and they are trying to
straighten out their life.”
6 ¶ 29 On the eve of the accident, Sopko went to Michelle’s home for dinner and brought his
company-leased Lexus for Athena to use. Michelle had previously mentioned that Athena needed
a car to get around, and he offered to help. He believed Athena only needed a car for the weekend,
because she was returning to school. He left the keys in a cupholder and told Athena where he left
them. Athena later told him she picked up the keys and placed them somewhere in the house.
¶ 30 Sopko did not tell Michelle that Electra could not use the Lexus. He may have mentioned
at dinner that Electra was not allowed to drive the Lexus, but he is not “100 percent certain.” After
dinner, as he was leaving through the garage, he was met by Electra and Graunke admiring the
Lexus and asking questions about its top speed. In that moment, he specifically told Electra she
could not touch the Lexus. Milton was also present and would have heard the comment directed
at Electra. Sopko did not think Electra was a “very good driver” and noted that, at the time of the
accident, Electra’s car was getting fixed because she had wrecked it.
¶ 31 c. Jacqueline Milton
¶ 32 Milton was a friend to both Michelle and Sopko, but she had known Sopko longer. On July
17, 2017, Michelle hosted a dinner at her new home “as a thank you to us for helping her, you
know, with family and friends there.” Michelle was separated from Lawrence at the time but has
since reconciled with him.
¶ 33 Sopko did not say Electra could not use the Lexus, but he did say it was for Athena. When
Athena heard the Lexus was a nice car, Athena said, “[M]aybe I don’t want to drive that then.”
Sopko responded, “You’re a good driver; you should be okay.” Sopko walked to the garage to
show them the Lexus. Milton could not recall who accompanied Sopko to the garage. Later, either
Sopko or Michelle said they placed the keys in “a pot or jar or something.”
7 ¶ 34 Milton was asked if she recalled why Sopko had brought over the Lexus. She testified,
“[H]e was bringing it to be used because—I can’t remember. I think it was Athena’s car needed
repair or was broken down and everyone else was using their cars so I believe that’s why he
brought it over.”
¶ 35 Milton was also asked whether Sopko brought the Lexus for just one of the sisters or
generally for the family to use. She testified, “[I]f he says you could drive his car, anyone could
drive his car. He’s that kind of person. But I believe he was bringing it for Athena at the time
because she didn’t have her car available and all the others were taken up.” Milton was unsure
whether Athena was a student or working at the time.
¶ 36 Electra and Graunke left in the Range Rover after dinner. Later that evening, Michelle
called Electra and instructed her to return the Range Rover; Michelle did not want a “crowd of
people sitting in her car.”
¶ 37 Electra was a good driver, and there was no conversation suggesting otherwise. After the
accident, Michelle and Sopko did not tell Milton that Electra was not supposed to have used the
Lexus.
¶ 38 d. Benjamin Graunke
¶ 39 Graunke was Electra’s friend from high school. He spent “[m]aybe a couple days” at
Electra’s apartment in Chicago before he went with her to Michelle’s home in Plainfield for dinner.
Electra drove a Range Rover, Michelle’s car, which he believed was the car Electra regularly
drove. After dinner, Electra, Graunke, and two of their friends went to an arcade/bowling alley.
Electra drove them in the Range Rover and, upon their return to Michelle’s house, the two friends
left.
8 ¶ 40 Electra and Graunke saw the Lexus in the garage and the keys hanging on the coat rack in
the laundry room. They mutually decided to take the Lexus for a ride around the block, ultimately
leading to the accident. Graunke presumed the Lexus had been there for more than a day before
the accident “because Athena’s car was in the shop and she was using [the Lexus].”
¶ 41 Graunke did not know precisely who was supposed to use the Lexus. He believed Sopko
had left the Lexus “for them to use” after Athena’s car had broken down. Nothing was said at
dinner about who could or could not drive the Lexus. Graunke did not ask Sopko for permission
to use the Lexus, nor did he hear Electra ask for permission to use the Lexus. Nobody told him
Electra was not supposed to use the Lexus.
¶ 42 e. Athena Roumeliotis
¶ 43 At the time of the accident, Athena was a student at the University of Arizona. In late June
2017, she came home for the summer after having spent some time studying abroad in Italy. She
was living at Michelle’s house, and Electra “was living in the city in her own place.” Athena was
supposed to return to Arizona at “the end of July, beginning of August.”
¶ 44 Electra met Sopko for the first time at the July 17 dinner. Sopko and Michelle were dating
at the time, but Athena did not approve of the relationship. At dinner, Athena and Electra were
arguing about who would use Michelle’s car because they were short of a car. Athena’s car was
“close to college,” and the car Electra typically drove, a BMW, was in the repair shop after a “kind
of a fender bender, not anything too serious.”
¶ 45 Sopko said “he was going to bring his car over for us to use.” Athena responded, “No, no
don’t bring the car[.] We’ll figure it out ourselves.” But Sopko insisted on bringing the car.
9 ¶ 46 Sopko did not designate Athena as the Lexus’s intended user. Nor did he expressly allow
Electra to drive the Lexus. “He never specifically said, you or you. It was kind of all general, the
car is for you guys to use.”
¶ 47 Athena had no intention of driving the Lexus and never took possession of its keys. Sopko
tried to give her the keys but she did not accept them, telling him she did not want them. Athena
believed Sopko placed the keys on the kitchen counter. Because Athena did not approve of Sopko’s
relationship with Michelle, she “just wasn’t interested in borrowing anything from him.”
¶ 48 Athena agreed Electra seemed like “a good competent driver.” Both Athena and Electra
were allowed to drive Michelle’s Audi R8. They were also allowed to drive Lawrence’s Maserati
but never did.
¶ 49 f. Chris Allen
¶ 50 Allen was the Plainfield police detective investigating the accident. He spoke with
Graunke, Michelle, Milton, Sopko, and Athena. None of them indicated Sopko had expressly
permitted Electra to drive the Lexus or prohibited her from doing so.
¶ 51 Allen went to see Graunke at the hospital within hours of Graunke’s arrival there. Graunke
had sustained major injuries and was unable to remember the crash. About a week later, Allen
followed up with Graunke after his discharge from the hospital. Graunke told Allen that Sopko
brought the Lexus for Athena to use since she needed a vehicle to travel for work. Graunke also
said that he and Electra collectively agreed to take the Lexus out for a joy ride and to show it off.
¶ 52 Michelle told Allen that Sopko brought the Lexus for Athena to use for her work commute.
Allen testified, “[Michelle] did not know which vehicle Electra was in during the crash. When I
provided her with a description of the vehicle, she was surprised to hear that was the car because
she said that [Electra] wasn’t supposed to be driving it.” When asked if Michelle explained why
10 Electra was not supposed to be driving the Lexus, Allen testified, “Because she didn’t have
permission to be driving it.” Later in the deposition, Allen testified Michelle did not tell him that
Electra could not drive the Lexus; “she was just surprised that that was the vehicle that [Electra]
was driving.”
¶ 53 Milton told Allen that the Lexus was left for Athena’s use, not Electra’s.
¶ 54 Athena told Allen she did not know why Electra would have been driving the Lexus.
¶ 55 Sopko told Allen that he left the Lexus for Athena to use, but “he didn’t specifically say,
Electra, you cannot drive the vehicle.” Sopko did not say that he allowed Electra to use the Lexus.
Allen believed Sopko said the keys were inside the Lexus when he left the residence that evening.
¶ 56 4. The Court’s Ruling
¶ 57 In May 2024, the circuit court entered summary judgment in favor of Pekin and
Progressive. It found Electra was not a permissive driver and, therefore, Pekin and Progressive had
no duty to defend or indemnify the Estate under their respective policies. It did not address whether
Electra was a resident relative under Progressive’s policy.
¶ 58 This appeal followed.
¶ 59 II. ANALYSIS
¶ 60 Graunke contends the circuit court erroneously granted summary judgment. He maintains
the record presents triable questions as to whether Electra was (1) a permissive driver under both
Pekin’s and Progressive’s policies and (2) a resident relative under Progressive’s policy.
¶ 61 A. Standard of Review
¶ 62 Summary judgment is appropriate when “the pleadings, depositions, and admissions on
file, together with the affidavits, if any, show that there is no genuine issue as to any material fact
and that the moving party is entitled to a judgment as a matter of law.” 735 ILCS 5/2-1005(c)
11 (West 2022). Summary judgment should be granted only if the movant’s right to judgment is clear
and free from doubt. Heath v. City of Naperville, 2024 IL App (3d) 230663, ¶ 49.
¶ 63 On a summary judgment motion, the court does not resolve questions of fact; rather, it
determines whether a genuine issue of material fact exists at all. Id. ¶ 50. Thus, the court may not
weigh evidence or assess witness credibility. Id. Given the drastic nature of summary judgment,
the court must construe the pleadings, depositions, admissions, and affidavits strictly against the
movant and liberally in favor of the nonmovant. Id. Summary judgment is not appropriate “where
the material facts are disputed, or where, the material facts being undisputed, reasonable persons
might draw different inferences from the undisputed facts.” (Internal quotation marks omitted.) Id.
We review the grant of summary judgment de novo. Id.
¶ 64 B. Permissiveness of Vehicle Use
¶ 65 The parties do not dispute that, if established, Electra’s nonpermissive use of the Lexus
would bar coverage to the Estate under both Pekin’s and Progressive’s policies.
¶ 66 1. Dead Man’s Act
¶ 67 Preliminarily, we address Graunke’s contention that the Dead Man’s Act (Act) (735 ILCS
5/8-201 (West 2022)) prevents Sopko from testifying that he told Electra she could not touch the
Lexus. The Act is intended to protect decedents’ estates from fraudulent claims and to place the
parties on equal footing in presenting testimony. Gunn v. Sobucki, 216 Ill. 2d 602, 609 (2005). The
Act bars an adverse party, or a person directly interested in the action, from testifying on his or her
own behalf about a conversation with the decedent or any event occurring in the decedent’s
presence. 735 ILCS 5/8-201 (West 2022). A person is directly interested under the Act “if he or
she will directly experience a monetary gain or loss as an immediate result of the judgment.”
People v. $5,608 United States Currency, 359 Ill. App. 3d 891, 895 (2005). The Act does not bar
12 testimony regarding facts that the decedent could not have refuted. Gunn, 216 Ill. 2d at 609; Balma
v. Henry, 404 Ill. App. 3d 233, 240 (2010). The Act applies both in trials and in summary judgment
proceedings. Balma, 404 Ill. App. 3d at 238.
¶ 68 Graunke’s attempt to invoke the Act is unavailing. Only the representative of an estate has
standing to invoke the Act. Id. at 239. The Act defines “representative” as “an executor,
administrator, heir or legatee of a deceased person and any guardian or trustee of any such heir or
legatee, or a guardian or guardian ad litem for a person under legal disability.” 735 ILCS 5/8-201
(West 2022). Graunke does not qualify under this definition. As the Estate’s administrator,
Michelle is the only party entitled to invoke the Act.
¶ 69 Nevertheless, Graunke argues he “stands in Electra’s shoes” as he will receive a monetary
gain or loss from the judgment. This argument is a non sequitur. Graunke’s potential monetary
gain or loss has no bearing on whether he is an Estate representative (or whether he stands in
Electra’s shoes). Graunke conflates the “interested person” standard—used to bar a witness’s
testimony—with the requisite qualifications for invoking the Act. Compare 5,608 United States
Currency, 359 Ill. App. 3d at 895 (an interested person is one who will directly experience a
monetary gain or loss as an immediate result of the judgment), with Balma, 404 Ill. App. 3d at 239
(only the estate representative can assert or waive the Act). In any case, Graunke’s argument that
he represents the Estate is plainly refuted by the record. Sopko’s deposition testimony was taken
in the underlying action, when Graunke was suing the Estate. In that context, Graunke’s interests
were clearly opposed to the Estate’s interests. Thus, by any measure, Graunke lacks standing to
invoke the Act.
¶ 70 Further, even if Graunke had standing to invoke the Act, it does not apply to Sopko’s
testimony. The Act applies only to the testimony of (1) adverse parties or (2) persons directly
13 interested in the action. 735 ILCS 5/8-201 (West 2022). Given that Sopko is not a named party,
his only conceivable status is that of an interested person. An interested person under the Act is
one who “will directly experience a monetary gain or loss as an immediate result of the judgment.”
$5,608 United States Currency, 359 Ill. App. 3d at 895. Graunke maintains Sopko is an interested
person because he stands in Pekin’s shoes as its insured. Graunke cites State Farm Mutual
Automobile Insurance Co. v. Plough, 2017 IL App (2d) 160307, for the proposition that a nonparty
insured may qualify as an interested person in his or her insurer’s action. Plough is distinguishable,
however. In that case, the court found the insured was an interested person because he stood to
gain or lose a $250 deductible as an immediate result of the case outcome. Id. ¶ 12. Here, in
contrast, Sopko does not stand to gain or lose any money as an immediate result of the outcome of
Pekin’s action. Accordingly, Sopko is not “directly interested in the action” and his testimony is
not barred by the Act.
¶ 71 2. Hearsay Testimony
¶ 72 We next address Graunke’s contention that Allen’s testimony must be disregarded as
inadmissible hearsay. Hearsay is an out-of-court statement offered in evidence to prove the truth
of the matter asserted. Ill. R. Evid. 801 (Oct. 15, 2015). The hearsay rule provides, generally, that
a witness may testify only as to facts within his or her personal knowledge. People v. Peterson,
2017 IL 120331, ¶ 17 (citing Novicki v. Department of Finance, 373 Ill. 342, 344 (1940)).
Inadmissible hearsay may not be used to support or oppose a summary judgment motion. Lacey v.
Perrin, 2015 IL App (2d) 141114, ¶ 52.
¶ 73 Pekin uses Allen’s testimony to bolster its argument that Electra was not permitted to drive
the Lexus. In particular, Pekin cites Allen’s testimony that Michelle appeared surprised upon
learning Electra was in the Lexus at the time of the accident and said Electra “wasn’t supposed to
14 be driving it.” (Allen’s testimony as to Michelle’s surprised appearance is not hearsay. There is no
indication her shift in demeanor was intended as an assertion. See Ill. R. Evid. 801(a), (c) (eff. Oct.
15, 2015).) In the summary judgment context, Allen’s testimony of Michelle’s verbal reaction can
only be offered for its substance. Allen’s testimony is therefore inadmissible hearsay, unless an
exception applies. Pekin argues, in conclusory fashion, that Allen’s testimony is admissible under
Illinois Rules of Evidence 803(2) and 803(3) (eff. Jan. 25, 2023). We address each in turn.
¶ 74 Rule 803(2) excludes excited utterances from the rule against hearsay. Ill. R. Evid. 803(2)
(eff. Jan. 25, 2023). An excited utterance, also called a spontaneous declaration, is “[a] statement
relating to a startling event or condition made while the declarant was under the stress of
excitement caused by the event or condition.” Id. The excited utterance exception rests on a theory
rooted in human experience that physical or mental shock prompts truthful, unreflecting statements
as to facts just perceived. People v. Connolly, 406 Ill. App. 3d 1022, 1024 (2011).
¶ 75 To admit a statement under the excited utterance exception, a court must find (1) an event
sufficiently startling to generate a spontaneous and unreflecting statement, (2) no time to fabricate
the statement, and (3) a nexus between the statement and the startling event’s circumstances.
People v. Kinnerson, 2020 IL App (4th) 170650, ¶ 31.
¶ 76 Here, Allen testified that when he described to Michelle the vehicle involved in the
accident, she said Electra was not supposed to be driving that vehicle. He later testified,
“[Michelle] didn’t say that Electra couldn’t drive the car[.] *** [S]he was just surprised that that
was the vehicle that she was driving.” The motions for summary judgment rely on Allen’s initial
testimony—that Michelle said Electra was not supposed to be driving the Lexus. This testimony
does not qualify as an excited utterance. Michelle’s alleged statement was in response to Allen’s
description of the vehicle involved in the accident. A verbal account of the accident’s details is not
15 the type of startling event or condition that can prompt an excited utterance. See People v. Durham,
303 Ill. App. 3d 763, 766 (1999) (“While viewing a photograph of a person who shot him may
have caused [the victim] anguish or anger, this is not the type of startling event that causes an
excited utterance under the hearsay rule.”). Pekin fares no better by claiming the startling event or
condition was the accident itself, as an excited utterance requires the declarant’s personal
knowledge of the startling event or condition. People v. Garner, 2016 IL App (1st) 141583, ¶ 51.
A secondhand account of Michelle’s response to learning the details of her daughter’s accident, of
which she had no firsthand knowledge, is not admissible as an excited utterance.
¶ 77 Pekin also relies on Rule 803(3), which sets forth the state-of-mind exception to the hearsay
rule. Ill. R. Evid. 803(3) (eff. Jan. 25, 2023). Under this exception, a witness may testify as to
statements of a declarant’s then-existing state of mind, such as intent, plan, and motive. Id.; People
v. Lawler, 142 Ill. 2d 548, 559 (1991). Notably, Rule 803(3) distinguishes between a statement of
a then-existing state of mind and a statement of “memory or belief to prove the fact remembered
or believed.” Ill. R. Evid. 803(3)(A) (eff. Jan. 25, 2023). While the former is admissible under the
exception, the latter is not (except in limited circumstances relating to a declarant’s will
instrument). Id. “A hearsay statement admitted under the state-of-mind exception may only be
used for the limited purpose permitted by the exception, not for its own truth.” Guski v. Raja, 409
Ill. App. 3d 686, 700 (2011).
¶ 78 The statement attributed to Michelle—that Electra was not supposed to drive the Lexus—
is not admissible under the state-of-mind exception. Michelle’s statement does not reveal her then-
existing state of mind (such as her intent, plan, or motive); it merely asserts a belief about past
conduct. Thus, Allen’s testimony recounts Michelle’s “statement of memory or belief,” and Pekin
attempts to introduce his testimony “to prove the fact remembered or believed.” See Ill. R. Evid.
16 803(3)(A) (eff. Jan. 25, 2023). This is precisely what Rule 803(3)(A) was designed to prevent. Id.
Admitting a declarant’s retrospective belief under the guise of state of mind would effectively
destroy the hearsay rule. See In re Estate of Holmgren, 237 Ill. App. 3d 839, 843 (1992). Having
established the inapplicability of the excited-utterance and state-of-mind exceptions, we disregard
Allen’s hearsay testimony in our analysis.
¶ 79 3. Triable Question of Fact
¶ 80 The record reveals a conflicting narrative as to whether Electra had permission to drive the
Lexus on the night of the accident. In considering the record, we do not weigh evidence or assess
witness credibility. Heath, 2024 IL App (3d) 230663, ¶ 50. However, we construe the pleadings
and evidence strictly against Pekin and Progressive and liberally in favor of Graunke. See id.
¶ 81 Milton and Graunke testified that Sopko brought the Lexus because Athena’s car had
broken down. Milton believed Sopko brought the Lexus for Athena, and Graunke believed Athena
had been using the Lexus for more than a day before the accident.
¶ 82 Sopko testified he specifically told Electra she could not touch the Lexus. This testimony,
however, does not conclusively resolve the factual dispute. According to Sopko, he made this
statement in Milton’s presence, while Electra and Graunke were admiring the Lexus. But neither
Milton nor Graunke recounted this statement or any other statement suggesting Sopko had
prohibited Electra from using the Lexus. In fact, Milton, who was Sopko’s friend, testified, “[I]f
[Sopko] says you could drive his car, anyone could drive his car. He’s that kind of person.”
¶ 83 Graunke testified he believed Sopko left the Lexus “for them to use.” (Emphasis added.)
Similarly, Michelle testified that on returning from Sopko’s house and not finding the Lexus, she
was not concerned at all “because the car was left for them to use.” (Emphasis added.) In context,
the plural “them” includes, at a minimum, both Athena and Electra. Athena’s testimony further
17 corroborates Michelle’s and Graunke’s testimony. According to Athena, “[Sopko] never
specifically said, you or you. It was kind of all general, the car is for you guys to use.”
¶ 84 Indeed, the record supports an inference that Sopko’s offer extended to both Athena and
Electra. Michelle and Athena testified that, upon hearing Sopko’s offer to bring a car, Athena
immediately rebuffed his offer. According to Athena, she said to Sopko, “No, no don’t bring the
car[.] We’ll figure it out ourselves.” According to Michelle, Athena said she did not want or need
a car; but when Electra stayed quiet, Sopko brought it anyway. Thus, it is reasonable to infer that
Sopko interpreted Electra’s silence as tacit approval and brought the Lexus expecting at least
Electra to make use of it.
¶ 85 Moreover, Sopko’s stated reason for instructing Electra not to touch the Lexus is
contradicted by the testimony of both Milton and Athena. Sopko testified he did not think Electra
was a good driver and noted she had recently “wrecked” her own car. Milton, in contrast, stated
Electra was a good driver and emphasized there was no conversation about Electra not being a
good driver. Athena also believed Electra was a good driver. And although Athena stated Electra’s
car had been in an accident, she emphasized it was a minor accident. Aside from Sopko’s
testimony, the record does not indicate Electra was at fault in that accident.
¶ 86 On balance, the record reflects a factual dispute as to the intended recipient of the Lexus
and whether Electra was expressly prohibited from driving it. Sopko testified he specifically told
Electra she could not touch the Lexus, but no other witness heard that alleged prohibition. Michelle
and Athena both testified the Lexus was for either sister to use, while Sopko, Graunke, and Milton
testified Sopko brought the Lexus specifically for Athena to use. Viewed in the light most
favorable to Graunke, the deposition testimony presents a genuine issue of material fact as to
whether Electra had permission to drive the Lexus.
18 ¶ 87 C. Resident Relative under Progressive’s Policy
¶ 88 Progressive’s summary judgment motion raised an additional basis for denying coverage,
namely, that Electra was not a covered driver because she did not reside with Lawrence, the named
insured, at the time of the accident. Although the circuit court did not address this issue, it was
fully briefed, and de novo review compels us to consider it. See Clay v. Illinois District Council of
Assemblies of God Church, 275 Ill. App. 3d 971, 980 (1995).
¶ 89 It is undisputed that Progressive owes the Estate no coverage if, at the time of the accident,
Electra was not a qualifying “relative” under Progressive’s policy. We begin by examining the
policy’s language.
¶ 90 “[A] contract must be construed as a whole, viewing each part in light of the others.”
Gallagher v. Lenart, 226 Ill. 2d 208, 233 (2007). “Where a policy provision is clear and
unambiguous, its words must be given their plain, ordinary, and popular meaning.” Hilltop View,
LLC, 2013 IL App (4th) 130124, ¶ 26. But if the terms are ambiguous, the language will be strictly
construed against the insurer. Id. “In addition, provisions that limit or exclude coverage will be
interpreted liberally in favor of the insured and against the insurer.” (Internal quotation marks
omitted.) Id.
¶ 91 Under Progressive’s insuring agreement, the declarations page forms part of the policy.
The declarations page expressly mentions Electra’s name twice, first in the “drivers and resident
relatives” section, and then in the “premium discounts” section where she is identified as a distant
student. Although Electra is not specifically designated a “resident relative,” we strictly construe
the “drivers and resident relatives” section against the insurer (see id.) and find she is necessarily
listed as both a driver and a resident relative. Moreover, the declarations page lists a BMW 320 as
a vehicle recently added to the policy, and Athena testified Electra typically drove a BMW; the
19 declarations page also lists a Range Rover as a covered auto, and there is abundant testimony that
Electra drove her mother’s Range Rover. The declarations page lists no other vehicles. In view of
the declarations page and testimony that Electra drove both covered autos, the insurer and insured
clearly contemplated coverage would extend to Electra.
¶ 92 But the declarations page is only part of the policy (Hobbs v. Hartford Insurance Co. of
the Midwest, 214 Ill. 2d 11, 23 (2005)), and Progressive asserts the declarations page includes
misrepresentations precluding coverage.
¶ 93 Progressive maintains Electra was neither a resident relative nor a distant student at the
time of the accident. “Distant student” is mentioned nowhere outside the declarations page and has
no clear connection to the definition of “insured” under the policy. Accordingly, we consider
whether the evidence overcomes, beyond question, Electra’s ostensible status as a resident relative.
¶ 94 The policy contract’s definition of “relative” is two-pronged. It requires, first, a person
related by blood, marriage, or adoption to “you,” i.e., the named insured, or the named insured’s
spouse if the couple resides in the same household at the time of the loss. Here, the evidence
conclusively establishes Michelle and Lawrence were residing in separate households at the time
of the accident. Michelle testified she was in the process of divorcing Lawrence, and Milton
testified Michelle was separated from Lawrence and living in her own home. Nothing in the record
undermines Michelle’s and Milton’s testimony. Thus, during the period of separation, Michelle is
excluded from any reference to “you” in the policy. “You” can only refer to Lawrence, the named
insured. Even so, the definition of “relative” recognizes “stepchild” as a qualifying relationship.
As Lawrence’s stepdaughter, Electra satisfied the first prong of that definition.
¶ 95 The second prong of the definition sets forth a residency requirement: A relative must
“resid[e] in the same household as you [i.e., the named insured].” Notably, unmarried dependent
20 children temporarily away from home satisfy this prong “if they intend to continue to reside in [the
named insured’s] household.”
¶ 96 Residency is generally construed liberally in favor of the insured and strongly against the
insurer. State Farm Mutual Automobile Insurance Co. v. Bierman, 2019 IL App (5th) 180426,
¶ 29. “The reasonable interpretation, however, requires a case-specific analysis of intent, physical
presence, and permanency of abode in each case.” Id. “The controlling factor is the intent of the
party whose residency is in question, as evinced by that party’s actions.” Id. “Although a person
can have only one domicile at a time, a person may have multiple residences.” Id.
¶ 97 Progressive draws our attention to Michelle’s deposition testimony regarding Electra’s
Chicago residence. Michelle testified Electra had an apartment in Chicago. According to
Progressive, this is conclusive evidence that Electra was not residing in the same household as
Lawrence at the time of the accident. We disagree. At most, the record shows Electra’s primary
residence was in Chicago, where she lived alongside a roommate. Progressive’s policy contains
no requirement that a resident primarily reside in the named insured’s household. It is possible that
Electra primarily resided in her Chicago apartment but maintained residency in her parents’
households. See id. (a person can have multiple residences simultaneously). Indeed, the policy’s
definition of “relative” contemplates dependent children temporarily away from home who intend
to continue to reside in their parent’s household.
¶ 98 As the party moving for summary judgment, Progressive “is the burdened party for
purposes of the motion and must meet both the initial burden of production [citation] and the
ultimate burden of proof.” Country Mutual Insurance Co. v. Hilltop View, LLC, 2013 IL App (4th)
130124, ¶ 23. Progressive failed to present any evidence or elicit any testimony regarding Electra’s
residency-related intent or the permanence of her Chicago abode. See Bierman, 2019 IL App (5th)
21 180426, ¶ 29. It failed to obtain a sworn statement from Lawrence concerning Electra’s residency.
It also failed to obtain any evidence showing Electra had no intention of returning to Lawrence’s
household (assuming she did not reside in his household at the time). Notably, any deposition
testimony adduced regarding Electra’s residency arose incidentally, in a wholly separate
proceeding, and was not the product of focused inquiry.
¶ 99 Thus, because the declarations page identifies Electra as a resident relative and the
testimonial record does not conclusively prove otherwise, a genuine issue of material fact exists,
and summary judgment is inappropriate.
¶ 100 D. Necessary Party
¶ 101 Finally, Graunke argues the summary judgment order was void because Lawrence was not
joined as a necessary party. Citing Safeway Insurance Co. v. Harvey, 36 Ill. App. 3d 388, 392
(1976), Graunke’s opening brief offers only a bare assertion that Lawrence’s named-insured status
under Progressive’s policy requires his joinder to the action as a necessary party. Graunke does
not discuss Harvey and provides no analysis of the established bases for joinder of necessary
parties. See American Freedom Insurance Co. v. Garcia, 2021 IL App (1st) 200231, ¶ 36 (setting
forth three bases for joinder).
¶ 102 Harvey does not stand for the proposition that an insured is necessary to an insurance action
solely by virtue of his or her named-insured status under the relevant policy. In Harvey, an insurer
filed a declaratory judgment action to rescind the named insured’s policy after his brother was
involved in an automobile accident. Harvey, 36 Ill. App. 3d. at 390-92. The insurer alleged the
policy was procured through misrepresentation of fact material to the risk and that no duty to pay,
defend, or indemnify arose. Id. at 390. The trial court entered summary judgment in favor of the
22 insurer. Id. On appeal, the appellate court held that policy rescission injuriously affected the named
insured’s interest since his rights in the policy were purportedly determined. Id. at 391.
¶ 103 Here, in contrast, Progressive’s crossclaim does not seek to rescind the policy or determine
Lawrence’s rights under the policy. It seeks only a finding that Progressive has no duty to defend
or indemnify any party in the underlying action. Thus, the only case relied on by Graunke is
distinguishable.
¶ 104 “A reviewing court is entitled to have the issues clearly defined and supported by pertinent
authority and cohesive arguments; it is not merely a repository into which an appellant may dump
the burden of argument and research.” (Internal quotation marks omitted.) U.S. Bank v. Lindsey,
397 Ill. App. 3d 437, 459 (2009). Graunke’s opening brief fails to address any of the bases for
joinder. See Garcia, 2021 IL App (1st) 200231, ¶ 36. Graunke’s failure to develop his argument
violates Rule 341(h)(7). Ill. S. Ct. R. 341(h)(7) (eff. Oct. 1, 2020). “Points not argued are forfeited
and shall not be raised in the reply brief, in oral argument, or on petition for rehearing.” Id.
Accordingly, Graunke has forfeited this argument, and we decline to address it further.
¶ 105 III. CONCLUSION
¶ 106 Whether Electra had permission to use the Lexus is a disputed question of fact, and the
record is insufficiently developed as to Electra’s resident-relative status under Progressive’s
policy. Thus, genuine issues of material fact exist, and summary judgment is inappropriate.
¶ 107 We reverse the judgment of the circuit court of Will County and remand the cause for
further proceedings.
¶ 108 Reversed and remanded.