Court Opinion

ID: 4644816
Source: CourtListenerOpinion
Date Created: 2020-12-19 00:03:19.721694+00
Date Added: 2024-06-11T08:00:48.034230
License: Public Domain

Rule 23 order filed                2020 IL App (5th) 170458
December 2, 2020.
Motion to publish granted               NO. 5-17-0458
December 18, 2020.
                                            IN THE

                                APPELLATE COURT OF ILLINOIS

                               FIFTH DISTRICT
______________________________________________________________________________

BUDGET RENT-A-CAR SYSTEM, INC.,               )       Appeal from the
                                              )       Circuit Court of
      Plaintiff-Appellee,                    )        St. Clair County.
                                              )
v.                                            )       No. 15-AR-634
                                              )
SHANIKA CLEVELAND,                            )       Honorable
                                              )       Thomas B. Cannady,
      Defendant-Appellant.                    )       Judge, presiding.
______________________________________________________________________________

       JUSTICE BARBERIS delivered the judgment of the court, with opinion.
       Justice Moore concurred in the judgment and opinion.
       Justice Cates specially concurred, with opinion.

                                        OPINION

¶1     Plaintiff, Budget Rent-A-Car System, Inc. of St. Louis, Missouri (Budget), filed a breach

of contract action against defendant, Shanika Cleveland, seeking to recover damages from a car

accident involving a rental car it had leased to Cleveland. Following a jury trial in St. Clair

County, a judgment was entered in favor of Budget. On appeal, Cleveland argues that the circuit

court erred in denying her posttrial motion for judgment notwithstanding the verdict (JNOV).

Alternatively, Cleveland requests a new trial to submit her affirmative defense that Budget paid

as a volunteer, because, according to Cleveland, Budget was not legally obligated to pay the

claimed damages. For the following reasons, we reverse the judgment and remand for a new trial

consistent with this opinion.

                                               1
¶2                                         I. Background

¶3     On May 16, 2010, Cleveland rented a vehicle from Budget and signed a one-page “Rental

Document Jacket” that incorporated the rental agreement. The rental agreement contained all

rental terms and conditions, as well as the following notice: “NO ADDITIONAL DRIVERS

ARE AUTHORIZED OR PERMITTED WITHOUT BUDGET’S PRIOR WRITTEN

APPROVAL ***.” As such, Cleveland was the only authorized driver of the rental car per the

rental agreement. On May 22, 2010, Sammy Morning, Cleveland’s boyfriend, was driving the

rental car in East St. Louis, Illinois, without a valid driver’s license, when he was involved in a

car accident that allegedly caused damage to two other automobiles and injured four occupants.

¶4     The rental agreement also defined prohibited uses of the vehicle and contained an

indemnity clause. The relevant sections at issue are paragraphs 14, 15, and 18. With regard to the

prohibited uses of the rental car, paragraph 14 provided the following:

              “14. Prohibited Use of the Car: Certain uses of the car and other things you or a
       driver may do, or fail to do, will violate this agreement ***. A VIOLATION OF THIS
       PARAGRAPH, WHICH INCLUDES USE OF THE CAR BY AN UNAUTHORIZED
       DRIVER, WILL AUTOMATICALLY TERMINATE YOUR RENTAL, VOID ALL
       LIABILITY PROTECTION AND ANY OPTIONAL SERVICES THAT YOU HAVE
       ACCEPTED,       INCLUDING           SUPPLEMENTAL           LIABILITY     INSURANCE,
       PERSONAL ACCIDENT & EFFECTS INSURANCE, EMERGENCY SICKNESS
       PROTECTION AND LOSS DAMAGE WAIVER. IT ALSO MAKES YOU LIABLE
       TO US FOR ALL THE PENALTIES, FINES, FORFEITURES, LIENS AND
       RECOVERY AND STORAGE COSTS, INCLUDING ALL RELATED LEGAL
       EXPENSES, FEES AND COSTS.

       It is a violation of this paragraph if:

       A.      You *** permit the car to be used: 1) by anyone other than an authorized driver,
               as defined in paragraph 15 below *** or

       B.      You or an additional driver, authorized or not: 1) fail to properly report any
               damage in or loss of the car when it occurs or when you learn of it and provide us
               with a written accident/incident report or fail to cooperate fully with our
               investigation ***. *** 3) leave the car and fail to remove the keys or close and

                                                  2
                 lock all doors, close all windows and the truck and the car is stolen or
                 vandalized.”

Next, paragraph 15 provided the following:

               “15. Who May Drive the Car: Except where otherwise specifically authorized
        by applicable law, only you, your spouse, or domestic partner *** may drive the car, but
        only with your permission. The other driver must be at least 25 years old and must be a
        capable and validly licensed driver ***.”

Lastly, paragraph 18 provided the following indemnification clause:

                 “18. Indemnification and Waiver: You agree to indemnify us, our parent and
        affiliated companies, for and hold us harmless from any loss, liability and expense that
        we incur arising out of the use of the car, including reasonable attorney’s fees: *** (b)
        which results from any unauthorized use or prohibited operation of the car.”

¶5      On July 10, 2015, Budget filed a verified complaint against Cleveland, suing as the

owner of the rental car, not the insurer. Budget alleged that Cleveland had breached the rental

agreement by engaging in “unauthorized and/or prohibited use of the rented vehicle, namely

negligence, gross negligence” and for allowing an “unauthorized person, Sammy Morning, to

operate the vehicle owned by Budget and rented by Cleveland.” In addition, Budget asserted

that, as a result of the accident, it had reimbursed the third parties for damages suffered to their

persons and vehicles in the amount of $36,462.48. Budget claimed that it was entitled, pursuant

to the “Indemnification and Waiver” provision, to be reimbursed for the payments it made to the

third parties.

¶6      On August 6, 2015, Cleveland filed a motion to dismiss, pursuant to section 2-606 of the

Code of Civil Procedure (735 ILCS 5/2-606 (West 2014)), claiming that the rental agreement

had not been attached to Budget’s complaint. Shortly thereafter, on August 21, 2015, after

Cleveland received a copy of the complete contract from Budget’s attorney, Cleveland withdrew

her motion to dismiss. That same day, Cleveland filed a verified answer to Budget’s complaint,

attaching the “Rental Document Jacket” that had been referenced in Budget’s complaint and a
                                                 3
complete copy of the “Rental Terms and Conditions.” 1 Cleveland asserted an affirmative

defense, denying liability for any damages as a result of the accident, because Morning had taken

the rental car without her permission. As such, Cleveland argued she was not liable to Budget

under the indemnity clause.

¶7      The case was set for mandatory arbitration on January 13, 2016. Pursuant to Illinois

Supreme Court Rule 90(c) (eff. July 1, 2008), Budget disclosed the Agreement, the police report

prepared on May 22, 2010, and Budget’s incident report, also prepared on May 22, 2010, by

Cleveland. Additionally, Budget disclosed an affidavit from Scott Seemann, an investigator who

had been hired by Budget to look into the cause of the collision and to assist in resolving claims

by those who claimed property loss or personal injuries, “establishing damages of $36,462.48,”

and a statement from Rosie Marshall. The arbitration proceeding did not result in a resolution of

the dispute, and the case was set for trial.

¶8      Several motions were filed in anticipation of trial. Cleveland filed a “Trial

Memorandum” that included her affirmative defense, and raised, for the first time, the defense

that “Budget was not obligated to pay other drivers and passengers and therefore paid as a

volunteer.” Cleveland’s attorney also submitted a proposed jury instruction based upon “I.P.I.

700.09V, 700.07V, 700.3V, 700.16V, 700.12VC and 700.18V (Modified).” This burden of proof

instruction included Cleveland’s affirmative defenses and provided as follows:

        “If you find that each of the above elements has been proved, then you must consider:

        Shanika Cleveland’s claim of an affirmative defense.

        Shanika Cleveland claims and has the burden of proving the following affirmative
        defense:

        1
         The term “Agreement,” as used hereafter, refers to both the “Rental Document Jacket” and the
“Rental Terms and Conditions.”
                                                 4
        That Budget Rent-A-Car System, Inc. paid the other drivers and passengers in the
        automobile accident as a volunteer, when it was not obligated to pay.

        Budget Rent-A-Car System, Inc. denies Shanika Cleveland’s affirmative defense.”

Therefore, when Cleveland’s attorney submitted her Trial Memorandum on December 8, 2016,

the affirmative defense alleged that Budget had not been obligated to pay for the losses suffered

by the third parties as a result of Morning’s use of the rental vehicle. Simply put, Cleveland

alleged that Budget voluntarily paid the damages claimed by the third parties without any legal

obligation to do so.

¶9      On May 2, 2017, the circuit court ordered the parties to submit a stipulation regarding

evidence that the parties agreed would be introduced at trial. Following the rescheduling of the

final pretrial hearing, originally set for June 29, 2017, Budget’s attorney filed stipulations,

although the record does not contain a proof of service indicating whether Cleveland received the

proposed stipulations prior to that date. Specifically, Budget stipulated that Cleveland had rented

a vehicle from Budget and, per Seemann’s affidavit, Cleveland, the only person authorized to

operate the rental car, had failed to report the rental car stolen and refused to provide any

information following the accident. Also, the stipulation indicated that the accident on May 22,

2010, occurred while the rental car was being driven by Morning, an unauthorized driver. As a

result of the accident, Budget made payments, totaling $36,462.48, for property damages and

personal injuries. 2 Attached to Budget’s stipulations were two exhibits—Exhibit A, a copy of the

Agreement, and Exhibit B, the affidavit of Seemann.

        2
          The record does not contain a report of proceedings or a bystander’s report for the June 29,
2017, proceedings. The report of proceedings for the July 10, 2017, trial does reference that the court file-
marked the stipulations and assumed that both parties had agreed to them. As discussed, hereafter,
counsel for Cleveland was not present at the June 29, 2017, hearing due to scheduling issues, and did not
agree to the stipulations tendered by Budget.
                                                     5
¶ 10    On July 10, 2017, prior to jury selection, the circuit court entertained several pretrial

matters. The circuit court first addressed Budget’s stipulations, file-marked June 29, 2017.

Cleveland’s attorney indicated to the court that he had not agreed to the stipulations filed by

Budget’s attorney. Although he had no objection to the admissibility of Exhibit A, Cleveland’s

attorney objected to Exhibit B. Budget’s attorney agreed that Budget could read Seemann’s

affidavit to the jury, in lieu of live testimony, but Cleveland was not stipulating to the truth of the

facts stated in the affidavit and reserved the right to rebut the facts set forth in Seemann’s

affidavit.

¶ 11    After considering the parties’ arguments, the circuit court set aside the previously file-

marked stipulations. The court indicated that Exhibit A would be admitted and go to the jury.

With regard to Exhibit B, the court offered Budget’s attorney the right to continue trial and call

Seemann as a live witness, rather than rely on the affidavit. Budget’s attorney declined and

indicated that she wanted to proceed to trial on the affidavit alone, even though Cleveland had

not agreed to the facts set forth in the affidavit.

¶ 12    The circuit court then reiterated that Budget’s cause of action was based upon a breach of

contract, and, as such, the evidence was expected to be presented in a manner “only ***

pertaining to an alleged breach of written contract. No other cause of action has been alleged and

no other cause of action is going to be presented by [Budget].” Cleveland’s attorney sought

further clarification, stating that Budget “wears two hats,” first as a self-insured company under

section 9-105 of the Illinois Vehicle Code (Vehicle Code) (625 ILCS 5/9-105 (West 2014)),

which required Budget “to provide liability insurance that covers their customer or anyone

driving the rented vehicle with their customer’s express or implied consent.” Cleveland’s

attorney believed Budget was suing in its “capacity as the lessor of the rental car, not as the

                                                      6
insurer,” thus, Budget had “to show that *** in its capacity as lessor [it] was legally obligated to

make the payments to the people injured in the accident, and at least we have the defense that

they paid as a volunteer.”

¶ 13   The circuit court reiterated that Budget had brought a cause of action against Cleveland

as the owner of the rental vehicle, not as the insurer, and that Budget would have to prove

Cleveland breached the Agreement. The court then concluded that section 9-105 of the Vehicle

Code was irrelevant to the breach of contract cause of action. Following jury selection, the

parties presented opening statements. Budget’s attorney stated the following:

               “In that contract there is a clause for indemnification, which is just a fancy word,
       is if we have to spend money you have to pay us back.

                                              ***

               [Morning] didn’t have a valid license, and he’s unauthorized. Unauthorized
       doesn’t mean [Cleveland] authorized him, it means—according to the contract he wasn’t
       supposed to be driving the car. He was driving the car. It got into an accident. Because of
       that accident Budget paid out money.

                                              ***

              The evidence will show we tried to get ahold of Ms. Cleveland. She wasn’t
       cooperating with us. This car was never reported stolen. So we pay out to protect
       ourselves and our company, our car, our car that caused the damage.”

¶ 14   Next, Cleveland’s attorney gave his opening statement. He asserted that Morning drove

the rental car without Cleveland’s permission; therefore, Cleveland “wasn’t liable for the

accident. She wasn’t driving. She didn’t allow Sammy Morning to take the car.” Further,

Cleveland’s attorney explained that Cleveland had asserted an affirmative defense, and that she

was not obligated under the contract to indemnify Budget where Budget chose to make

payments, despite no legal obligation on its part to do so. No objection was raised to Cleveland’s

argument.

                                                 7
¶ 15   Following opening statements, the circuit court conducted a hearing outside the presence

of the jury to address the admissibility of the exhibits and jury instructions. Budget tendered

several instructions specifically related to its breach of contract claim. These were identified as

Plaintiff’s Instructions No. 3, No. 6, and No. 7. Cleveland’s attorney objected to Budget’s jury

instructions because none of them had been modified to include Cleveland’s affirmative

defenses. Cleveland’s attorney submitted a modified jury instruction, Defendant’s Instruction

No. 1, which included the following affirmative defenses:

       “Shanika Cleveland claims and has the burden of proving the following affirmative
       defense:

       That Shanika Cleveland did not authorize or permit Sammy morning to use the rental car
       at the time of the accident.

       That Budget Rent-A-Car System, Inc. paid the other drivers and passengers in the
       automobile accident as a volunteer, when it was not obligated to pay.”

¶ 16   In response, the circuit court, once again, reiterated that the breach of contract issue was

“going to the jury on that question of fact.” In addressing Cleveland’s argument that the jury

instructions failed to hypothesize Budget’s obligation to make payments to the third parties, the

court refused to tender Cleveland’s instruction that contained the affirmative defenses. Instead,

the court stated that Budget had “the burden of showing the conditions of the contract *** and

then the breach of such written contract. I am not going to instruct the jury on anything further.

That’s not within the four corners of the contract.”

¶ 17   The jury was then reseated, and Budget called it first witness, Marshall, a driver involved

in the May 22, 2010, accident, who testified to the following details. On May 22, 2010, Morning

rear-ended her vehicle as Marshall attempted to make a left turn, which caused her to veer into

oncoming traffic and collide with another vehicle. As a result of the accident, Marshall suffered

                                                 8
back and neck injuries, and her car was declared a total loss. With regard to the payments made

by Budget to Marshall, the following colloquy occurred:

               “Q. And your injuries and the damage to your car, that was taken care of,
        correct?
               A. Yes, it was.
               Q. Okay. Do you know how much was paid for that?
               A. Well, I think my car was around 4,500 and my insurance, it paid my
        hospital bill. That was over 10,000.”

¶ 18   Next, Budget called Cleveland to testify as an adverse witness. Cleveland admitted that

she had signed the Agreement on May 16, 2010, to rent a vehicle from Budget. Following the

accident on May 22, 2010, Cleveland testified that she “called Budget and informed them that

the car was in an accident ***, [w]ent to the accident scene, went to the police station to get the

police report, and went to provide that information to Budget since they asked [her] to just

provide the information on the accident.” On the accident report, identified as Exhibit C,

Cleveland acknowledged Morning as the driver of the vehicle at the time of the accident.

Cleveland testified that Morning only occasionally stayed at her address, and that she had never

allowed Morning to drive the rental car because he was not a validly licensed driver. During the

clarification examination by her own counsel, Cleveland explained that she had contacted

Budget after the accident and was instructed to fill out the accident report that Budget had

identified during her testimony.

¶ 19   Budget then offered into evidence Exhibit B, the affidavit of Seemann. The circuit court

explained that Exhibit B was being admitted as “if Scott Seemann were present, he would testify

as set forth in the affidavit.” The court did not give any sort of limiting instruction that indicated

Cleveland contested the facts set forth in the affidavit. Budget’s attorney then read the contents

of Seemann’s affidavit to the jury, without further objection from Cleveland. At the close of

Cleveland’s testimony, Budget’s attorney moved to admit the exhibits into evidence. Exhibit A,
                                                  9
the Agreement, had already been admitted. With regard to Exhibit B, the Seemann affidavit,

Cleveland’s attorney renewed his objection and asked that the jury not be given the affidavit. The

court agreed and admitted Exhibit B only for the testimony contained therein, but not as an

exhibit to be reviewed by the jury. Exhibit C, the accident report completed by Cleveland, was

admitted without objection. Budget then rested its case.

¶ 20   At the close of Budget’s evidence, both parties filed written motions for directed verdict.

Cleveland argued that Budget had not proved that any of the third parties identified in Seemann’s

affidavit, other than Marshall, had suffered any injuries or property damage. In addition,

Cleveland argued that Budget had failed to present any evidence from which the jury could find

that Cleveland had expressly or impliedly consented to Morning’s use of the rental car. 3 In

contrast, Budget, in filing its motion for a directed verdict, argued that the undisputed evidence

demonstrated that Cleveland had breached the contract because Morning was an unauthorized

driver. Budget asserted that there was no question of fact left for the jury to decide. Budget

claimed that, because it had introduced evidence that Morning was an unauthorized user of the

vehicle, Budget had incurred payments to third parties for which it should be indemnified. The

circuit court denied both motions, concluding that whether there had been a breach of contract

presented a question of fact for the jury.

¶ 21   Cleveland then presented her case-in-chief and testified to the following details. In May

2010, Cleveland rented a vehicle from Budget for one week while her own vehicle was being

repaired. When she was not driving the rental car, she parked it at her home or outside of her

       3
         Cleveland relied upon section 9-105 of the Vehicle Code for her argument that Budget would
only have been obligated to pay third parties if Morning was driving the rental car with Cleveland’s
express or implied consent.
                                                10
work. Cleveland had dated Morning for several months, and he stayed at her home a few nights a

week.

¶ 22    On May 22, 2010, Cleveland went shopping with a relative, leaving the rental car parked

at her home. Cleveland testified that she never authorized or permitted Morning to drive her

rental vehicle at any time. Following the accident, Cleveland claimed that she prepared an

accident report, at Budget’s request, and, contrary to Seemann’s affidavit, had informed an agent

at Budget that the car had been taken without her permission. According to Cleveland, when she

spoke with Seemann, he requested payment for damages from the car accident. Cleveland

informed him, however, that it was not her responsibility to pay for damages when she had never

permitted Morning to drive the rental car.

¶ 23    On cross-examination by Budget’s attorney, Cleveland admitted that she did not report

the car stolen. She explained that she felt reporting the car as stolen was unnecessary because the

police had prepared an accident report, and she had filled out an incident report with Budget.

Cleveland reiterated that she had informed Budget that it had been taken without her permission.

¶ 24    Cleveland’s next witness was Morning, who testified to the following details. On May

22, 2010, Morning overheard Cleveland say that she was going shopping with a friend in her

friend’s car. Before Morning left Cleveland’s residence, he unlocked the back door. After he

observed Cleveland leave, he entered her residence through the back door, obtained the keys to

the rental car, and “went for a ride” without Cleveland’s permission. At approximately 4 p.m.

that day, Morning was involved in a car accident while driving Cleveland’s rental car.

¶ 25    On cross-examination, Morning admitted that he had multiple felony convictions and had

been in prison at some point after the May 22, 2010, accident. According to Morning, even

though they had dated for two years prior to the accident, Cleveland was unaware of his criminal

                                                11
history and that his driver’s license had been suspended. Morning indicated he had been “driving

around for a while” in Cleveland’s rental car before the car accident happened. Morning also

admitted that, although he only stayed at Cleveland’s place two or three times per week and he

did not have a key, he used Cleveland’s address as his own. He also indicated that he stayed with

his sister when he was not at Cleveland’s place, and he also used his sister’s address as his own.

At the conclusion of Morning’s testimony, the defense rested.

¶ 26   At the close of evidence, both parties renewed their motions for directed verdict. The

circuit court, once again, denied both motions, concluding that whether Morning was an

authorized driver was a factual question under the contract. In particular, the court stated:

              “I don’t think factually it matters if he did or did not have permission of the
       defendant. I think the issue is whether or not [Morning] is an unauthorized user. The
       contract does not say unauthorized user is someone using the vehicle that—without the
       consent of the defendant. It describes who is able to do so.

                                              ***

               So, with that in mind, I’m not going to make it a factual issue. *** Did Sammy
       Morning have consent by the defendant to use the vehicle? I don’t care. I don’t think that
       is relevant to these proceedings.

              I think almost everyone can agree *** that [Cleveland’s] position is I didn’t give
       him permission.

                                              ***

               I don’t think it’s relevant to these proceedings.”

In light of this, the court denied Cleveland’s affirmative defense “because it’s not relevant. We

are going to be bound on this case to this contract.” The court determined that the question of

fact for the jury was whether Cleveland had breached the written contract. Cleveland’s attorney

then requested that the court consider the affirmative defense that Budget had no “legal liability”

to pay the damages. In response, the court stated:

                                                 12
       “[L]et us assume [Budget] had no legal obligation to pay these damages. There’s been no
       evidence as to whether or not they did or did not. *** Now, I don’t know if they did or
       did not have legal obligation to pay. They may have voluntarily paid that, and as I set
       forth previously, I am not precluding you from arguing that, but, frankly, I don’t think it
       is a condition or a burden that [Budget] must prove.”

The court then refused to modify the jury instructions to include Cleveland’s affirmative defense

of voluntary payment, as requested.

¶ 27   Cleveland’s attorney then supplemented its written motion by again stating that Budget

had failed to prove that anyone, other than Marshall, had sustained damages. The circuit court,

again, denied this oral motion, stating, “I’m not sure that pursuant to the Exhibit A [Agreement]

there has to be a presentation of injuries. It has to be a presentation of damages.” Thereafter, the

court made a record regarding the tendering of the final jury instructions, and the objections

thereto by Cleveland. After doing so, the jury was re-seated, and closing arguments began.

¶ 28   Each party argued the same points of fact and law as had been presented to the circuit

court. At the conclusion of closing arguments, the court instructed the jury. After deliberating,

the jury found in favor of Budget and assessed damages against Cleveland in the amount of

$36,462.48.

¶ 29   On August 1, 2017, Cleveland filed a posttrial motion seeking JNOV, or, alternatively,

requesting a new trial. Cleveland alleged that the circuit court had erred in denying her motion

for a directed verdict because (1) there was no evidence that Budget was legally obligated, or had

a duty, to pay damages to the third parties when Cleveland did not authorize Morning to use the

rental car, as required under paragraph 18 of the Agreement, and (2) Budget had failed to prove

that the third parties, other than Marshall, had suffered actual damages. Alternatively, Cleveland

alleged that she was entitled to a new trial because the court erred in striking her affirmative

                                                13
defense that Budget paid the amounts claimed as a volunteer, which ultimately prohibited her

from defeating Budget’s breach of contract claim.

¶ 30   On October 30, 2017, the circuit court entertained Cleveland’s posttrial motion.

Cleveland’s attorney argued that, as a matter of law, Cleveland was liable to Budget under

paragraph 18 of the indemnity clause, only if Budget was legally obligated to pay the loss

resulting from the unauthorized use of the rental car. Alternatively, Cleveland’s attorney

requested a new trial based on the court’s refusal to permit her tendered jury instruction, which

included the affirmative defense that Budget paid the amounts claimed as a volunteer. The court

subsequently denied Cleveland’s posttrial motion, and Cleveland filed a timely notice of appeal.

¶ 31                                       II. Analysis

¶ 32                                        A. JNOV

¶ 33   Cleveland argues that she was entitled to JNOV based on Budget’s failure to present

evidence establishing its legal obligation to pay damages to injured third parties in support of its

breach of contract claim. Cleveland, citing to section 9-105 of the Vehicle Code, claims that the

only scenario that would expose Budget to liability would be if Morning had operated the rental

car with Cleveland’s express or implied consent.

¶ 34   In response, Budget maintains that the contract does not require proof of its obligation to

pay third parties for damages. Instead, Budget asserts that “no were [sic] in the contract does it

read that [Cleveland] is only liable for damages that Budget is legally obligated to pay.”

Therefore, Budget avers that the circuit court properly denied Cleveland’s posttrial motion

because the jury correctly concluded that Cleveland breached the contract, regardless of whether

Cleveland impliedly or expressly permitted Morning’s operation of the rental vehicle. Thus, the

question before this court is whether the rental agreement requires Cleveland to indemnify

                                                14
Budget for payments made to third parties for property damages and personal injuries resulting

from an unauthorized driver.

¶ 35    A motion for JNOV should only be granted when the evidence and inferences, viewed in

the light most favorable to the nonmoving party, “ ‘so overwhelmingly favors movant that no

contrary verdict based on that evidence could ever stand.’ ” Thornton v. Garcini, 237 Ill. 2d 100,

107 (2010) (quoting Maple v. Gustafson, 151 Ill. 2d 445, 453 (1992)). In other words, a JNOV is

inappropriate if “reasonable minds might differ as to inferences or conclusions to be drawn from

the facts presented.” York v. Rush-Presbyterian-St. Luke’s Medical Center, 222 Ill. 2d 147, 178

(2006). As such, if there is any evidence where the assessment of the witnesses’ credibility or the

determination regarding conflicting evidence is decisive to the outcome of the trial, a JNOV may

not be entered. Dunning v. Dynegy Midwest Generation, Inc., 2015 IL App (5th) 140168, ¶ 17

(citing Ford v. Grizzle, 398 Ill. App. 3d 639, 650 (2010)). Because a motion for a JNOV presents

a question of law as to whether there was a complete failure to substantiate a key element of the

plaintiff’s case, the circuit court's ruling on such a motion is subject to de novo review. York, 222

Ill. 2d at 178.

¶ 36    In the present case, Budget brought suit against Cleveland for breach of contract. “To

establish a breach of contract, the plaintiff must show the existence of a valid and enforceable

contract, performance of the contract by the plaintiff, breach of the contract by the defendant,

and resulting injury to the plaintiff.” Sherman v. Ryan, 392 Ill. App. 3d 712, 732 (2009) (citing

Werner v. Botti, Marinaccio & DeSalvo, 205 Ill. App. 3d 673, 680 (1990)). Cleveland concedes

that the Agreement was a valid and enforceable contract between the parties, and she does not

argue that Budget failed to perform its obligations under the contract. Because the parties present

differing interpretations of Cleveland’s contractual obligations, we must first interpret the

                                                 15
indemnification clause in the Agreement to determine whether a breach of the contract by

Cleveland occurred.

¶ 37   An indemnity agreement is a contract subject to contract interpretation rules. Virginia

Surety Co. v. Northern Insurance Co. of New York, 224 Ill. 2d 550, 556 (2007). On review, a

court is to assume that every provision in the contract serves a purpose. Central Illinois Light Co.

v. Home Insurance Co., 213 Ill. 2d 141, 153 (2004). The primary objective of the court is to

determine and give effect to the intent of the parties as expressed in the language of the contract.

Virginia Surety Co., 224 Ill. 2d at 556; Central Illinois Light Co., 213 Ill. 2d at 153. To ascertain

the intent of the parties and the meaning of the words used in the contract, the court must

construe the contract as a whole, taking into account the type of insurance for which the parties

have contracted, the risks undertaken and purchased, the subject matter that is insured, and the

purposes of the entire contract. Crum & Forster Managers Corp. v. Resolution Trust Corp., 156

Ill. 2d 384, 391 (1993). If the contract language is unambiguous, the contract language should be

given its plain and ordinary meaning. Virginia Surety Co., 224 Ill. 2d at 556 (citing Central

Illinois Light Co., 213 Ill. 2d at 153). Conversely, if the language of the contract is reasonably

susceptible to more than one meaning, it is considered ambiguous and will be construed strictly

against the drafter of the contract and in favor of coverage. Central Illinois Light Co., 213 Ill. 2d

at 153 (citing Outboard Marine Corp. v. Liberty Mutual Insurance Co., 154 Ill. 2d 90, 119

(1992)).

¶ 38   The provision in the rental agreement at issue reads as follows:

                “18. Indemnification and Waiver: You agree to indemnify us, our parent and
       affiliated companies, for and hold us harmless from any loss, liability and expense that
       we incur arising out of the use of the car, including reasonable attorney’s fees: *** (b)
       which results from any unauthorized use or prohibited operation of the car.”

                                                 16
Cleveland claims that the language “we incur,” as written above, means “we are obligated to

pay.” Cleveland asserts that Budget was under no legal obligation to pay the injured third parties.

Therefore, Cleveland did not breach the contract by failing to indemnify Budget for its voluntary

payments. To the contrary, Budget maintains that the Agreement required Cleveland to

indemnify Budget because Morning’s use of the rental car, with or without Cleveland’s express

or implied permission, was an unauthorized use, and, additionally, because she failed to

cooperate with the investigation following the accident.

¶ 39   The indemnity clause in the present case states: “You agree to indemnify us *** for and

hold us harmless from any loss, liability and expense that we incur arising out of the use of the

car ***.” (Emphasis added.) We note that the law of indemnity requires some obligation. Dixon

v. Chicago & North Western Transportation Co., 151 Ill. 2d 108, 118-19 (1992). That is, in

general terms, under the principles of indemnification, indemnity is the obligation resting on one

party (indemnitor) to make good a loss or damage another has incurred (indemnitee). Id. at 118.

¶ 40   As the provision is written, if we were to accept Budget’s interpretation of the use of “we

incur” in paragraph 18, Cleveland would essentially be held liable for any and all costs Budget

sustained, regardless of the amount. Thus, the provision would essentially resemble strict

liability, not indemnity, which would allow Budget to pay any amount for damages that would

then bind Cleveland to indemnify Budget, without limitation. However, as discussed in

Enterprise Leasing Co. of St. Louis v. Hardin, 2011 IL App (5th) 100201, ¶ 22, where the

indemnity clause was similar to the one in the present case, this court found the “clause [wa]s

meant to apply to types of losses that would be covered by these forms of insurance—that is,

those losses for which the renter is liable.” Moreover, this court also stated that “[w]hile this

language is very broad, we do not believe it is broad enough to encompass claims for which the

                                                17
defendant cannot be held liable under the law.” Id. Rather, courts “must interpret a contract to be

consistent with the law and public policy of this state.” Id.

¶ 41   Additionally, although paragraph 18 does not expressly state “obligated to pay,” the

provision is under the bolded title “Indemnification and Waiver,” and the beginning of the

paragraph states: “You agree to indemnify us ***.” Giving effect to the intent of the parties, it

appears that the parties contracted to allow for indemnification, which is further supported by

paragraphs 14 and 15. As such, when read together, it is clear that our interpretation is consistent

with additional provisions contained in the Agreement, which evidences the parties’ intention

that paragraph 18 is an indemnification clause seeking to have Cleveland indemnify Budget for

any losses it sustained as a result of her own intentional acts in violation of the contract. That is,

her own intentional acts would include her permitting the car to be used “by anyone other than

an authorized driver,” as stated in paragraph 14(A), which can include “your spouse, or domestic

partner *** but only with your permission,” as stated in paragraph 15.

¶ 42   More importantly, paragraph 14(B) explicitly addresses the renter’s liability in the event

the rental car was stolen or vandalized. Specifically, if the renter or an additional driver,

authorized or not, “leave[s] the car and fail[s] to remove the keys or close and lock all doors,

close all windows and the truck and the car is stolen or vandalized,” the renter would be held in

violation of the rental agreement and subject to liability. The construction of paragraph 14(B),

directly following paragraph 14(A), demonstrates that the renter would be liable if the car was

stolen or vandalized because the renter permitted an unauthorized driver, that is, someone who is

not a spouse or domestic partner, to drive the rental car. As such, in refusing to look at one

provision in isolation, but viewing the contract as a whole, the provisions stated above

                                                 18
demonstrate a breach of contract when the renter takes some affirmative act or makes some

omission prohibited by the contract which would expose the renter to liability.

¶ 43    We note that the circuit court found it unnecessary to the breach of contract case to

determine whether Budget had to prove its legal obligation to make payments to the third parties.

Specifically, the court stated the following, with respect to Cleveland’s affirmative defense

regarding voluntary payment:

                “THE COURT: *** [L]et us assume they had no legal obligation to pay these
        damages. There’s been no evidence as to whether or not they did or did not. You’re going
        to have to argue that that is not a breach of contract. Okay? Now, I don’t know if they did
        or did not have legal obligation to pay. They may have voluntarily paid that, and as I set
        forth previously, I am not precluding you from arguing that, but, frankly, I don’t think it
        is a condition or a burden that the Plaintiff must prove.”

We disagree. Having ascertained the intent of the parties and the meaning of the words used in

the contract, that is, one of indemnification and not strict liability, we find, as a matter of law,

that Budget was required to prove that Cleveland’s affirmative act or omission resulted in

Budget’s liability to pay damages. See Enterprise Leasing, 2011 IL App (5th) 100201, ¶ 22.

Accordingly, if the trier of fact were to find that Cleveland permitted Morning to use the rental

car then Budget’s payment of damages as a result of the accident would be “involuntary” under

this test. Conversely, if the trier of fact were to find that Cleveland had no role in Morning’s use

of the car, then, as a matter of law, Budget’s payment of damages would be “voluntary.” Thus, it

is these factual questions, rather than the legal conclusion as to voluntary payment, upon which

the jury should have been instructed. For these reasons, the circuit court erroneously ruled that

these issues of fact had no role to play in the trial.

¶ 44    Despite the foregoing legal errors on the part of the circuit court, we conclude that the

court properly denied Cleveland’s motion for JNOV. After reviewing the transcript of the trial,

we find that, had the jury been properly instructed, it could have reasonably concluded that the

                                                   19
testimonies of Cleveland and Morning, specifically, that Morning took the rental car without

Cleveland’s permission, lacked credibility. First, Cleveland testified that she knew Morning did

not have a valid driver’s license on the date of the accident, while Morning testified that

Cleveland did not know his license had been suspended. Next, Cleveland testified that she did

not report the car stolen to police or Budget following the accident. Cleveland also testified that

she did not live with Morning at the time of the accident, although she admitted she had listed

the same address for both herself and Morning on the accident report. Additionally, although

Cleveland filled out the accident report on May 22, 2010, she admitted that she did not comply

with Seemann’s subsequent requests for information regarding the accident. Moreover,

Seemann’s affidavit contained evidence that Cleveland had failed to cooperate with his

investigation. Finally, Morning’s version of events could reasonably be called into question,

given his admission at trial that he had multiple prior felony convictions.

¶ 45   As set forth above, although conflicting evidence was presented on the issue, the jury

could have reasonably concluded that Cleveland allowed Morning to drive the rental car on the

date of the accident. See Dunning, 2015 IL App (5th) 140168, ¶ 17 (citing Ford, 398 Ill. App. 3d

at 650). Accordingly, we cannot conclude that the evidence and inferences so overwhelmingly

favor Cleveland that no contrary verdict based on that evidence could ever stand. See Thornton,

237 Ill. 2d at 107. Thus, the circuit court properly denied Cleveland’s motion for a JNOV.

¶ 46                            B. Motion for a New Trial

¶ 47   Next, we note that Cleveland’s motion for a new trial was based on the circuit court’s

denial of her request for a jury instruction regarding her affirmative defense of voluntary

payment. However, as already noted, the circuit court erred in this determination, and we find, as

a matter of law, that Budget was required to prove that Cleveland’s affirmative act or omission

                                                20
regarding the use of the rental car resulted in Budget’s liability to pay damages to third parties.

See Enterprise Leasing, 2011 IL App (5th) 100201, ¶ 22.

¶ 48   It was incumbent upon the court to make this legal determination and to instruct the jury

accordingly, which it refused to do. “ ‘When a case is tried under an incorrect theory of law the

appropriate action is to reverse the judgment and remand for a new trial.’ ” Reliable Fire

Equipment Co. v. Arredondo, 2011 IL 111871, ¶ 46 (quoting Sparling v. Peabody Coal Co., 59

Ill. 2d 491, 496 (1974)). In light of the foregoing, we remand this case for a new trial consistent

with this opinion.

¶ 49                                     III. Conclusion

¶ 50   For the foregoing reasons, the judgment entered on the jury verdict is reversed and this

cause is remanded for a new trial consistent with this opinion.

¶ 51   Reversed and remanded.

¶ 52   JUSTICE CATES, specially concurring:

¶ 53   I concur with my colleagues that the judgment for Budget should be vacated and that this

matter should be remanded for a new trial. My reasons for this decision, however, are different,

in part, than the analysis of the majority.

¶ 54   First, it is undisputed that Budget brought this breach of contract cause of action as the

owner of the vehicle and sought to recover damages from Cleveland based upon an indemnity

clause in the Agreement. My colleagues have determined that a new trial is warranted because

the jury was improperly instructed on Budget’s burden of proof, and that on retrial the “ultimate

issue” is whether Cleveland had any culpability regarding Morning’s use of the rental car. I agree

                                                 21
that the trial court erred in its legal analysis of this claim, and thus erred in instructing the jury on

Budget’s burden of proof. I do not agree that the issue of whether Cleveland voluntarily, or

involuntarily, allowed Sammy Morning to drive the vehicle is a relevant factor in determining

whether Cleveland breached the Agreement.

¶ 55    In this case, there is no dispute that a valid contract was entered into between the parties.

There is no dispute that Budget performed its obligations under the Agreement, at least as that

obligation required it to provide Cleveland with a rental car. There is also no dispute as to the

material terms contained within paragraphs 14, 15, and 18 of the Agreement. The parties simply

disagree on the application of those material terms to the circumstances that occurred when

Morning took the keys to the rental car and drove it without Cleveland’s permission. And it is

irrelevant, in my view, as to whether Cleveland intentionally or unintentionally allowed Morning

access to the vehicle. Under any circumstance, based upon the evidence in this record, Morning

was an unauthorized user. Thus, the only question was what the term “indemnification” meant

under the Agreement.

¶ 56    The relevant indemnification language was set forth in paragraph 18 and provided as

follows:

                 “18. Indemnification and Waiver: You agree to indemnify us, our parent and
        affiliated companies, for and hold us harmless from any loss, liability and expense that
        we incur arising out of the use of the car, including reasonable attorney’s fees: *** (b)
        which results from any unauthorized use or prohibited operation of the car.”

¶ 57    Under the terms of this clause in the Agreement, the indemnitee, Budget, was required to

prove that it suffered a loss related to the unauthorized use of the car. Thus, there were two

issues. First, there was the issue of whether Budget suffered a loss, which included questions

regarding the nature of the damages suffered by Budget. Second, was the issue of whether

Cleveland was obligated to indemnify Budget for the monies Budget paid to third parties. In that
                                                   22
regard, the law of indemnification required Budget to prove that it was legally obligated to pay

the damages. 4

¶ 58       There was no issue of fact that Morning “used” the rental car, and no issue of fact that he

was the driver when the rental vehicle was involved in an accident on May 22, 2010.

Nevertheless, Budget remained obligated to prove that the sums paid for personal injuries and

property damages were related to the accident resulting from the unauthorized use of its vehicle,

and that there was “a reasonable basis for computation of those damages.” (Emphasis added.)

Schoeneweis v. Herrin, 110 Ill. App. 3d 800, 808 (1982).

¶ 59       Here, the measure of damages for breach of contract was the amount that would have

compensated the aggrieved party for the losses that resulted from the breach, or the losses that

would have been prevented had the contract been fulfilled. Bowman v. Zimny, 256 Ill. App. 3d

386, 390-91 (1993). In support of its proof of loss, Budget offered the affidavit of Scott

Seemann. Cleveland objected to the introduction of this affidavit. After some discussion between

the parties and the court, the affidavit was admitted into evidence with the stipulation that it

represented the testimony that Seemann would have given, if called as a witness. The affidavit,

alone, was nothing more than proof of amounts paid, and Cleveland’s counsel was very clear

with the court that the affidavit was not to be construed as an admission of disputed facts. The

court then attempted to further clarify the limited purpose of the affidavit for Budget’s counsel,

stating:

           “But you understand that as to a question of fact, you [Budget’s counsel] understand that
           if there’s still a question of fact, the defendant is not agreeing to the question of fact being
           determined by this affidavit. It just is the testimony of this witness, Scott Seemann. You
           understand that?”

           4
         An example of a legal obligation to pay would be if a lawsuit had been filed by one of the third
parties against Budget, and a verdict was rendered in favor of that third party, or the circuit court
approved a settlement of a case.
                                                     23
¶ 60   The record reflects an acknowledgement by Budget’s counsel that the Seemann affidavit

would “be as if Scott Seemann testified in front of the jury and that is how he [Cleveland’s

counsel] would like to handle it.” Even after this exchange, the court offered examples of how

the information in the Seemann affidavit would be used, and further indicated it was willing to

continue the matter to allow Budget’s counsel to call Seemann as a live witness in light of the

objection by Cleveland’s counsel. In short, the trial court did a good job of explaining the limited

purpose for which the affidavit could be used. Budget, nevertheless, declined to continue the

case and agreed to offer the Seemann affidavit for that limited purpose.

¶ 61   Scott Seemann’s affidavit simply indicated that Budget paid money to certain third

parties “as a result of the May 22, 2010 accident.” In paragraph 10 of the affidavit, Seemann

averred:

       “As a result of the May 22, 2010 accident involving the Hyundai Sonata rented by
       Defendant, Shanika Cleveland, Budget Rent-A-Car Systems, Inc. made the following
       payments for property damages and personal injuries:

       a.      $3,141.73 paid to Ebony Jimerson for personal injuries suffered as a result of the
               May 22, 2010 accident. Ms. Jimerson was the operator of a 1993 Mercury Grand
               Marquis.

       b.      $285.00 paid to Shantell Williams, as a parent of Dominic Scott, for personal
               injuries suffered by Mr. Scott as a result of the May 22, 2010 accident. Mr. Scott
               was a passenger in the 1993 Mercury Grand Marquis operated by Ms. Jimerson.

       c.      $615.00 paid to Touchette Regional Hospital for treatment rendered to Dominic
               Scott for personal injuries suffered as a result of the May 22, 2010 accident.

       d.      $8,200.00 paid to Carl Sheard for personal injuries suffered as a result of the May
               22, 2010 accident. Mr. Sheard was a passenger in the 1993 Mercury Grand
               Marquis operated by Ms. Jimerson.

       e.      $1,864.00 paid to Shantell Williams for property damage to her 1993 Mercury
               Grand Marquis as a result of the May 22, 2010 accident.

                                                24
          f.     $16,333.33 paid to Rosie Marshall for personal injuries suffered as a result of the
                 May 22, 2010 accident. Ms. Marshall was the operator of a 1997 Chevrolet
                 Lumina.

          g.     $6,666.67 paid to Allstate Insurance for personal injuries suffered by Ms.
                 Marshall as a result of the May 22, 2010 accident.

          h.     $3,648.88 paid to Rosie Marshall for property damage to her 1997 Chevrolet
                 Lumina as a result of the May 22, 2010 accident.

          i.     $708.75 paid to Allstate Insurance for property damage to the 1997 Chevrolet
                 Lumina as a result of the May 22, 2010 accident.”

¶ 62      Although the Seemann affidavit listed the dollars paid to third parties, Budget could not

rely solely on those figures to prove that the losses were related to the unauthorized use of the

vehicle. Further, the Seemann affidavit alone did not prove the nature and extent of the property

damages or establish a reasonable basis for computing the property losses incurred by the third

parties. Significantly, nothing within the Seemann affidavit qualified Scott Seemann as either an

expert witness with specialized knowledge in the assessment of personal injury or property

damage claims resulting from motor vehicle accidents, or as a lay witness who had sufficient

personal knowledge of the condition and the value of the specific vehicles involved. State Farm

General Insurance Co. v. Best in the West Foods, Inc., 282 Ill. App. 3d 470, 483-84 (1996). Even

if Budget had attempted to qualify Seemann as a lay witness who could give such an opinion,

Seemann would have had to aver that he had a sufficient basis of facts within his personal

knowledge from which he could offer such an opinion. Id. at 484. The Seemann affidavit is

devoid of any facts that would have allowed Budget to rely on the affidavit alone to prove its

claims.

¶ 63      The Seemann affidavit indicated that property damage payments were made for two

vehicles, a 1997 Chevrolet Lumina and a 1993 Mercury Grand Marquis. There seemed to be no

question that these two vehicles were involved in the accident. The owner of the 1993 Mercury
                                                 25
Marquis was not called as a witness to describe the damage to the vehicle. The Seemann

affidavit provided no evidence regarding the nature and extent of the damage sustained by the

1993 Mercury Marquis as a result of the accident. There was no evidence as to why the sum of

$1864 was paid—was it for a total loss or for repairs? There was no evidence as to valuation of a

total loss or the fair and reasonable value of any repair costs. Budget could have attached an

invoice or some proof of payment that would have allowed the finder of fact to determine the

basis for the payment, yet no such information was proffered. Without some evidence, Budget

failed to carry its burden of proof regarding damages as to the payments for the 1993 Mercury

Marquis.

¶ 64   Budget also failed to offer sufficient evidence regarding the payments made for the 1997

Chevrolet Lumina owned by Rosie Marshall. Marshall testified that her vehicle was totaled and

that she was paid around $4500 for the vehicle. Marshall was not asked to describe the damage

to her vehicle, and she was not asked to authenticate an appraisal or any other document

identifying or describing the valuation of the totaled vehicle. According to the Seemann

affidavit, Marshall received $3648.88 for her vehicle, and Allstate received $708.75, totaling

$4357.63. Budget offer no evidence to explain why Allstate was paid any monies for Marshall’s

property damage. It offered no evidence to explain how the property damages were evaluated,

and no evidence that the amounts paid were fair and reasonable for the damages caused by the

accident. Budget’s failure to offer any evidence regarding these payments could not support an

award for property damage.

¶ 65   With regard to the payments made for the alleged personal injuries, the absence of proof

is even more striking. The Seemann affidavit offered no evidence regarding the specific nature of

the injuries alleged to have been suffered by Ebony Jimerson, Dominic Scott, and Carl Sheard.

                                               26
According to the Seemann affidavit, Jimerson, Scott, and Sheard were in the 1993 Mercury

Marquis at the time of the accident. The Seemann affidavit offered no explanation as to the

nature and extent of the injuries suffered by the occupants of the 1993 Mercury Marquis, and

none of the occupants testified at trial. According to the Seemann affidavit, Ebony Jimerson

received $3141.73, and Carl Sheard received $8200. The affidavit, however, did not identify or

describe the injuries to Jimerson or Sheard. It did not indicate whether either received treatment

for their injuries, or whether they incurred medical bills. It did not indicate how the sums paid for

personal injuries were evaluated and whether those payments were fair and reasonable for the

injuries sustained. Likewise, the Seemann affidavit provided no evidence of the nature of the

injuries sustained by Dominic Scott. There is no explanation as to why Shantell Williams was

paid $285 for injuries to Dominic Scott or why Touchette Regional was paid $615 for treatment

rendered to Dominic Scott. The Touchette Regional Hospital bill was not attached to the

affidavit or otherwise introduced into evidence. Had the bill been identified, the amount paid

would have been prima facie evidence of its reasonableness. Arthur v. Catour, 216 Ill. 2d 72, 82

(2005).

¶ 66      Rosie Marshall testified that she was taken to the hospital for a problem with her neck

and back, and that her hospital bill was $10,000. She also testified that she went to physical

therapy for awhile. The Seemann affidavit indicated that Marshall was paid $16,333.33 for

personal injuries and that Allstate Insurance was paid $6666.67 for personal injuries suffered by

Marshall. Nothing in the Seemann affidavit indicated that a payment was made for a hospital bill

or physical therapy bill. Marshall was not asked to identify a paid bill for either the hospital or

physical therapy. Moreover, Marshall was not asked about the extent of her injuries or her

recovery from those injuries at the time of trial. Marshall was not asked to explain why Allstate

                                                 27
Insurance had been paid any sums of money for her personal injuries. Clearly, the insurance

company did not suffer a personal injury. Thus, the record is silent with regard to why this

payment was made. Budget failed to offer evidence to establish the extent of Marshall’s damages

or a basis for its computation of the sums paid to Marshall, and thus did not meet its burden of

proof on this contract claim.

¶ 67    In sum, Budget, not Cleveland, had the burden to prove that the amounts paid for

property damage and personal injuries were related to the unauthorized use of the rental car, and

that there was a reasonable basis for computation of the amounts paid. While Budget identified

sums paid to third parties in the Seemann affidavit, it failed to offer any evidence that the

payments were related to the unauthorized use of the vehicle, and failed to provide a reasonable

basis for having made those payments. Further, had the correct jury instructions been given, the

jury would have been charged with the responsibility of determining whether Budget met its

burden of proving that its losses arose out of the unauthorized use of the car, and, that the

amounts paid were fair and reasonable. Finally, the jury was not allowed to consider the question

of whether Budget was obligated to pay the amounts identified in the Seemann affidavit, or

whether it payed those amounts voluntarily.

¶ 68    This was a simple breach of contract case. The trial court indicated that it would not

instruct the jury on any matter “[t]hat’s not within the four corners of the contract,” but then

failed to allow an instruction on indemnification. The indemnification clause was, indeed, within

the four corners of the Agreement, and was deserving of an instruction. The trial court’s failure

to allow Cleveland to present the affirmative defense of indemnification was error and is the

basis for a new trial.

                                               28
¶ 69   Accordingly, I agree that the judgment entered on the verdict must be vacated and that

this case should be remanded for a new trial.

                                                29
                                  No. 5-17-0458

Cite as:                 Budget Rent-A-Car System, Inc. v. Cleveland, 2020 IL App
                         (5th) 170458

Decision Under Review:   Appeal from the Circuit Court of St. Clair County, No. 15-AR-
                         634; the Hon. Thomas B. Cannady, Judge, presiding.

Attorney                 David Maxwell Duree of David M. Duree & Associates, P.C., for
for                      appellant.
Appellant:

Attorney                 Laura Kristin Beasley of Baker, Sterchi, Cowden & Rice, LLC,
for                      for appellee.
Appellee:

                                        30