Safeway Insurance Co. v. Ebijimi

2025 IL App (1st) 231543
CourtAppellate Court of Illinois
DecidedSeptember 30, 2025
Docket1-23-1543
StatusPublished

This text of 2025 IL App (1st) 231543 (Safeway Insurance Co. v. Ebijimi) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Safeway Insurance Co. v. Ebijimi, 2025 IL App (1st) 231543 (Ill. Ct. App. 2025).

Opinion

2025 IL App (1st) 231543

FIFTH DIVISION September 30, 2025

IN THE APPELLATE COURT OF ILLINOIS FIRST JUDICIAL DISTRICT

No. 1-23-1543

SAFEWAY INSURANCE COMPANY, ) Appeal from the ) Circuit Court of Plaintiff-Appellee, ) Cook County. ) v. ) No. 13 CH 12097 ) BEATRICE EBIJIMI and DADA EBIJIMI, ) Honorable ) Anna Demacopoulos, Defendants-Appellants. ) Judge Presiding.

JUSTICE MIKVA delivered the judgment of the court, with opinion. Justices Oden Johnson and Tailor concurred in the judgment and opinion.

OPINION

¶1 Almost 20 years ago, when her daughter, Beatrice Ebijimi, was struck by a car, Dada

Ebijimi initiated a claim for uninsured motorist coverage under the automobile insurance policy

issued to her by Safeway Insurance Company (Safeway). Following years of intermittent

correspondence with the Ebijimis’ lawyer, Robert Langendorf, Safeway filed suit for a declaration

of no coverage, on the basis that the Ebijimis had not submitted a claim form, given a sworn

statement, or submitted Beatrice to an independent medical examination, all conditions precedent

to coverage set out in the policy. The Ebijimis’ position was that Safeway was estopped from

denying coverage because it had led Mr. Langendorf to believe that any attempts to satisfy those

conditions would be futile if the Ebijimis could not produce evidence of the driver’s uninsured No. 1-23-1543

status in the specific form that Safeway demanded. Following a bench trial, the trial court entered

judgment in Safeway’s favor.

¶2 On appeal, the Ebijimis assert numerous claims of error. Their primary argument, however,

is that it was an abuse of discretion for the trial court, as a sanction for his conduct at trial, to bar

the testimony of Mr. Langendorf concerning key conversations he claims to have had with

Safeway representatives. We agree that this sanction was an abuse of discretion but conclude that

the Ebijimis have not shown they were prejudiced by this error, where their offer of proof makes

clear that this testimony would not have proven their estoppel claim. We also conclude that each

of the Ebijimis’ other arguments about trial error lack merit. We affirm.

¶3 I. BACKGROUND

¶4 A more detailed account of the parties’ pleadings and the earlier proceedings in this matter

can be found in our 2018 opinion affirming in part and reversing in part the trial court’s grant of

summary judgment in favor of Safeway. Safeway Insurance Co. v. Ebijimi, 2018 IL App (1st)

170862. We summarize them here only to provide context for the issues raised in this appeal. We

then provide a brief overview of the evidence produced at trial, reserving facts specific to the

Ebijimis’ various arguments for our analysis.

¶5 A. Pretrial Proceedings and First Appeal

¶6 The Ebijimis assert that on January 20, 2006, Beatrice was struck by a vehicle driven by

Patricia Tyson, an uninsured driver. Beatrice’s mother, Dada, initiated a claim for uninsured

motorist coverage under the personal automobile insurance policy issued to her by Safeway that

covered the one-year period beginning on January 8, 2006 (policy No. 0110701-IL-PP-003), and

the Ebijimis corresponded with Safeway over the following years through their counsel, Mr.

Langendorf.

2 No. 1-23-1543

¶7 On May 7, 2013, Safeway filed this action seeking declarations that (1) no coverage existed

under the policy for Beatrice’s accident and (2) due to the Ebijimis’ failure to comply with the

policy terms, Safeway was “not obligated to settle or arbitrate the uninsured motorist claim.”

Safeway alleged that the Ebijimis had failed to satisfy either condition 3—requiring them to

provide Safeway with timely written notice of the particulars of the accident—or condition 10—

requiring them to submit to examinations under oath, complete forms furnished by Safeway, have

Beatrice examined by a Safeway-selected physician, and allow Safeway to obtain and review her

medical records.

¶8 The Ebijimis answered the complaint on August 5, 2014, asserting, among other

affirmative defenses, that Safeway was estopped from disputing or denying coverage because the

company had “led [the Ebijimis] to believe their claim would not be processed because [Safeway]

was not satisfied with their proof of no insurance with respect to the driver of the vehicle.”

According to the Ebijimis, Safeway never advised them that it was contesting coverage because

of a failure on their part to comply with conditions precedent in the policy.

¶9 In a counterclaim demanding arbitration and asserting various causes of action against

Safeway on behalf of a purported class of similarly situated policyholders, the Ebijimis alleged

that Safeway had a policy of wrongfully demanding a certified letter from the Illinois Department

of Transportation (IDOT) as the only acceptable proof of a driver’s uninsured status. The Ebijimis

alleged that when IDOT records here indicated that Ms. Tyson was insured by Affirmative

Insurance Company (Affirmative), they obtained and forwarded to Safeway on December 17,

2007, a letter from Affirmative confirming that Ms. Tyson was not in fact one of the company’s

insureds at the time of the accident. An attached copy of that letter stated that the policy issued to

Ms. Tyson “had been cancelled due to non-payment of premium on 10-13-05 and had not been

3 No. 1-23-1543

reinstated prior to the loss of 1-20-06.” In an attached letter dated July 18, 2008, however, Safeway

told Mr. Langendorf: “We need IDOT certification and a completed accident report form that was

previously forwarded to you. Upon receipt of same, we can schedule your client’s sworn statement.

You will need to set your client’s IME as explained in our numerous letters to you.” The Ebijimis

alleged that nothing in the policy required an IDOT certification and that Safeway’s refusal to

acknowledge the alternative proof they had provided of the driver’s uninsured status meant that

“any actions by [them] with respect to the claim or compliance with conditions of the policy would

have been futile.”

¶ 10 Safeway moved for summary judgment on November 12, 2014, arguing that there was no

genuine issue of material fact as to whether the Ebijimis had complied with the conditions

precedent to coverage set out in the policy. Discovery was permitted as to the issues raised in the

motion, and the Ebijimis filed their response on May 23, 2016. They attached to it an affidavit

submitted by Mr. Langendorf referencing the conversations he averred that he had had with

Safeway representatives and that the Ebijimis argued supported their affirmative defense of

estoppel. Safeway moved to strike the affidavit as conclusory, contradicted by the documentary

evidence, and—as to the conversations between Mr. Langendorf and Safeway—lacking an

adequate foundation. Safeway argued in its reply in support of summary judgment that the Ebijimis

had presented no admissible evidence of any statement made by it that would have lulled the

Ebijimis into a belief that Safeway would not require their compliance with the conditions in the

policy. “The only detrimental reliance by the Ebijimis,” Safeway insisted, “was on their own

attorney, who failed to take the most basic actions to pursue the uninsured motorist claim” on their

behalf.

¶ 11 The trial court granted Safeway’s motion to strike the affidavit in its entirety, on the basis

4 No. 1-23-1543

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Bluebook (online)
2025 IL App (1st) 231543, Counsel Stack Legal Research, https://law.counselstack.com/opinion/safeway-insurance-co-v-ebijimi-illappct-2025.