delivered the opinion of the court:
This action arose as the result of a collision between an automobile driven by Lillian Cook, in which plaintiffs, Lillian Casson and Josephine Pustz, were passengers, and an automobile driven by defendant Gordon Nash. Casson and Pustz sought damages from Nash for their personal injuries allegedly caused by Nash’s negligence. Following a jury verdict in favor of Nash, the circuit court of Cook County entered judgment on the verdict. The appellate court, in a unanimous decision, reversed and remanded for a new trial. (
Nash contends that the appellate court erred in two respects. He first contends that the appellate court erred in limiting his right to inform the jury of the existence of a loan-receipt agreement between the plaintiffs and a dismissed defendant. Nash also contends that the appellate court wrongfully decided that the trial court erred in admitting into evidence only two of the three photographs of Cook’s automobile which were offered by plaintiffs.
On January 25, 1972, Cook was driving her car to work in Chicago after picking up Casson and Pustz. Proceeding northbound on Ashland Avenue, Cook approached the intersection at 119th Street. As Cook entered the intersection, Nash, traveling westbound on 119th Street, also entered the intersection. The front end of Nash’s automobile collided with the passenger side of Cook’s vehicle, whereupon Cook’s vehicle continued forward and ran into a ramp abutment. Although several lawsuits resulted from this incident, only the actions brought by Casson and Pustz are relevant to this appeal. Plaintiffs originally sued both Cook and Nash. Prior to trial, however, each plaintiff entered into a separate loan-receipt agreement with Cook, thereafter dismissing Cook as a defendant. Except for the amounts of money, the agreements were identical. Cass on’s agreement with Cook consisted of the following:
“Lillian Casson, hereby acknowledges receipt from Lillian Cook of the sum of Twenty-Two Thousand Twenty-Three ($22,023.00) Dollars, as a loan without interest, which sum I promise to repay from, and only from, any judgment I am or become legally entitled to collect from Gordon Nash. This agreement is in no way to be construed as evidence of wrongdoing or fault on the part of Lillian Cook. Lillian Cook makes no admission of fault and all parties hereto recognize the fault and gross negligence of Gordon Nash, his excessive speed, carelessness, failure to keep a lookout and reckless driving as the cause of the serious and near fatal injuries of the parties hereto.
It is further agreed, that said monies will be repaid on a 100% basis from and only from the proceeds of Satisfaction of Judgment after verdict by Allstate Insurance Company, as insurer of Gordon Nash, in excess of Forty-Four Thousand ($44,000.00) Dollars. That if a verdict or judgment is returned in the sum of less than Forty-Four Thousand ($44,000.00) Dollars, [sec] Allstate Insurance Company, as insurer of Gordon Nash, I shall only be responsible to pay 50% of said monies received from Lillian Cook. I further agree that I shall use and pursue any reasonable and legal means which are available to me to collect any judgment which I obtain against the said Gordon Nash.”
Plaintiffs then presented a motion in limine requesting that Nash’s attorney be precluded from referring to the loan agreements during his examination of plaintiffs at trial. The trial judge denied the motion, ruling that Nash’s attorney would be permitted to question plaintiffs regarding the agreements.
At trial, plaintiffs again objected to any reference to the loan-receipt agreements, but the court allowed Nash’s attorney to question plaintiffs regarding the agreements. The court refused, however, to admit the actual loan documents into evidence. Cook, the dismissed defendant and driver of the vehicle in which plaintiffs were passengers, did not testify.
Defendant Nash contends that the appellate court erred in holding that it was improper for his attorney to question plaintiffs about their loan-receipt agreements with Cook. Defendant asserts that, under Reese v. Chicago, Burlington & Quincy R.R. Co. (1973),
In Reese, this court first approved the use of a loan-receipt agreement as a type of settlement device, but expressed its concern over having a dismissed defendant testify for the plaintiff in his case against the remaining defendant. (
Here, the defendant was allowed to question not the dismissed defendant, but the plaintiffs themselves, as to the existence of the agreement. We agree with the appellate court that this was error. The relevant principle that emerges from Reese is that when a witness whose interest in the outcome of the case is not apparent to the jury may be influenced by the existence of a loan-receipt agreement, the jury may properly consider the effect of the agreement on the credibility of that witness. The plaintiffs here certainly stood to gain by a recovery against Nash, but this is true in every case. A plaintiff always has an interest in his own recovery. Because the plaintiff’s interest is already apparent (see McCormick, Evidence sec. 274, at 665 (2d ed. 1972)), there is no need for the jury to be informed about the loan-receipt agreement. To expose the existence of the agreement to the jury here was therefore improper.
In addition to being improper, permitting questioning of the plaintiffs as to the loan-receipt agreements was prejudicial. The risk of prejudice to a plaintiff is one of the reasons why the agreement is not admitted substantively. (Reese v. Chicago, Burlington & Quincy R.R. Co. (1973),
Defendant also contends that the appellate court erred in holding that the trial court improperly refused to allow a third photograph of Cook’s automobile into evidence after allowing the first two. Three photos, one of the passenger’s side of the auto and two of the front end, had been taken by Cook’s brother-in-law at the police pound approximately one week after the coEision. Plaintiffs attempted to introduce these photographs into evidence while Cook’s brother-in-law was on the stand. On cross-examination, however, the witness admitted that he did not know what, if anything, had happened to the automobile during the week-long period between the time of the collision and the time that he took the photographs. Nash’s attorney objected, therefore, on the ground of insufficient foundation, but only to the introduction of the photograph of the passenger side of the automobile. The trial court sustained this objection. Thus, only the two photographs to which no objection had been made and which depicted only the damage to the front end of the vehicle were admitted. In holding this to be error, the appellate court found that it was prejudicial to the plaintiffs to allow the jury to see only the two photographs of the front-end damage.
Admission of photographs of the automobile into evidence required some foundation to establish that the automobile, as photographed, was in substantially the same condition as it was at the time of the collision. (Miller v. Pillsbury Co. (1965),
For the foregoing reasons, the judgment of the appellate court is affirmed, and the cause is remanded for a new trial.
Affirmed and remanded.
