West American Insurance v. Yorkville National Bank

              No. 3-07-0104
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Filed February 27, 2009
IN THE
APPELLATE COURT OF ILLINOIS
THIRD DISTRICT
A.D., 2009
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WEST AMERICAN INSURANCE CO., ) Appeal from the Circuit Court of the
) Thirteenth Judicial Circuit,
Plaintiff-Appellant, ) LaSalle County, Illinois,
Cross-Appelllee, )
)
v. )
) No. 04-MR-57
YORKVILLE NATIONAL BANK, )
BERNARD J. WIEGMANN, and )
SHERYL H. KUZMA, ) The Honorable
) James A. Lanuti,
Defendants-Appellees, ) Judge Presiding.
Cross-Appellants. )
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JUSTICE McDADE delivered the opinion of the court:
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This appeal arises from a declaratory judgment action filed in the circuit court of LaSalle
County to resolve insurance coverage issues. Plaintiff, West American Insurance Company,
appeals arguing that the court erred in determining that it owed a duty to provide coverage to the
defendant, Yorkville National Bank. Defendant cross-appeals arguing that the court erred in
determining defendant is not entitled to sanctions under section 155 of the Insurance Code (215
ILCS 5/155 (West 2004)). For the reasons that follow, we reverse the finding that West
American had a duty to provide coverage, affirm the determination that Yorkville National Bank
was not entitled to sanctions for alleged vexatious and unreasonable delay, and remand for further