Professional Solutions Insurance Co. v. Karuparthy

2023 IL App (4th) 220409, 232 N.E.3d 531

• Court: Appellate Court of Illinois
• Decided: May 30, 2023
• Docket: 4-22-0409
• Status: Published

Opinion

2023 IL App (4th) 220409 FILED NO. 4-22-0409 May 30, 2023 Carla Bender IN THE APPELLATE COURT 4th District Appellate Court, IL OF ILLINOIS

FOURTH DISTRICT

PROFESSIONAL SOLUTIONS INSURANCE ) Appeal from the COMPANY, ) Circuit Court of Plaintiff-Appellant, ) Rock Island County v. ) No. 21MR818 VENKATESWARA R. KARUPARTHY, M.D.; ) INTEGRATIVE PAIN CENTERS OF AMERICA, ) LTD.; and NANCY CORELIS, ) Honorable Defendants-Appellees. ) Kathleen E. Mesich, ) Judge Presiding.

JUSTICE STEIGMANN delivered the judgment of the court, with opinion. Justice Zenoff concurred in the judgment and opinion. Justice Harris dissented, with opinion.

OPINION

¶1 In August 2020, Nancy Corelis filed a complaint against Venkateswara R.

Karuparthy, M.D., and Integrative Pain Centers of America, Ltd. (collectively, the medical

defendants), alleging Karuparthy (1) injected a “medical substance” that rendered her immobile

and (2) subsequently “repeatedly and intentionally touched, grabbed, fondled, and kissed

[Corelis’s] person.” Corelis also alleged Karuparthy negligently injected her with a substance that

rendered her immobile and caused her physical and emotional injuries. Corelis alleged Integrative

Pain Centers of America, Ltd. (Integrative Pain Centers) was vicariously liable.

¶2 In October 2021, plaintiff, Professional Solutions Insurance Company

(Professional Solutions) filed a declaratory judgment action against the medical defendants and

Corelis in which it sought a declaration that it had no duty to defend the underlying action because Karuparthy pleaded guilty to two criminal charges arising out of Karuparthy’s conduct as alleged

in Corelis’s complaint. Specifically, Professional Solutions argued that based on the guilty pleas,

the underlying complaint alleged only intentional conduct or actions that otherwise did not qualify

as professional services under the policy. Alternatively, the allegations fell under several

exclusions, including criminal conduct, intentional conduct, and sexual misconduct.

¶3 In November 2021, Corelis filed a motion to dismiss the declaratory judgment

action pursuant to section 2-619(a)(9) of the Code of Civil Procedure (Code) (735 ILCS 5/2-

619(a)(9) (West 2020)), arguing the underlying complaint sufficiently pleaded a claim for medical

negligence that brought the allegations potentially within coverage under the policy. In response,

Professional Solutions filed a “cross-motion” for judgment on the pleadings. After the parties fully

briefed the motions, the trial court concluded that Professional Solutions had a duty to defend the

underlying complaint, granted Corelis’s motion to dismiss, and denied Professional Solutions’

motion for judgment on the pleadings.

¶4 Professional Solutions appeals, arguing the trial court erred when it found

Professional Solutions had a duty to defend Karuparthy. Professional Solutions contends that

Karuparthy’s convictions for crimes arising out of the same transaction or occurrence as the

underlying complaint (1) removed the allegations in the underlying complaint from the policy’s

coverage, (2) triggered the policy’s criminal acts exclusion, and (3) made a prima facie showing

that the criminal acts exclusion or other exclusions applied. We agree with Professional Solutions,

reverse the trial court’s judgment, and remand with directions.

¶5 I. BACKGROUND

¶6 A. The Underlying Action

¶7 1. The Complaint

-2- ¶8 In August 2020, Corelis filed a complaint against the medical defendants

(hereinafter referred to as the underlying complaint). The underlying complaint alleged six counts:

battery (count I), assault (count II), intentional infliction of emotional distress (count III), false

imprisonment (count IV), negligence against Karuparthy (count V), and negligence against

Integrative Pain Centers based on its vicarious liability for Karuparthy’s acts (count VI).

¶9 Counts I, II, and III alleged the following. On August 23, 2018, Corelis “received

medical treatment from [Karuparthy].” “During that medical treatment, [Karuparthy] injected

[Corelis] with a medical substance.” “Unbeknownst to [Corelis], that injection impaired/limited

her ability to move.” “While [Corelis was] under the effects of that medication, [Karuparthy]

repeatedly and intentionally touched, grabbed, fondled, and kissed [Corelis’s] person.” The

complaint also alleged that (1) the touchings were unwanted, offensive, harmful, placed Corelis in

further apprehension of harm—including rape—and (2) she suffered damages and emotional

distress.

¶ 10 Count IV asserted a claim for false imprisonment and contained the same

allegations with some changes. Count IV alleged that when Corelis received medical treatment in

the form of an injection from Karuparthy on August 23, 2018, “[u]nbeknownst to [Corelis], that

injection constrained, impaired, and/or limited her ability to move.” (Emphasis added.) Count IV

then alleged, “That injection and the effects of same constituted a restraint on her freedom and her

ability to leave the room while [Karuparthy] repeatedly touched, grabbed, fondled, and kissed

[Corelis’s] person, all of which was unwanted.”

¶ 11 Count V contained identical allegations as count IV regarding (1) the treatment,

(2) the injection, and (3) unknown to Corelis, the injection “constrained, impaired, and/or limited

her ability to move.” Count V additionally asserted Karuparthy owed Corelis a duty of care and

-3- that “he committed one or more or a combination of all of the following negligent acts or

omissions.” Count V alleged the following acts of negligence:

“a. Failed to obtain informed consent prior to administering a medical

substance that impaired and/or constrained her ability to move;

b. Failed to explain the side effects of the medical substance prior to

administering same;

c. Failed to conduct a proper clinical examination prior to administering the

injection in question; and

d. Failed to make a diagnosis prior to administering the medical substance

in question.”

Count V then alleged that “[a]s a direct and proximate result” of the above negligent acts or

omissions, Karuparthy “injected [Corelis] with a substance, rendering her temporarily immobile.”

Count V concluded by alleging that “[a]s a direct and proximate result of that immobility,” Corelis

required medical treatment, suffered substantial pain and discomfort, experienced a loss of a

normal life, and suffered emotional distress.

¶ 12 Count VI contained the same allegations as count V but asserted Integrative Pain

Centers was liable for the acts of Karuparthy, who was acting as an actual or apparent agent or

employee of Integrative Pain Centers.

¶ 13 2. The Section 2-622 Affidavit and Physician’s Report

¶ 14 Corelis attached to her complaint a section 2-622 affidavit (735 ILCS 5/2-622

(West 2020)) and physician’s report explaining why the physician believed the lawsuit was

meritorious. The report stated that it was based on Corelis’s medical records from Integrative Pain

Centers and explained that “[o]n August 23, 2018, Nancy Corelis was alleged to receive an

-4- unscheduled administration of intravenous B-Complex vitamins. Though, in addition to the

intravenous vitamins, Dr. Karuparthy administered a thumb joint injection and intravenous

ketamine.”

¶ 15 Regarding the thumb injection, the physician’s report stated that “according to his

notes,” Karuparthy examined the thumb, noted arthritic changes, and gave a steroid injection to

the joint. “Based on records from prior office visits,” the injection was a breach of the standard of

care because (1) Corelis had no history of arthritis, (2) Karuparthy did not take an X-ray or rule

out other causes, and (3) “he failed to obtain consent for the thumb injection.”

¶ 16 Regarding the administration of ketamine, the physician’s report stated that a thumb

joint injection was an inappropriate circumstance to administer ketamine. Accordingly,

Karuparthy breached the standard of care by (1) administering the injection and (2) “fail[ing] to

obtain consent for the use of ketamine.” The report further stated that Karuparthy breached the

standard of care based on the manner in which he administered the ketamine and actions he took

after giving it. Karuparthy breached the standard of care by not determining how long it had been

since Corelis had anything to eat or drink. Further, “[o]n this visit, unlike other visits, Dr.

Karuparthy used a bolus to administer ketamine. A reasonably careful anesthesiologist should

recognize that a patient can react differently to the manner in which ketamine is administered.

According to his own notes, Dr. Karuparthy failed to do so. He left the room, leaving Nancy

Corelis unattended while under the effects of ketamine, breaching the standard of care.” The report

continued:

“When he returned, Nancy Corelis was hemodynamically compromised.

Yet he left the room again to obtain the oxygen tank and oxygen mask, breaching

the standard of care. If administering ketamine, the standard of care requires not

-5- only that the patient be fully monitored, with a qualified person in constant

attendance, but also complete resuscitation capabilities available in the patient’s

room, not a different room, which breaches the standard of care.”

¶ 17 The report concluded that “there [wa]s a reasonable basis for a cause of action

against” Karuparthy because he “mismanaged the care and treatment of Nancy Corelis, including

multiple deviations of the standard of care.” However, the report did not identify any injury

suffered by Corelis (other than a lack of consent) or how any of the deviations of the standard of

care caused any injury.

¶ 18 B. The Declaratory Judgment Complaint

¶ 19 In October 2021, Professional Solutions filed a complaint for a declaratory

judgment against Karuparthy, Integrative Pain Centers, and Corelis. The complaint asserted that

Professional Solutions had issued a medical professional liability insurance policy to Integrative

Pain Centers as the insured. That policy also listed Karuparthy as a named insured. The complaint

further asserted that Professional Solutions was notified of the underlying lawsuit and in August

2020 agreed to defend the suit under a reservation of rights. Copies of the policy and underlying

complaint were attached to the declaratory judgment complaint.

¶ 20 The declaratory judgment complaint further alleged the following:

“On December 19, 2018, a criminal complaint was filed against Dr.

Karuparthy in *** case no. 2018CF1120 (the ‘Criminal Case’). The Criminal Case

is based on the same events which gave rise to the Corelis Lawsuit.

On July 23, 2021, an Order of Probation was entered in connection with the

Criminal Case. Dr. Karuparthy pled guilty to the offenses of Reckless Conduct and

Assault and was sentenced to a term of probation of 12 months. A true and accurate

-6- copy of the entered Order of Probation is attached hereto as Exhibit 3.”

¶ 21 The declaratory judgment complaint highlighted the definitions of “Incident” and

“Professional Services” contained in the policy. “Incident means any negligent omission, act or

error in rendering or failure to render Professional Services. Injury caused by a single act, error or

omission or a series of related acts, errors or omissions shall be considered one Incident.”

“Professional Services means the diagnosis of, treatment or medical care for or medical

consultation regarding a patient’s medical condition.”

¶ 22 In its complaint, Professional Solutions contended that it did not owe a duty to

defend the underlying complaint because (1) the underlying complaint alleged intentional conduct

by Karuparthy that did not constitute an “incident” under the policy, (2) the allegations that

Karuparthy touched, grabbed, kissed, and fondled Corelis were not “professional services,”

(3) Karuparthy pleaded guilty to reckless conduct and assault based on the same acts alleged in the

underlying complaint and the policy excluded coverage for “Damages, Claims or Suits arising out

of, based upon, or attributable to … [a]n act or omission violating any federal or state statute, or

any county or municipal ordinance governing the commission of a crime,” and (4) various other

exclusions—namely, intentional acts, sexual misconduct, and false imprisonment exclusions—

barred coverage.

¶ 23 C. The Subsequent Pleadings and Motions

¶ 24 In November 2021, the medical defendants filed an answer to the declaratory

judgment complaint in which they admitted that (1) “a criminal complaint was filed, but claim[ed]

that the Criminal Case arose out of the same transaction or occurrence that gave rise to the Corelis

lawsuit, rather than [being] ‘based on the same events which gave rise to the Corelis lawsuit,’ ”

and (2) Karuparthy pleaded guilty to reckless conduct and assault in the criminal case. The medical

-7- defendants denied Professional Solutions’ allegations that it did not have a duty to defend or that

the exclusions applied.

¶ 25 1. Corelis’s Motion To Dismiss

¶ 26 Later in November 2021, Corelis filed a motion to dismiss the declaratory judgment

action pursuant to section 2-619(a)(9) of the Code (735 ILCS 5/2-619(a)(9) (West 2020)), asserting

that (1) Professional Solutions did not attach a copy of the section 2-622 physician’s report, which

had been attached to the underlying complaint, to the declaratory judgment action, (2) Professional

Solutions “ignored” the negligence counts in the underlying complaint and those counts properly

pleaded causes of action for negligence on their face, (3) the physician’s report detailed

Karuparthy’s standard of care and how he committed professional negligence during the course of

his medical treatment of Corelis, (4) “[t]he negligence claim and the physician’s report are

affirmative matters that defeat” the declaratory judgment action and “require the duty to defend,”

and (5) the exclusion provisions asserted by Professional Solutions were inapplicable.

¶ 27 2. Professional Solutions’ Motion for Judgment on the Pleadings

¶ 28 In December 2021, the trial court conducted a hearing on Corelis’s motion to

dismiss and entered an agreed order. That order set a briefing schedule for (1) Professional

Solutions to file a “Combined Response in Opposition to Corelis’ Motion to Dismiss and

Cross-Motion for Judgment on the Pleadings,” (2) Corelis to file a “Combined Reply in Support

of Motion to Dismiss and Response in Opposition to Plaintiff’s Motion for Judgment on the

Pleadings,” and (3) Professional Solutions to file a reply in support of its “Cross-Motion” for

judgment on the pleadings.

¶ 29 In January 2022, Professional Solutions filed a document titled “Plaintiff’s

Combined Response in Opposition to *** Corelis’ Motion to Dismiss and Cross-Motion for

-8- Judgment on the Pleadings” pursuant to section 2-615(e) of the Code (735 ILCS 5/2-615(e) (West

2020)).

¶ 30 Professional Solutions argued that it did not have a duty to defend because (1) the

underlying complaint alleged intentional conduct that did not qualify as an “incident” or

“professional services” under the policy and (2) Karuparthy’s pleading guilty to crimes arising out

of the same incident triggered several exclusions in the policy. Professional Solutions first

explained that Karuparthy admitted in his answer to the declaratory judgment complaint that he

was charged in a criminal case arising out of the same transaction or occurrence alleged in the

underlying complaint. Karuparthy further admitted that he pleaded guilty to reckless conduct and

assault in that criminal case. Based on these pleas, Professional Solutions contended that the

allegations in the underlying complaint could be read only as asserting a cohesive scheme to

commit sexual assault that did not constitute the rendering of professional services, which would

otherwise be covered.

¶ 31 Professional Solutions also argued that Karuparthy’s convictions triggered the

criminal acts exclusion, the intentional conduct exclusion, the false imprisonment exclusion, and

the sexual misconduct exclusion. Accordingly, Professional Solutions maintained it did not have

a duty to defend the underlying complaint notwithstanding the counts labelled as “negligence”

therein.

¶ 32 3. The Responses

¶ 33 Corelis filed a reply in support of her motion to dismiss and a separate response to

Professional Solutions’ motion for judgment on the pleadings. In her response to Professional

Solutions’ motion, Corelis argued only that a motion for judgment on the pleadings was

procedurally improper because she had not yet filed an answer to the declaratory judgment

-9- complaint.

¶ 34 In her reply in support of her motion to dismiss, Corelis addressed the merits of

Professional Solutions’ arguments. Corelis argued that her motion to dismiss was proper because

the section 2-622 report and negligence claim constituted other matters that defeated the

declaratory judgment complaint. Corelis further argued that the criminal convictions did not

collaterally estop her from asserting a negligence claim because (1) the issues in the criminal case

and underlying complaint were not identical and (2) it would be unfair to hold those convictions

against her.

¶ 35 Corelis next contended that the intentional conduct alleged was the unwanted

touching, which was separate from the injection. She maintained that the injection was not alleged

to be intentional conduct and instead showed that she received medical treatment under the terms

of the insurance policy. In support of this argument, Corelis relied on a medical record from

Karuparthy that she did not attach to her reply and said she would make available to the trial court

for in camera inspection. Corelis asserted that she was permitted to plead in the alternative and the

negligence claims focused on medical treatment and breaches of the standard of care such as lack

of informed consent.

¶ 36 In Professional Solutions’ response, it argued that reliance on any medical record

was inappropriate because it was not part of the pleadings. Professional Solutions also argued that

the immobilizing injection was an integral part of, and could not be separated from, the intentional

touching regardless of whether Corelis left the unwanted touching allegations out of the negligence

counts because the counts clearly described a single course of conduct. As a result, the allegations

in the underlying complaint could not be considered related to medical treatment where those

allegations pertained to sexual misconduct.

- 10 - ¶ 37 D. The Trial Court’s Ruling

¶ 38 In March 2022, the trial court conducted a hearing, which it stated was “on Corelis’s

motion to dismiss and Professional Solutions motion for judgment on the pleadings.” The parties

raised various arguments consistent with their briefs. When asked if Professional Solutions wished

to make separate arguments on its motion for judgment on the pleadings, Professional Solutions

declined, stating it believed the “motions are really companion” and it had nothing to add in

addition to the arguments it had already made.

¶ 39 In April 2022, the trial court entered a written order granting Corelis’s motion to

dismiss and denying Professional Solutions’ motion for judgment on the pleadings. The court

found that the underlying complaint made allegations that stated claims for negligence that

potentially fell within the policy’s coverage. Accordingly, the court found that Professional

Solutions had a duty to defend. The court rejected Professional Solutions’ arguments that

exclusions applied because “a criminal conviction is only prima facie, not conclusive evidence of

an insured’s intent.” The court concluded that “Karuparthy’s guilty plea does not, by itself,

establish intentional conduct as a matter of law.”

¶ 40 This appeal followed.

¶ 41 II. ANALYSIS

¶ 42 Professional Solutions appeals, arguing the trial court erred when it found

Professional Solutions had a duty to defend Karuparthy. Professional Solutions contends that

Karuparthy’s convictions for crimes arising out of the same transaction or occurrence as the

underlying complaint (1) removed the allegations in the underlying complaint from the policy’s

coverage, (2) triggered the policy’s criminal acts exclusion, and (3) made a prima facie showing

that the criminal acts exclusion or other exclusions applied. We agree with Professional Solutions,

- 11 - reverse the trial court’s judgment, and remand with directions.

¶ 43 A. The Applicable Law and the Standard of Review

¶ 44 1. Motions for Judgment on the Pleadings

¶ 45 “A motion for judgment on the pleadings is like a motion for summary judgment,

limited to the pleadings.” Pekin Insurance Co. v. Wilson, 237 Ill. 2d 446, 455, 930 N.E.2d 1011,

1016 (2010); In re Appointment of Special Prosecutor, 2019 IL 122949, ¶ 52, 129 N.E.3d 1181

(“A motion for judgment on the pleadings *** is essentially a motion for summary judgment that

is limited to the pleadings.”). “Thus, judgment on the pleadings is proper ‘ “[i]f the admissions in

the pleadings disclose that there is no genuine issue of material fact and that the movant is entitled

to judgment as a matter of law.” ’ ” Hartford Insurance Co. of Illinois v. Kelly, 309 Ill. App. 3d

800, 804, 723 N.E.2d 288, 291 (1999) (quoting Employers Insurance of Wausau v. Ehlco

Liquidating Trust, 186 Ill. 2d 127, 138, 708 N.E.2d 1122, 1129 (1999), quoting 3 Richard A.

Michael, Illinois Practice, Civil Procedure Before Trial § 27.2, at 494 (1989)). “In ruling on a

motion for judgment on the pleadings, a court may consider only those facts appearing on the face

of the pleadings, matters subject to judicial notice, and any judicial admissions in the record.”

Hooker v. Illinois State Board of Elections, 2016 IL 121077, ¶ 21, 63 N.E.3d 824. “For purposes

of resolving the motion, the court must consider as admitted all well-pleaded facts set forth in the

pleadings of the nonmoving party, and the fair inferences drawn therefrom.” (Internal quotation

marks omitted.) Wilson, 237 Ill. 2d at 455.

¶ 46 2. The Duty To Defend

¶ 47 “In a declaratory judgment action in which the issue is whether the insurer has a

duty to defend, courts first look to the allegations in the underlying complaint and compare those

allegations to the relevant provisions of the insurance contract.” Illinois State Bar Ass’n Mutual

- 12 - Insurance Co. v. Leighton Legal Group, LLC, 2018 IL App (4th) 170548, ¶ 35, 103 N.E.3d 1087.

“If the facts alleged in the underlying complaint fall within, or potentially within, the policy’s

coverage, the insurer’s duty to defend arises.” Wilson, 237 Ill. 2d at 455. “This is true even if the

allegations are groundless, false, or fraudulent, and even if only one of several theories of recovery

alleged in the complaint falls within the potential coverage of the policy.” Valley Forge Insurance

Co. v. Swiderski Electronics, Inc., 223 Ill. 2d 352, 363, 860 N.E.2d 307, 315 (2006).

¶ 48 The allegations in the underlying complaint are construed liberally and are not

required to be in any particular form. Empire Indemnity Insurance Co. v. Chicago Province of the

Society of Jesus, 2013 IL App (1st) 112346, ¶ 35, 990 N.E.2d 845. “[T]he question of coverage

should not hinge on the draftsmanship skills or whims of the plaintiff in the underlying action.”

(Internal quotation marks omitted.) Wilson, 237 Ill. 2d at 460.

¶ 49 “Little weight is given to the legal label that characterizes the allegations of the

underlying complaint; rather, the determination focuses on whether the alleged conduct arguably

falls within at least one of the categories of wrongdoing listed in the policy.” Illinois State Bar

Ass’n Mutual Insurance Co. v. Mondo, 392 Ill. App. 3d 1032, 1037, 911 N.E.2d 1144, 1149 (2009);

see also Pekin Insurance Co. v. Dial, 355 Ill. App. 3d 516, 520, 823 N.E.2d 986, 990 (2005) (“The

factual allegations of the complaint, rather than the legal theory under which the action is brought,

determine whether there is a duty to defend.”). “On the other hand, we have not been blind to the

fact that plaintiffs may have an incentive to draft pleadings in a way that triggers the defendant’s

insurance coverage.” Country Mutual Insurance Co. v. Dahms, 2016 IL App (1st) 141392, ¶ 47,

58 N.E.3d 118. “Even where a complaint alleges an act is ‘negligent,’ if the allegations show that

what is truly alleged can only be characterized as an intentional act, the substance will control over

the moniker placed on it by a plaintiff.” Id. (citing Lexmark International, Inc. v. Transportation

- 13 - Insurance Co., 327 Ill. App. 3d 128, 135-36, 761 N.E.2d 1214, 1221 (2001)). “The complaint must

be read as a whole to assess its true nature.” Owners Insurance Co. v. Don McCue Chevrolet, Inc.,

2022 IL App (2d) 210634, ¶ 19.

¶ 50 In Farmers Automobile Insurance Ass’n v. Danner, 2012 IL App (4th) 110461,

¶ 37, 967 N.E.2d 836, this court explained the inquiry and wrote the following:

“[I]n determining whether an insurance company has a duty to defend, courts are

not required ‘ “to consider each count in isolation and ignore facts pleaded in other

counts,” ’ where the plaintiff has pleaded separate counts against various

defendants but not pleaded in the alternative. SCR Medical Transportation

Services, Inc. v. Browne, 335 Ill. App. 3d 585, 590, 781 N.E.2d 564, 569 (2002)

(quoting Illinois Casualty Co. v. Turpen, 84 Ill. App. 3d 288, 293, 405 N.E.2d 4, 7

(1980)). In Lexmark International, Inc. v. Transportation Insurance Co., 327 Ill.

App. 3d 128, 136-37, 761 N.E.2d 1214, 1222 (2001), the First District considered

all of the facts alleged in two separate complaints in a single analysis of the insurer’s

duty to defend and ‘perform[ed] a textual exegesis on the complaints to determine

whether their factual allegations trigger[ed] the insurance companies’ duty to

defend.’ ” (Emphasis in original.)

¶ 51 This court has repeatedly rejected a plaintiff’s “ ‘transparent attempt to trigger

insurance coverage.’ ” Danner, 2012 IL App (4th) 110461, ¶ 40 (quoting Dial, 355 Ill. App. 3d at

522); see also Allstate Indemnity Co. v. Contreras, 2018 IL App (2d) 170964, ¶ 22, 1099 N.E.3d

894 (same); American Family Mutual Insurance Co. v. Guzik, 406 Ill. App. 3d 245, 248, 941

N.E.2d 936, 940 (2010) (same); State Farm Fire & Casualty Co. v. Watters, 268 Ill. App. 3d 501,

510, 644 N.E.2d 492, 498 (1994) (same).

- 14 - ¶ 52 3. Construction of the Policy

¶ 53 “The primary objective when construing the language of an insurance policy is to

ascertain and enforce the intentions of the parties as expressed in their agreement.” Leighton Legal

Group, LLC, 2018 IL App (4th) 170548, ¶ 40. If the terms of the policy are clear and unambiguous,

they are given their plain and ordinary meaning. Id.; Wilson, 237 Ill. 2d at 455-56. Any ambiguities

or provisions that limit or exclude coverage are construed strictly against the insurer who drafted

the policy and liberally in favor of the insured. Leighton Legal Group, LLC, 2018 IL App (4th)

170548, ¶ 40. “A court must construe the policy as a whole and take into account the type of

insurance purchased, the nature of the risks involved, and the overall purpose of the contract.”

(Internal quotation marks omitted.) Wilson, 237 Ill. 2d at 456.

¶ 54 “If an insurer relies on an exclusionary clause to deny coverage, it must be clear

and free from doubt that the exclusionary clause applies.” Leighton Legal Group, LLC, 2018 IL

App (4th) 170548, ¶ 37. “This is so because there is little or no bargaining involved in the insurance

contracting process [citation], the insurer has control in the drafting process, and the policy’s

overall purpose is to provide coverage to the insured.” Outboard Marine Corp. v. Liberty Mutual

Insurance Co., 154 Ill. 2d 90, 119, 607 N.E.2d 1204, 1217 (1992).

¶ 55 4. The Standard of Review

¶ 56 A trial court’s entry of judgment on the pleadings is reviewed de novo. Hooker,

2016 IL 121077, ¶ 21. Similarly, construction of an insurance policy presents a question of law

that an appellate court reviews de novo. West Bend Mutual Insurance Co. v. Krishna Schaumburg

Tan, Inc., 2021 IL 125978, ¶ 30, 183 N.E.3d 47.

¶ 57 B. This Case

¶ 58 1. The Allegations in the Complaint Fall Outside the Policy’s Coverage

- 15 - ¶ 59 Notwithstanding their assertions to the contrary, Corelis and the medical defendants

essentially ask this court to elevate legal labels over the substance of the factual allegations in the

underlying complaint, thereby permitting plaintiffs to manufacture coverage through clever

lawyering, careful wording, and sophisticated pleading, all calculated to neatly comply with

black-letter law and legal rules in a purely abstract, hyper-technical sense while ignoring reality

and common sense. We emphatically reject these arguments and clarify the standards for

determining whether a complaint invokes a duty to defend.

¶ 60 It is well settled that the substance of the factual allegations of the underlying

complaint—not the legal labels attached thereto—determines whether a claim falls potentially

within coverage. Dial, 355 Ill. App. 3d at 520. This well-known maxim is frequently employed

with respect to motions; the substance of the motion, and not its title, controls. County of Tazwell

ex rel. Hranka v. Zimmerman, 2021 IL App (3d) 200315, ¶ 12, 193 N.E.3d 1270. Both of these

foundational principles are predicated on notions of fairness and equity. Movants cannot avoid the

rules of procedure by merely labeling a motion in a particular fashion or citing a particular statute.

Similarly, clever lawyering and skilled drafting cannot create insurance coverage. Danner, 2012

IL App (4th) 110461, ¶ 32. Courts are well aware that litigants have a great incentive to draft

pleadings so as to bring claims within an insurance policy’s coverage. Dahms, 2016 IL App (1st)

141392, ¶ 47.

¶ 61 Here, Corelis’s negligence counts amount to little more than a groundless attempt

to bring her claims within the policy’s coverage. Any lay person reading the allegations of the

underlying complaint as a whole would easily understand that Corelis seeks to recover for injuries

resulting from a single course of conduct—namely, Karuparthy’s sexual misconduct under the

guise of medical treatment. Any argument to the contrary defies common sense.

- 16 - ¶ 62 All of Corelis’s claims revolve around Karuparthy’s injection of a “medical

substance” that rendered her immobile against her will. Clearly, the purpose of the injection was

to render Corelis immobile so that Karuparthy could engage in sexual misconduct with her. The

injection was an integral part of an intentional plan to commit a criminal act, lacking a legitimate

medical purpose.

¶ 63 Karuparthy did not merely fail to obtain informed consent; he did not obtain any

consent at all. His failure to disclose that the substance was ketamine and that it would render

Corelis immobile was a feature, not a bug. Of course Karuparthy made no attempt to comply with

the standard of care; he was intentionally violating it.

¶ 64 Corelis insists that her intentional tort counts are predicated not on the injection but

on Karuparthy’s sexual assault that followed. Corelis asks this court to believe that the negligence

counts, containing the same core allegations but carefully omitting any sexual misconduct, are

wholly independent and separate from the intentional torts, pleaded in the alternative, asserting

injuries related only to the immobilizing injection. The latter counts, Corelis professes, seek

recovery for errors committed during the course of legitimate medical treatment. Corelis claims

that (1) the sexual misconduct was not guaranteed to occur after Karuparthy’s supposed negligence

rendered her immobile and (2) her injuries from having been rendered immobile would have

occurred regardless of whether Karuparthy subsequently assaulted her.

¶ 65 In essence, Corelis attempts to convince this court that Karuparthy’s assault was a

crime of opportunity, conveniently presented after he negligently—but innocently—administered

ketamine in a manner sure to immobilize her after he just happened to forget to obtain her consent.

We disagree and conclude that the substance of Corelis’s complaint—what she is actually suing

over—is Karuparthy’s immobilizing her without her knowledge and consent only to subsequently

- 17 - touch, grab, fondle, and kiss her.

¶ 66 Courts have long recognized the obvious: a doctor’s sexual misconduct with a

patient is not “medical treatment” because it serves no medical purpose and is committed for the

doctor’s sexual gratification without any professional skill involved, the same as with any other

sex offender. Hoover v. University of Chicago Hospitals, 51 Ill. App. 3d 263, 267, 366 N.E.2d

925, 929 (1977); Professional Solutions Insurance Co. v. Giolas, 297 F. Supp. 3d 805, 811 (N.D.

Ill. 2017). Corelis seeks an end-run around this reality by claiming that the means of accomplishing

the sexual misconduct can be distinguished from the sexual misconduct itself. We emphatically

reject this argument.

¶ 67 Further, the mere fact that Karuparthy used a “medical substance” to incapacitate

Corelis while she was seeking medical treatment from him at his office does not convert an

intentional tort into medical malpractice. As we earlier explained, the substance of the allegations,

not clever draftsmanship, controls whether a legal claim falls within an insurance policy’s

coverage. Danner, 2012 IL App (4th) 110461, ¶ 39. The allegations in Corelis’s complaint make

clear that Karuparthy injected Corelis with a medical substance to immobilize her, not so he could

then perform a legitimate medical procedure (as would be the case with administering anesthesia

before surgery), but so she would be powerless to stop him from sexually violating her. The

purpose of the injection was to enable his subsequent criminal behavior.

¶ 68 Counts I through III assert intentional tort claims predicated upon Karuparthy’s

subsequent sexual misconduct after administering an injection that rendered Corelis immobile.

However, counts IV through VI assert that the administration of the immobilizing drug by itself

caused the injuries for which Corelis seeks to recover.

¶ 69 Although the negligence counts are arguably pleaded in the alternative to the

- 18 - intentional tort counts, no rule of law requires this court to ignore the foundational allegations of

the other counts in the complaint, particularly when the negligence counts utterly fail to explain

how Karuparthy’s purported medical negligence caused an injury distinct from those asserted in

the intentional tort counts. This is, of course, the point made in Danner.

¶ 70 To be clear, in counts I through III, Corelis alleges she was injured as a direct result

of Karuparthy’s sexual misconduct (touching, grabbing, fondling, kissing). In count IV, Corelis

alleges she was falsely imprisoned by the administration of a drug that constrained and impaired

her ability to move and, while she was constrained, Karuparthy sexually assaulted her. The

allegations of sexual assault are not an essential part of the false imprisonment claim as alleged.

The false imprisonment was accomplished purely by the administration of a medical substance

that constrained Corelis’s ability to move and restrained her freedom. Any actions taken by

Karuparthy after immobilizing Corelis do not pertain to whether he falsely imprisoned Corelis.

¶ 71 In counts V and VI, Corelis alleges negligence predicated explicitly on that same

immobilization and her lack of knowledge and consent to the administration of the immobilizing

drug. Corelis alleges that Karuparthy “directly and proximately” immobilized her because he failed

(1) to obtain informed consent, (2) to advise of the side effects, (3) to conduct a proper physical

examination, and (4) to make a diagnosis. Importantly, the description of the injection and its

effects were identical in counts IV though VI. Those counts allege that Corelis’s movement was

“constrained” by the unauthorized injection and Corelis sustained damages as a result of her being

constrained or rendered immobile. Yet, Corelis never alleges how the injection caused her an

injury apart from the sexual assault; she merely alleges conclusory harms “[a]s a direct and

proximate result of that immobility.” (Emphasis added.)

¶ 72 To the extent that Karuparthy failed to obtain consent or explain side effects (which

- 19 - is essentially the same claim), Corelis’s allegations amount to a medical battery—that is, a

complete lack of consent for the procedure administered. Those allegations do not constitute a

claim for lack of informed consent—that is, a claim that Corelis consented to the administration

of the medical substance but would not have consented if Karuparthy had complied with the

standard of care and advised her of the benefits and risks of the procedure. See Fiala v. Bickford

Senior Living Group, LLC, 2015 IL App (2d) 150067, ¶ 36, 43 N.E.3d 1234 (“As we have

discussed, plaintiff did not plead a lack of informed consent, but pleaded instead a complete lack

of consent. This is key, because the cases distinguish between a lack of consent for the contested

act (generally battery) and a lack of informed consent for the contested act (negligence).”).

¶ 73 The allegations of the underlying complaint paint a clear, cohesive (and disturbing)

course of conduct by Karuparthy. Contrary to Corelis’s wishes, this court need not—indeed,

cannot—blind itself to Karuparthy’s clear criminal scheme merely because Corelis labels the same

conduct as “negligent” and omits the specific allegations of sexual misconduct to invoke coverage

by Karuparthy’s malpractice insurer.

¶ 74 In support of our conclusion, we reiterate what this court wrote in Danner:

“[I]n determining whether an insurance company has a duty to defend, courts are

not required to consider each count in isolation and ignore facts pleaded in other

counts, where the plaintiff has pleaded separate counts against various defendants.”

(Emphasis in original and internal quotation marks omitted.) Danner, 2012 IL App

(4th) 110461, ¶ 37.

We add, as shown by the pleadings in this case, that courts should consider each count in a

plaintiff’s complaint to determine (1) what the plaintiff’s complaint is really alleging and

(2) considering the totality of the plaintiff’s complaint, whether an insurance company has a duty

- 20 - to defend.

¶ 75 2. The Physician’s Report Submitted Pursuant to Section 2-622 of the Code of Civil

Procedure May Not Be Used To Support Corelis’s Position

¶ 76 Our distinguished dissenting colleague correctly observes that a motion for

judgment on the pleadings pursuant to section 2-615(e) of the Code is essentially a motion for

summary judgment that is limited to the pleadings. However, we disagree with the dissent that

when a motion for judgment on the pleadings is so viewed, a section 2-622 report may be

considered. For the reasons that follow, we conclude that the section 2-622 report attached to

Corelis’s underlying complaint cannot be considered part of the complaint when determining

whether the allegations potentially fall within coverage.

¶ 77 When a litigant files a section 2-619(a)(9) motion that is mistakenly based on

affidavits or evidence that do nothing more than negate the essential allegations of a complaint,

courts have sometimes construed those mischaracterized motions as motions for summary

judgment, particularly when the trial court and parties treat them as such. See, e.g., Howle v. Aqua

Illinois, Inc., 2012 IL App (4th) 120207, ¶¶ 31-39. Courts do this because proper section

2-619(a)(9) motions, which must be supported by affidavits or other evidence outside of the

complaint, are evaluated in a manner essentially the same as a motion for summary judgment.

Kedzie & 103rd Currency Exchange, Inc. v. Hodge, 156 Ill. 2d 112, 116, 619 N.E.2d 732, 735

(1993). Both a proper section 2-619(a)(9) motion and a motion for summary judgment rely on

materials not contained in the complaint, and those materials are most commonly affidavits, which

must be prepared in accordance with Illinois Supreme Court Rule 191(a) (eff. Jan. 4, 2013). See

Stone Street Partners, LLC v. City of Chicago Department of Administrative Hearings, 2017 IL

117720, ¶ 4, 88 N.E.3d 699 (stating that a reviewing court “may consider all facts presented in the

- 21 - pleadings, affidavits, and depositions found in the record” when ruling on a section 2-619 motion).

“A section 2-619(a)(9) motion shares procedural similarities with a summary judgment motion in

that affidavits and other evidentiary matter [are] permitted to support the affirmative matter ***.”

Reynolds v. Jimmy John’s Enterprises, LLC, 2013 IL App (4th) 120139, ¶ 53, 988 N.E.2d 984.

¶ 78 In this case, because Corelis did not submit an affidavit or any evidence not

contained within the declaratory judgment complaint and the exhibits attached thereto, treating

Corelis’s motion as seeking summary judgment would be inappropriate. The more logical

approach is to treat Corelis’s motion as seeking a judgment based on the pleadings, which is

exactly what the parties and trial court did.

¶ 79 Corelis’s motion to dismiss pursuant to section 2-619(a)(9) could not comply with

the requirements of section 2-619(a)(9) because a section 2-622 affidavit, on its own, does not

comply with Rule 191(a), which governs the submission of affidavits in support of section 2-619

motions. Corelis did not attempt to comply with Rule 191; instead, she merely attached a copy of

the section 2-622 affidavit she had filed in this case, noting that Professional Solutions neglected

to include it as part of the underlying complaint even though Corelis had attached it to that

complaint.

¶ 80 This court has long held that a section 2-622 affidavit does not comply with the

requirements of Rule 191. Essig v. Advocate BroMenn Medical Center, 2015 IL App (4th) 140546,

¶¶ 41-49. Further, the parties’ belief that the section 2-622 affidavit should be considered a part of

the complaint is incorrect. See, e.g., Osten v. Northwestern Memorial Hospital, 2018 IL App (1st)

172072, ¶ 24, 116 N.E.3d 216; Garisson v. Choh, 308 Ill. App. 3d 48, 56-57, 719 N.E.2d 237, 243

(1999). In Osten, the First District wrote the following:

“[P]laintiff’s contention that the health professional’s report attached to a section

- 22 - 2-622 affidavit is to be treated as part of the complaint was rejected in Garrison v.

Choh, 308 Ill. App. 3d 48[, 719 N.E.2d 237] (1999). There, we observed that the

purpose of a section 2-622 affidavit and a health professional report is ‘not to

bolster or enhance [the] complaint but to satisfy the requirements of section 2-622

of the Code.’ Id. at 56. The health professional’s report certifies that the plaintiff’s

action has reasonable merit, and the report must provide reasons for that

determination, but ‘those reasons cannot be said to be incorporated into the

complaint for purposes of determining the misconduct of the defendant for which

the plaintiff seeks recovery.’ Id. at 56-57. Therefore, the factual assertions in the

physician’s report attached to the section 2-622 affidavit are not considered to be a

part of plaintiff’s complaint.” Osten, 2018 IL App (1st) 172072, ¶ 24.

We agree with the First District’s opinion in Osten and view it as consistent with what this court

wrote in Essig.

¶ 81 Corelis’s motion, properly construed, sought a substantive ruling on the merits that

the policy required Professional Solutions to defend the underlying action because the underlying

complaint alleged facts that fell potentially within the policy’s coverage. Indeed, the trial court

understood Corelis to be seeking relief on the merits because that is exactly the relief it provided

when granting the motion to dismiss. The court found that Professional Solutions had a duty to

defend the claims in the underlying complaint because the allegations stated a valid claim for

negligence covered by the policy. Because the trial court’s ruling addressed the merits of the

declaratory judgment action, it constituted a judgment on the pleadings. Accordingly, the issue

before us is whether judgment on the pleadings in favor of Corelis was proper.

¶ 82 We emphasize that, although a section 2-622 affidavit could be considered part of

- 23 - the complaint in some instances, it plays no role in a procedure like the one in the present case—

namely, a motion for judgment on the pleadings—which is essentially akin to a motion for

summary judgment. This court explained at length in Essig why section 2-622 affidavits fail to

meet the requirements of Rule 191(a), and that same analysis applies in this case. Further, it makes

no difference which party is asking the trial court at the hearing on the motion for judgment on the

pleadings to consider the section 2-622 affidavit; the court’s consideration of the section 2-622

affidavit would be improper no matter which party asked the court to consider it.

¶ 83 3. The Criminal Conduct Exclusion Applies

¶ 84 We note that the trial court did not consider the exclusionary provisions of the

policy. Although we have concluded that the allegations of the underlying complaint do not fall

within the policy’s coverage, we nonetheless address the policy exclusions asserted by

Professional Solutions.

¶ 85 a. Judicial Notice of the Charging Documents

¶ 86 Professional Solutions first argues that Karuparthy’s pleading guilty to crimes

arising out of the allegations of the underlying complaint trigger the criminal acts exclusion.

Professional Solutions likewise argues that Karuparthy’s convictions fall under the sexual

misconduct exclusions. In support of these arguments, Professional Solutions included in the

appendix to its brief copies of the criminal charges against Karuparthy that initiated the criminal

case described in the declaratory judgment complaint.

¶ 87 These documents show that on December 19, 2018, the State charged Karuparthy

by information with two counts of criminal sexual abuse (720 ILCS 5/11-1.50(a)(2) (West 2018)).

The charges alleged that on August 23, 2018, Karuparthy, “knowing that [Corelis] was unable to

give knowing consent, committed an act of sexual conduct with [Corelis], in that [Karuparthy]

- 24 - touched [her] vagina” and “fondled [her] breast” for the purpose of sexual gratification.

¶ 88 Corelis asserts that we should not consider the charging documents because

Professional Solutions did not present them to the trial court and attempts to supplement the record

so it can present the evidence for the first time on appeal. For their part, the medical defendants

concede that the charging documents were appropriately before the trial court. Professional

Solutions responds that this court may take judicial notice of the charging documents because they

are court records. We agree with Professional Solutions.

¶ 89 No party contests the validity of the charging documents, which constitute judicial

records capable of judicial notice. In re M.S., 2015 IL App (4th) 140857, ¶ 42, 29 N.E.3d 1241.

Moreover, a court may consider all facts capable of judicial notice when deciding a motion for

judgment on the pleadings. Hooker, 2016 IL 121077, ¶ 21. As the First District explained in

Dahms, 2016 IL App (1st) 141392, ¶ 77:

“We acknowledge that our consideration of the fact of Dahms’s conviction,

raised in Country Mutual’s amended declaratory-judgment action, is evidence that

is beyond the four corners of Enadeghe’s complaint. Nonetheless, ‘under certain

circumstances, [a court may] look beyond the underlying complaint in order to

determine an insurer’s duty to defend.’ Pekin Insurance Co., 237 Ill. 2d at 459. ‘In

fact, “ ‘[t]he only time such evidence should not be permitted is when it tends to

determine an issue crucial to the underlying lawsuit.’ ” ’ (Emphasis in

original.) Bartkowiak[ v. Underwriters at Lloyd’s, London], 2015 IL App (1st)

133549, ¶ 21[, 39 N.E.3d 176] (quoting Pekin Insurance Co., 237 Ill. 2d at 461,

quoting Fidelity & Casualty Co. of New York v. Envirodyne Engineers, Inc., 122

Ill. App. 3d 301, 305[, 461 N.E.2d 471] (1983)). As the supreme court explained,

- 25 - ‘ “[t]o require the trial court to look solely to the complaint in the underlying action

to determine coverage would make the declaratory proceeding little more than a

useless exercise possessing no attendant benefit and would greatly diminish a

declaratory action’s purpose of settling and fixing the rights of the parties.” ’

(Emphasis omitted.) Pekin Insurance Co., 237 Ill. 2d at 461 (quoting Envirodyne

Engineers, Inc., 122 Ill. App. 3d at 304-05); see also American Economy Insurance

Co. v. Holabird & Root, 382 Ill. App. 3d 1017, 1032[, 886 N.E.2d 1166]

(2008) (‘the trial court need not wear judicial blinders and may look beyond the

complaint at other evidence appropriate to a motion for summary judgment’

(internal quotation marks omitted)).”

¶ 90 We note that the Third District recently reaffirmed these principles in Erie

Insurance Co. v. Gibbs, 2023 IL App (3d) 220143, ¶¶ 27-32. In that case, the Third District

affirmed the trial court’s judgment, which found the evidence conclusively established that the

insured acted intentionally. Id. ¶ 2. That finding meant the insured’s conduct was excluded from

coverage by the insurance policies. Id. We acknowledge that the facts in Erie are, of course, quite

different from those in the present case. Nonetheless, we conclude that the Third District’s

discussion about “extrinsic evidence from criminal convictions,” which can be used to determine

whether a duty to defend arises (id. ¶¶ 27-32), supports our application of those same principles in

this case.

¶ 91 b. The Factual Bases for Karuparthy’s Pleas

¶ 92 Alternatively, Corelis and the medical defendants argue that this court cannot rely

on the original charging documents because Karuparthy did not plead guilty to those charges.

Instead, Karuparthy pleaded guilty to amended charges of assault and reckless conduct. They note

- 26 - that Professional Solutions did not include the amended charging documents in the record, nor did

Professional Solutions include a report of proceedings from the guilty plea hearing, which would

have established the factual basis for the pleas. Without this information, they maintain, this court

can only speculate as to what specific criminal acts Karuparthy admitted committing.

¶ 93 Professional Solutions could have easily prevented this argument by including the

factual basis in any appropriate form in the record to the trial court, such as the report of

proceedings or amended charges filed by the State. Nonetheless, we conclude that Professional

Solutions’ failure to abide by best practices does not change our analysis.

¶ 94 To begin, we deem significant that the medical defendants do not contest that

Karuparthy admitted (1) he engaged in criminal conduct on August 23, 2018, when he purportedly

treated Corelis and (2) the criminal convictions to which he pleaded guilty arose out of the same

allegations contained in the underlying complaint. Corelis and the medical defendants make much

of the mental states and potential acts required for the crimes to which Karuparthy pleaded guilty,

which are reckless conduct and assault. Corelis and the medical defendants ignore the judicial

admissions contained in the pleadings.

¶ 95 In this case, Professional Solutions alleged in its declaratory judgment complaint

that Karuparthy was charged with crimes arising out of the allegations in the underlying complaint.

In the medical defendants’ answer to the declaratory judgment complaint, the medical defendants

admitted, in their own words, that “the Criminal Case arose out of the same transaction or

occurrence that gave rise to the Corelis lawsuit, rather than it is ‘based on the same events which

gave rise to the Corelis lawsuit.’ ” They further admitted that Karuparthy pleaded guilty to reckless

conduct and assault in the criminal case predicated on (or at least, “arising out of”) the allegations

in the underlying complaint.

- 27 - ¶ 96 We again note that the underlying complaint alleges that Karuparthy (1) injected

Corelis with a substance that rendered her immobilized, (2) immobilized her without her consent

and without informing her of the potential side effects of the substance, (3) kissed, fondled, and

touched Corelis while she was immobilized, (4) left her alone while under the effects of the

immobilizing drug, and (5) left again after seeing she was hemodynamically compromised. Corelis

alleged that as a result of her immobilization, she suffered severe physical and emotional pain and

suffering, including fear of being raped.

¶ 97 No matter how one construes these allegations in relation to the elements of the

crimes to which Karuparthy pleaded guilty, the only conclusion based upon the pleadings and

admissions in the record is that Karuparthy’s criminal actions are the same as the acts that gave

rise to the underlying complaint. If one ignores the negligence claims entirely, then one must

conclude that Karuparthy committed the offense of assault by immobilizing Corelis and placing

her in imminent fear of being raped. Conversely, if one considers only the negligence claims, one

must conclude that Karuparthy committed (1) assault by immobilizing Corelis without her consent

and (2) reckless conduct by leaving the examination room after giving the immobilizing injection.

In short, when Karuparthy pleaded guilty to crimes arising out of the same conduct alleged in the

underlying complaint, the criminal acts exclusion applied, and Professional Solutions had no duty

to defend.

¶ 98 The medical defendants contend that the criminal convictions cannot be used to

show that he committed the intentional conduct of touching, grabbing, fondling, and kissing

Corelis. The medical defendants completely miss the point.

¶ 99 The criminal acts exclusion applies to more than just sexual misconduct. The

medical defendants seem to think that if the criminal convictions cannot be directly tied to a sexual

- 28 - assault, then Professional Solutions must be required to defend. Even in the arguments they make

concerning the negligence counts, the medical defendants argue only that the convictions cannot

prove that Karuparthy engaged in sexual assault. However, Karuparthy’s guilty pleas exclude

coverage irrespective of whether he engaged in sexual misconduct.

¶ 100 If Karuparthy engaged in criminal conduct that gave rise to a civil claim, the policy

excludes coverage whether or not the criminal acts were committed intentionally, knowingly, or

recklessly. The medical defendants admit that the convictions arise out of the same transaction or

occurrence as the allegations in the underlying complaint. Corelis, obviously, seeks recovery for

the same (criminal) conduct. Accordingly, the criminal acts exclusion applies irrespective of

whether Karuparthy pleaded guilty to sexual misconduct or “merely” to criminal conduct during

the course of “treating” Corelis.

¶ 101 The intentional torts asserted by Corelis are clearly not covered by the policy.

Therefore, if Karuparthy’s convictions for assault and reckless conduct pertain to the alleged

negligent conduct, that suffices to trigger the exclusion.

¶ 102 4. The Guilty Pleas Are Inconsistent With Negligence

¶ 103 The trial court found that Karuparthy’s guilty plea was mere “prima facie evidence

of intentional conduct.” The court’s conclusion was both incorrect and misguided.

¶ 104 For the reasons we just explained, Karuparthy’s guilty pleas demonstrated that his

conduct could not have been negligent. Assault requires intentional or knowing actions. Reckless

conduct requires a conscious disregard of a known and unjustifiable risk. Both of these crimes are

necessarily inconsistent with negligent conduct. Accordingly, the trial court erred when it found

that the convictions were not conclusive evidence of intentional conduct.

¶ 105 Moreover, as explained by the First District in Dahms, the criminal acts exclusion

- 29 - is not coextensive with the intentional acts exclusions. Indeed, the criminal acts exclusion is clearly

and purposefully broader than the intentional acts exclusions. Karuparthy unequivocally admitted

that he pleaded guilty to crimes arising out of the same conduct described in the underlying

complaint. That conduct was unquestionably criminal in nature. Accordingly, the trial court erred

by failing to analyze the criminal acts exclusions, and we conclude that Karuparthy’s guilty pleas

excused Professional Solutions’ duty to defend.

¶ 106 We reverse the judgment of the trial court and remand with directions for it to enter

judgment in favor of Professional Solutions on its declaratory judgment complaint.

¶ 107 III. CONCLUSION

¶ 108 For the reasons stated, we reverse the trial court’s order granting Corelis’s motion

to dismiss and remand with directions to enter judgment in favor of Professional Solutions on its

declaratory judgment complaint.

¶ 109 Reversed and remanded with directions.

¶ 110 JUSTICE HARRIS, dissenting:

¶ 111 I respectfully dissent. On appeal, Professional Solutions argues the trial court erred

by granting Corelis’s motion to dismiss its declaratory judgment action and denying its motion for

judgment on the pleadings. It contends it owed no duty to defend in the underlying action based

upon Karuparthy’s criminal convictions “that arose out of the same facts and circumstances” as

those alleged in Corelis’s underlying complaint. For the reasons that follow, I would find that the

court should have denied both Corelis’s motion to dismiss and Professional Solutions’s motion for

judgment on the pleadings. Because I find questions of material fact exist regarding whether

Professional Solutions had a duty to defend, I would hold that remand for further proceedings in

the declaratory judgment action is required.

- 30 - ¶ 112 A. The Parties’ Motions and Standard of Review

¶ 113 1. Corelis’s Motion to Dismiss

¶ 114 The record shows Corelis brought her motion to dismiss the declaratory judgment

action pursuant section 2-619(a)(9) of the Code (735 ILCS 5/2-619(a)(9) (West 2020)), which

permits involuntary dismissal when “the claim asserted against [the] defendant is barred by other

affirmative matter avoiding the legal effect of or defeating the claim.” On appeal, Professional

Solutions contends Corelis’s motion to dismiss was brought and considered under the wrong

statutory section. It maintains that because Corelis was, in substance, challenging the sufficiency

of the complaint itself, her motion to dismiss should have been brought under section 2-615 of the

Code (735 ILCS 5/2-615 (West 2020)). I agree with that contention.

¶ 115 “A motion to dismiss under section 2-615 challenges the legal sufficiency of the

plaintiff’s claim, while a motion to dismiss under section 2-619 admits the legal sufficiency of the

claim but asserts defenses or defects outside the pleading to defeat the claim.” Cahokia Unit School

District No. 187 v. Pritzker, 2021 IL 126212, ¶ 23, 184 N.E.3d 233. When ruling on a section

2-615 motion to dismiss, “a court must determine whether the facts alleged in the complaint,

viewed in the light most favorable to the plaintiff and taking all well-pleaded facts as true, are

sufficient to state a cause of action upon which relief may be granted.” Rehfield v. Diocese of

Joliet, 2021 IL 125656, ¶ 20, 182 N.E.3d 123. “A court should not dismiss a complaint pursuant

to [section 2-615] unless it is clearly apparent that no set of facts can be proved that would entitle

the plaintiff to recovery.” Id. “In ruling on a section 2-615 motion, only those facts apparent from

the face of the pleadings, matters of which the court can take judicial notice, and judicial

admissions in the record may be considered.” K. Miller Construction Co. v. McGinnis, 238 Ill. 2d

284, 291, 938 N.E.2d 471, 477 (2010).

- 31 - ¶ 116 Ultimately, both types of motions to dismiss admit “as true all well-pleaded facts

and all reasonable inferences from those facts.” Cahokia Unit School District No. 187, 2021 IL

126212, ¶ 24. “When ruling on a motion to dismiss under either section ***, a court must construe

the pleadings and supporting documents in the light most favorable to the nonmoving party.” Id.

Additionally, review under either section is de novo. Id.

¶ 117 In her motion to dismiss, Corelis alleged that the declaratory judgment action was

“defeat[ed]” by (1) the negligence claims set forth in counts V and VI of her underlying complaint

and (2) the section 2-622 physician’s report that was filed in support of her underlying complaint.

Although she characterized her negligence claims and section 2-622 physician’s report as

“affirmative matters” that defeated the declaratory judgment cause of action, such matters are more

accurately described as part of the declaratory judgment complaint itself.

¶ 118 Significantly, a document that is attached to a complaint as an exhibit is “considered

to be part of the pleading, and facts stated in the exhibit are considered as having been alleged in

the complaint.” Tucker v. Soy Capital Bank & Trust Co., 2012 IL App (1st) 103303, ¶ 22, 974

N.E.2d 820. “[M]atters contained in such exhibits which conflict with allegations of the complaint

negate any contrary allegations of the complaint.” (Internal quotation marks omitted.) Id. ¶ 23; see

also Van Duyn v. Smith, 173 Ill. App. 3d 523, 538, 527 N.E.2d 1005, 1015 (1988) (“Only well-

pleaded facts are admitted by a section 2-615 motion to dismiss and it is commonly understood

that attached exhibits supercede any inconsistent allegations of a complaint.”). As a result, “a

motion to dismiss a complaint with attached exhibits is still considered as one brought under

section 2-615 under which [courts] look only to the sufficiency of the pleadings.” Tucker, 2012 IL

App (1st) 103303, ¶ 22.

¶ 119 In this case, Professional Solutions attached Corelis’s underlying complaint to its

- 32 - declaratory judgment complaint. Thus, the underlying complaint, and Corelis’s negligence claims,

became part of its pleading in the declaratory judgment action.

¶ 120 Although the section 2-622 affidavit and physician’s report were not attached to the

declaratory judgment complaint, there is no dispute by the parties that those materials should have

been attached as an exhibit and considered as part of Professional Solutions’s pleading. Both

before the trial court and on appeal, Professional Solutions has maintained that the failure to attach

the physician’s report to its declaratory judgment complaint was inadvertent. In its appellant’s

brief, it acknowledges that the physician’s report “should be considered as part of the Complaint

for Declaratory Judgment.” Also, although not attached, we may take judicial notice of the

existence of the affidavit and report. See Phusion Projects, Inc. v. Selective Insurance Co. of South

Carolina, 2015 IL App (1st) 150172, ¶ 9 n.2, 46 N.E.3d 1190 (“Although the underlying

complaints were not attached as exhibits to the operative pleading, we will take judicial notice of

them as matters of public record.”).

¶ 121 The majority finds that the section 2-622 affidavit and physician’s report should

not be considered at all in this case. It points to case authority that holds such materials (1) do “not

comply with Illinois Supreme Court Rule 191(a) (eff. Jan. 4, 2013), which governs the submission

of affidavits in support of section 2-619 motions,” and (2) may not be considered as part of a

medical malpractice complaint. Supra ¶¶ 79-80; see Essig, 2015 IL App (4th) 140546, ¶ 43

(finding a section 2-622 physician’s report was insufficient for the purpose of opposing a

defendant’s motion for summary judgment in a medical malpractice action); Osten, 2018 IL App

(1st) 172072, ¶¶ 10-11, 24 (finding factual assertions in a section 2-622 physician’s report may

not be considered to be a part of the plaintiff’s medical malpractice complaint when considering

the propriety of a section 2-619 dismissal); Garisson, 308 Ill. App. 3d at 57 n.3 (holding section

- 33 - 2-622 materials were not incorporated into the plaintiff’s medical malpractice complaint for

purposes of determining what issues were raised for trial); but see Collins v. Superior Air-Ground

Ambulance Service, Inc., 338 Ill. App. 3d 812, 817, 789 N.E.2d 394, 398 (2003) (holding “the

facts alleged in the physician’s affidavit attached to the medical malpractice complaint pursuant to

section 2-622 of the [Code] are part of the complaint” when considering whether a section 2-615

dismissal was appropriate). While I do not dispute the holdings in the cases the majority cites, I do

find them inapposite to the circumstances presented here.

¶ 122 The case at bar arises from a complaint for a declaratory judgment regarding an

insurer’s duty to defend, not a medical malpractice action. It is the attachment of materials to the

declaratory judgment complaint, not Corelis’s underlying complaint alleging medical negligence,

that is at issue. As noted, Professional Solutions agrees that the section 2-622 physician’s report

was inadvertently omitted from its pleading and that it should be “considered as part of the

Complaint for Declaratory Judgment.” Additionally, unlike Essig, the section 2-622 affidavit and

physicians report were not being offered in this case as a substitute for trial testimony in opposition

to a motion for summary judgment. See Essig, 2015 IL App (4th) 140546, ¶¶ 45-46 (discussing

what is required when a party offers expert opinions in written form at the summary judgment

stage).

¶ 123 The pertinent issue here is whether Corelis’s complaint has alleged claims that

potentially fall within coverage of the insurance policy or whether they amount to a “groundless

attempt” to trigger coverage. Supra ¶ 61. Both the section 2-622 physician’s report and the

underlying complaint attached as an exhibit to the complaint for declaratory judgment are relevant

to a consideration of that issue. Matters contained in the physician’s report and the underlying

complaint that conflict with allegations of the declaratory judgment complaint “negate any

- 34 - contrary allegations” of the declaratory judgment complaint. (Internal quotation marks omitted.)

Tucker, 2012 IL App (1st) 103303, ¶ 23. The physician’s report is also relevant to showing the

potential for amendment of Corelis’s medical negligence claims, which, as noted by the dissent in

Danner, should be liberally allowed. See Grove v. Carle Foundation Hospital, 364 Ill. App. 3d

412, 417, 846 N.E.2d 153, 157 (2006) (“Illinois law supports a liberal policy of allowing

amendments to the pleadings so as to enable parties to fully present their alleged cause or causes

of action.”); see also Danner, 2012 IL App (4th) 110461, ¶ 57 (Pope, J., concurring in part and

dissenting in part).

¶ 124 Here, I find Corelis’s challenge to the declaratory judgment complaint amounted to

a challenge to the legal sufficiency of that complaint based upon alleged defects that were apparent

from its face, i.e., that the allegations of the underlying complaint, attached to the declaratory

judgment complaint, negated Professional Solutions’s assertion that it had no duty to defend.

Rehfield, 2021 IL 125656, ¶ 20 (stating a section 2-615 motion to dismiss “challenges the legal

sufficiency of a complaint by alleging defects on the face of the complaint”). Accordingly,

Corelis’s motion to dismiss should have been brought under section 2-615 of the Code and the

motion should not have been granted unless it was clearly apparent that no set of facts could be

proved that would entitle Professional Solutions to recovery.

¶ 125 2. Professional Solutions’s Motion for Judgment on the Pleadings

¶ 126 Professional Solutions filed a motion for judgment on the pleadings pursuant to

section 2-615(e) of the Code (735 ILCS 5/2-615(e) (West 2020)), which provides that “[a]ny party

may seasonably move for judgment on the pleadings.” Such a motion “is essentially a motion for

summary judgment that is limited to the pleadings.” In re Appointment of Special Prosecutor, 2019

IL 122949, ¶ 52, 129 N.E.3d 1181. “In ruling on the motion, a court will consider only those facts

- 35 - apparent from the face of the pleadings, matters subject to judicial notice, and judicial admissions

in the record.” Id. “All well-pleaded facts and reasonable inferences therefrom are taken as true.”

Id. “Judgment on the pleadings is proper when the pleadings disclose no genuine issue of material

fact and the movant is entitled to judgment as a matter of law.” Id. “A circuit court’s rulings on

*** a motion for judgment on the pleadings [is] subject to de novo review.” State Bank of Cherry

v. CGB Enterprises, Inc., 2013 IL 113836, ¶ 65, 984 N.E.2d 449.

¶ 127 B. Insurer’s Duty to Defend

¶ 128 “[T]he insurer’s duty to defend its insured is broader than its duty to indemnify.”

Pekin Insurance Co. v. Wilson, 237 Ill. 2d 446, 456, 930 N.E.2d 1011, 1017 (2010). “In a

declaratory judgment action ***, where the issue is whether the insurer has a duty to defend, a

court ordinarily looks first to the allegations in the underlying complaint and compares those

allegations to the relevant provisions of the insurance policy.” Id. at 455. “If the underlying

complaint alleges facts within or potentially within policy coverage, an insurer is obligated to

defend its insured even if the allegations are groundless, false or fraudulent.” General Agents

Insurance Co. of America, Inc. v. Midwest Sporting Goods Co., 215 Ill. 2d 146, 155, 828 N.E.2d

1092, 1098 (2005). “The allegations in the underlying complaint must be liberally construed in

favor of the insured.” Id. “[I]f several theories of recovery are alleged in the underlying complaint

against the insured, the insurer’s duty to defend arises even if only one of several theories is within

the potential coverage of the policy.” Id.

¶ 129 It is true that courts “have not been blind to the fact that plaintiffs may have an

incentive to draft pleadings in a way that triggers the defendant’s insurance coverage.” Country

Mutual Insurance Co. v. Dahms, 2016 IL App (1st) 141392, ¶ 47, 58 N.E.3d 118. “Even where a

complaint alleges an act is ‘negligent,’ if the allegations show that what is truly alleged can only

- 36 - be characterized as an intentional act, the substance will control over the moniker placed on it by

a plaintiff.” Id.

¶ 130 However, “a pleading is not a transparent attempt to plead into coverage when the

facts support a cause of action.” Pekin Insurance Co. v. Johnson-Downs Construction, Inc., 2017

IL App (3d) 160601, ¶ 20, 87 N.E.3d 295. Further, it should be a “ ‘rare’ ” occurrence that a court

is “so confident that the allegations could not possibly be considered to describe ‘negligent’

conduct, and can only be credibly characterized as intentional conduct, that [it] can say that the

allegations in an underlying complaint could not even potentially fall within the coverage of a

policy.” (Emphasis in original.) Dahms, 2016 IL App (1st) 141392, ¶ 54.

¶ 131 C. This Case

¶ 132 On appeal, Professional Solutions argues that once Karuparthy pleaded guilty in his

criminal case to charges “that arose out of the same facts and circumstances” as the underlying

complaint, the totality of his actions during the August 2018 medical visit could only be considered

intentionally wrongful or criminal in nature and not negligent. It maintains that, as a result, it is

clear that the allegations of the underlying complaint could not even potentially fall within

coverage of the policy at issue and that Corelis’s allegations, instead, fell within several policy

exclusions. Professional Solutions further contends that, due to the guilty plea, Corelis is

collaterally estopped from alleging that Karuparthy’s actions were negligent.

¶ 133 I disagree. I find that in counts V and VI of her underlying complaint, Corelis

alleged claims of medical negligence that could potentially be within the coverage of the policy.

In cases such as this one, the potential for coverage is the key factor for consideration. Moreover,

Professional Solutions’s allegations regarding Karuparthy’s criminal case and his guilty plea do

not establish, as a matter of law, that the alleged acts which formed the basis for Corelis’s

- 37 - negligence counts constituted only intentional or criminal wrongs by Karuparthy and not

negligence.

¶ 134 1. Allegations in the Underlying Complaint

¶ 135 There is no dispute that the policy at issue covered claims of medical negligence in

“the diagnosis of, treatment or medical care for[,] or medical consultation regarding a patient’s

medical condition.” There is also no dispute that intentional tort claims were both not covered

under the policy and, in fact, explicitly excluded from coverage.

¶ 136 Here, in counts I through IV of her underlying complaint, Corelis clearly brought

claims for intentional torts, which were not covered under the policy. Specifically, counts I through

III—asserting claims for battery, assault, and intentional infliction of emotional distress—

contained allegations that during his medical treatment of Corelis, Karuparthy “repeatedly and

intentionally touched, grabbed, fondled, and kissed [Corelis’s] person.” In count IV, Corelis

asserted a claim for false imprisonment, alleging Karuparthy injected her with a medical substance

that impaired her ability to move and “constituted a restraint on her freedom and her ability to

leave the room” when he committed the above unwanted sexual acts.

¶ 137 In counts V and VI, Corelis alleged negligence against Karuparthy and Integrative

Pain Centers. She asserted various negligent omissions surrounding the injection of the medical

substance that impaired her movement. In its declaratory judgment complaint, Professional

Solutions alleged that all six counts of Corelis’s underlying complaint arose out of “Karuparthy’s

intentional act of injecting Corelis with a substance that limited her movement and allowed [him]

to touch, grab fondle, and kiss Corelis’[s] person,” and it noted that such unwanted sexual conduct

fell outside the scope of the policy’s definition of “ ‘Professional Services.’ ” Critically, however,

there is nothing on the face of the underlying complaint that indicates Corelis’s negligence claims

- 38 - were in anyway based or dependent upon proof of the factual allegations of unwanted sexual

touching, facts that were indispensable to the claims set forth in counts I through IV. Although all

counts shared some common factual allegations, counts V and VI do not describe the intentionally

wrongful acts set forth in counts I through IV.

¶ 138 In counts V and VI of her complaint, Corelis also set forth a different description

of injury than appeared elsewhere in her underlying complaint. Specifically, she asserted injuries

that included past and future medical treatment, pain and discomfort, loss of normal life, and

emotional distress. Again, counts I through IV of the underlying complaint all alleged injuries

connected to the alleged unwanted sexual conduct. Nothing on the face of the underlying complaint

indicates Corelis was claiming the same injuries in counts V and VI as she did in counts I through

IV. Further, although the majority suggests Corelis’s allegations were impermissibly vague, stating

her negligence counts “utterly fail to explain how Karuparthy’s purported medical negligence

caused an injury distinct from those asserted in the intentional tort counts” (supra ¶ 69), it has been

stated that “even ‘vague, ambiguous allegations against an insured should be resolved in favor of

finding a duty to defend.’ ” Acuity v. M/I Homes of Chicago, LLC, 2022 IL App (1st) 220023, ¶ 49,

205 N.E.3d 174 (quoting Illinois Tool Works Inc. v. Travelers Casualty & Surety Co., 2015 IL

App (1st) 132350, ¶ 26, 26 N.E.3d 421).

¶ 139 As noted above, “a pleading is not a transparent attempt to plead into coverage

when the facts support a cause of action.” Johnson-Downs Construction, Inc., 2017 IL App (3d)

160601, ¶ 20. In this instance, Corelis alleged facts to support her negligence claims.

¶ 140 In a medical negligence case, a plaintiff must prove certain elements: “ ‘the proper

standard of care against which the defendant physician’s conduct is measured; an unskilled or

negligent failure to comply with the applicable standard; and a resulting injury proximately caused

- 39 - by the physician’s want of skill or care.’ ” Sullivan v. Edward Hospital, 209 Ill. 2d 100, 112, 806

N.E.2d 645, 653 (2004) (quoting Purtill v. Hess, 111 Ill. 2d 229, 241-42, 489 N.E.2d 867, 872

(1986)). In the underlying complaint, Corelis alleged she sought medical care from Karuparthy

and he injected her with a medical substance that “constrained, impaired, and/or limited her ability

to move.” She also alleged that Karuparthy had a “duty to act in a reasonably careful manner in

his care and treatment of [her],” but that he deviated from that duty by committing various

negligent omissions, including failing to (a) obtain her informed consent for administering the

medical substance, (b) explain side effects of the medical substance, (c) conduct a proper clinical

examination prior to administering the injection, and (d) make a diagnosis before administering

the medical substance.

¶ 141 The section 2-622 physician’s report that accompanied Corelis’s complaint

indicated that during the medical visit in question, Corelis received medical treatment from

Karuparthy that included the administration of intravenous vitamins, a thumb joint injection, and

intravenous ketamine. It set forth several ways in which Karuparthy’s care of Corelis fell below

the requisite standard of care. Aside from the omissions explicitly set forth in counts V and VI, the

report additionally noted a deviation from the standard of care in connection with Karuparthy

giving Corelis the thumb joint injection. The report also suggested negligence in the manner that

Karuparthy administered the ketamine injection, the immobilizing “medical substance.” Further,

it indicated that Karuparthy had administered ketamine to Corelis when providing medical

treatment to her in the past, stating: “On this visit, unlike other visits, Dr. Karuparthy used a bolus

to administer ketamine. A reasonably careful anesthesiologist should recognize that a patient can

react differently to the manner in which ketamine is administered. According to his own notes, Dr.

Karuparthy failed to do so.” (Emphasis added.).

- 40 - ¶ 142 On appeal, Professional Solutions characterizes the injection of a medical substance

that impaired Corelis’s ability to move as a “predicate to the assault,” or “part and parcel of the

assault, and inseparable.” However, I find nothing in the allegations of the underlying complaint

that requires an inference that Karuparthy’s act of administering the injection could only have been

an intentional wrong or an inseparable component of the alleged sexual conduct. See. Dahms, 2016

IL App (1st) 141392, ¶ 56 (“[W]hile we could certainly conceive of a scenario in which these

allegations described intentional conduct, we likewise could see the potential that these actions

demonstrate less than intentional behavior, be it recklessness or even *** negligence.”). Under the

facts alleged, Karuparthy could have both negligently provided medical treatment to Corelis and

engaged in subsequent unwanted acts of “touching, grabbing, fondling, and kissing.”

¶ 143 Further, I find Professional Solutions’s contention on appeal that Corelis’s

negligence claims were “simply an attempt to bring her [c]omplaint within the realm of coverage”

of the policy at issue, is inconsistent with the position it took before the trial court. Below,

Professional Solutions explicitly argued as follows:

“[B]ased on [the section 2-622] physician’s report and based on the

negligence allegations, we defended. And we were going to—we’d still be

defending but for this intervening cause where now you have the doctor

pleading guilty to assault and battery [sic].

So that changes things under the case law. While [opposing counsel]

is right about the general case law about duty to defend, once you have a

plea agreement like this, it takes it out of coverage.”

This argument acknowledges that, at least initially, Professional Solutions determined that

Corelis’s underlying complaint alleged facts that were potentially within policy coverage and that

- 41 - the potential for coverage was not removed until Karuparthy’s guilty plea in his criminal case.

¶ 144 Ultimately, I find the case at bar is not one of those “ ‘rare’ ” cases where the

allegations of the underlying complaint could not possibly be considered to describe negligent

conduct. See id. ¶ 54. The factual allegations set forth by Corelis in connection with her negligence

counts potentially describe a course of negligent medical treatment by Karuparthy, which preceded

the alleged sexual assault of his patient, and a separate claimed injury. Even when considering

Corelis’s underlying complaint as a whole and in its entirety, the critical element for consideration

is whether there is a potential for coverage. Before the trial court, Professional Solutions

acknowledged such potential existed in the present case at least prior to the resolution of

Karuparthy’s criminal case. To the extent Professional Solutions argues otherwise on appeal, I

would find its argument lacks merit.

¶ 145 2. Effect of Karuparthy’s Guilty Plea

¶ 146 Professional Solutions further argues that it may be determined as a matter of law

that Corelis’s alleged injuries in the underlying complaint were caused by only intentional or

criminal conduct (as opposed to negligent conduct). It relies on Karuparthy’s guilty plea in his

criminal case and his admission when answering the declaratory judgment complaint that his

“[c]riminal [c]ase arose out of the same transaction or occurrence that gave rise to the Corelis

lawsuit.” According to Professional Solutions, Corelis was collaterally estopped by Karuparthy’s

criminal convictions from alleging that Karuparthy’s actions were negligent.

¶ 147 In cases like the one at bar, questions regarding whether there was an intentional

injury or whether a particular act was criminal may be resolved by the fact of a criminal conviction.

Id. ¶ 76 (finding that following the insured’s criminal conviction, competing interpretations of his

alleged conduct in a civil action became irrelevant and the applicability of a criminal-acts exclusion

- 42 - of an insurance policy “became clear and free from doubt”). Further, as asserted by Professional

Solutions, “estoppel effect may be accorded to a prior criminal conviction in an appropriate case.”

American Family Mutual Insurance Co. v. Savickas, 193 Ill. 2d 378, 387, 739 N.E.2d 445, 451

(2000). “Collateral estoppel is an equitable doctrine, the application of which precludes a party

from relitigating an issue decided in a prior proceeding.” Id. The threshold requirements for

application of the doctrine are that (1) the issue decided in the prior adjudication is identical with

the one presented in the suit in question, (2) there was a final judgment on the merits in the prior

adjudication, and (3) the party against whom estoppel is asserted was a party or in privity with a

party to the prior adjudication. Id.

¶ 148 In this case, Professional Solutions attached exhibits to its declaratory judgment

complaint that included an order of probation and a sentencing order in Karuparthy’s criminal

case, showing he pleaded guilty to the offenses of assault and reckless conduct. The record does

not contain a factual basis for Karuparthy’s pleas. Instead, from Karuparthy’s answer to the

declaratory judgment case, we know only that Karuparthy’s “[c]riminal [c]ase arose out of the

same transaction or occurrence that gave rise to the Corelis lawsuit.” In my view, given these

circumstances, we cannot say as a matter of law that Karuparthy’s criminal convictions resolve the

issue of whether Corelis’s injuries as alleged in the negligence counts could be viewed as only

intentionally or criminally caused.

¶ 149 Significantly, the transaction or occurrence that gave rise to Corelis’s lawsuit was

the August 2018 medical visit. She alleged a series of acts by Karuparthy during that visit. Nothing

in the pleadings establishes upon what specific acts during the visit that Karuparthy’s convictions

for assault and reckless conduct were based. See Allstate Insurance Co. v. Kovar, 363 Ill. App. 3d

493, 502, 842 N.E.2d 1268, 1276 (2006) (finding insurer failed to establish an identity of issues

- 43 - for estoppel purposes where it offered only a certified copy of the insured’s conviction and the

document did “not recount any of the facts underlying the conviction”). It is speculative to hold

that either conviction necessarily concerns the factual allegations that support Corelis’s negligence

counts. Accordingly, I find it is not clear or free from doubt that Karuparthy’s criminal convictions

were based upon the same specific conduct that Corelis alleged was negligent and, on this record,

the convictions may not be given preclusive effect.

¶ 150 3. Policy Exclusions

¶ 151 For much of the same reasons already expressed, I find that we also cannot say, as

a matter of law, that the policy exclusions bar coverage in his case.

¶ 152 Professional Solutions notes that the policy at issue contains exclusions for any

damages, incidents, claims, or suits that arose out of, were based upon, or were attributable to

(1) acts or omissions that violated a criminal statute, (2) false imprisonment, (3) improper sexual

conduct, or (4) intentional injuries. Again, however, the pertinent consideration is whether “the

underlying complaint alleges facts within or potentially within policy coverage.” Midwest Sporting

Goods Co., 215 Ill. 2d at 155. “An insurer may not justifiably refuse to defend an action against

its insured unless it is clear from the face of the underlying complaint that the allegations set forth

in that complaint fail to state facts that bring the case within or potentially within the insured’s

policy coverage.” (Emphases added.) Id. at 154.

¶ 153 In this instance, Corelis set forth factual allegations in her underlying complaint

that supported claims for negligence. From the face of her complaint, it is not clear that her

negligence claims were in any way based upon her allegations of intentional and unwanted

“touching, grabbing, fondling, and kissing” by Karuparthy. As alleged, it cannot be determined

whether the injury claimed in counts V and VI that resulted from Karuparthy’s negligence is the

- 44 - same or different from the injury claimed by Corelis in her other counts. Additionally, the

pleadings in this case do not conclusively establish that Karuparthy’s criminal conduct was the

same particular conduct upon which the negligence counts were based.

¶ 154 4. Result

¶ 155 As set forth above, Professional Solutions argues the trial court erred by granting

Corelis’s motion to dismiss its declaratory judgment action and by denying its motion for a

judgment on the pleadings. I find Corelis’s motion to dismiss should not have been granted because

Professional Solutions’s declaratory judgment complaint set forth facts that, if proven true, would

have entitled it to declaratory relief. Additionally, Professional Solutions was not entitled to the

grant of its motion for a judgment on the pleadings because a material question of fact continued

to exist in the case.

¶ 156 In connection with its declaratory judgment complaint, Professional Solutions

alleged it had no duty to defend Karuparthy and Integrative Pain Centers in the underlying case. It

pointed to Karuparthy’s guilty plea in his criminal case and alleged that because Corelis’s

underlying complaint, including her negligence claims, arose solely out of intentionally wrongful

or criminal conduct, there was no coverage under its policy and Karuparthy’s acts were, in fact,

excluded from coverage. If proven true, such allegations would entitle Professional Solutions to

its requested relief. For example, if it were to establish that Karuparthy’s guilty pleas were based

on the same operative facts as Corelis’s negligence counts and that Corelis’s claims of injury in

her negligence counts were based on her allegations of intentional and unwanted “touching,

grabbing, fondling, and kissing” by Karuparthy, then there could be no coverage under the policy.

However, as the case currently stands, such matters cannot be established as a matter of law.

Instead, genuine issues of material fact continue to exist, and the matter should be remanded to the

- 45 - trial court for further proceedings in the underlying declaratory judgment action.

¶ 157 For the above reasons, I dissent from the majority’s decision and would reverse the

trial court’s grant of Corelis’s motion to dismiss and remand for further proceedings.

Professional Solutions Insurance Co. v. Karuparthy, 2023 IL App (4th) 220409

Decision Under Review: Appeal from the Circuit Court of Rock Island County, No. 21-MR- 818; the Hon. Kathleen E. Mesich, Judge, presiding.

Attorneys Josh M. Kantrow and Jason W. Jochum, of Lewis, Brisbois, Bis- for gaard & Smith, LLP, of Chicago, for appellant. Appellant:

Attorneys John Malvik, of Winstein, Kavensky & Cunningham LLC, of Rock for Island, for appellees Venkateswara R. Karuparthy and Integrative Appellee: Pain Centers of America, Ltd.

Brian K. Hetzer, of Duncan Law Group, LLC, of Chicago, for other appellee.

- 46 -