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COPLEY v. PEKIN INSURANCE CO.

No. 61642.

111 Ill.2d 76 (1986)

488 N.E.2d 1004

JOEL COPLEY et al., Appellants, v. PEKIN INSURANCE COMPANY, Appellee.

Supreme Court of Illinois.

Opinion filed January 23, 1986.

Attorney(s) appearing for the Case

Craig J. Causeman, of Thomas, Mamer & Haughey, of Champaign, for appellants.

Vance I. Kepley, of Reno, O'Byrne & Kepley, P.C., of Champaign, for appellee.

Appellate court reversed; circuit court affirmed.

JUSTICE MILLER delivered the opinion of the court:

On December 15, 1981, fire destroyed an appliance business owned by Joel Copley in Farmer City. Pekin Insurance Company, to which Copley had paid an annual insurance premium in August 1981, denied Copley's claim for the loss. Pekin maintained that, under the doctrine of cancellation by substitution, Copley's policy with Pekin was no longer in effect at the...

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