delivered the opinion of the court:
Trinity Biblе Baptist Church (Trinity) brought suit against the defendants to recover for damages to its parsonage caused by a fire which occurred on October 6, 1986. Trinity claimed coverage under policies issued by Federal Kemper Insurance Company (Kemper) and Union Automobile Indemnity Association (Union), аnd also sought damages from Jerry Sokolowski for his alleged negligence in failing to procure insurance coverage. The trial court granted summary judgment in favor of Kemper and Union because each insurance policy contained a one-year time limitation for bringing claims, and Trinity failed to file suit within one year of the occurrence of the fire. The trial court also denied Trinity leave to file an amendment to its complaint to allege negligent conduct on the part of Union. No dispositive rulings were entered with respect to the case against Sokolowski, but the court entered an appropriate Supreme Court Rule 304(a) finding (134 Ill. 2d R. 304(a)).
Trinity raises the following issues: (1) whether the one-year time limitations in the Union and Kemper insurance policies were tolled; (2) whether the one-year time limitations were waived by Union and Kemper and/or whether Union and Kemper аre estopped from asserting the one-year limitation; and (3) whether the trial court erred in refusing to allow Trinity to amend its complaint. We reverse.
The order appealed from provides:
“[T]he court grants the motions for summary judgment filed on behalf of Defendants *** Kemper *** and Union ***. Each contract for insurance had a one year рeriod of limitations. No proof of loss was requested by either defendant. Therefore no tolling of the period of limitations occurred. Plaintiff failed to bring suit within the specified period of time.” (Emphasis added.)
Both the Kemper and Union insurance policy limitations provisions provide in part:
“No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.”
This provision is further limited by section 143.1 of the Insurance Code, which states:
“Whenever any policy or contract for insurance *** contains a рrovision limiting the period within which the insured may bring suit, the running of such period is tolled from the date proof of loss is filed, in whatever form is required by the policy, until the date the claim is denied in whole or in part.” (Emphasis added.) (Ill. Rev. Stat. 1989, ch. 73, par. 755.1.)
Both the Kemper and Union policies contain the following proof-of-loss provision:
“2. Your Duties After Loss. In case of a loss to covered property, you must see that the following are done:
a. give prompt notice to us or our agent;
* * *
g. send to us, within 60 days after our request, your signed, sworn proof of loss which sets forth, to the best of your knowledge and belief:
(1) the time and cause of loss;
(2) the interest of the insured, and all others in the property involved and all liens on the property;
(3) other insurance which may cover the loss;
(4) changes in title or occupancy of the property during the term of the policy;
(5) specifications of damaged buildings and detailed repair estimates;
(6) the inventory of damaged personal property described in 2e above ***.” Emphasis added.
It is undisputed that no request for a proof of loss was made by either Union or Kemper. The trial court ruled: (1) the policy requires the plaintiff to file a proof of loss only if so requested, (2) the statute provides that tolling of the one-year period of limitation occurs from the date the рroof of loss is filed in whatever form required by the policy, and (3) no proof of loss was requested; therefore, no tolling occurred and the claim was time barred. We disagree with the trial court’s analysis.
The basic difficulty with the trial court’s interpretation of the tolling provision and the policy is that it equates “in whatever form is required by the policy” with “after our request.” The statute is not concerned with the timing of the request. The language “in whatever form is required in the policy” is intended to allow the insurers to elicit certain information in a certain form. (See Vole v. Atlanta International Insurance Cо. (1988),
Where the terms of an insurance policy are clear and unambiguous, the words of the policy will be given their plain meaning. (Giardino v. American Family Insurance (1987),
“A model or skeleton of an instrument to be used in a judicial proceeding or legal transaction, containing the principal necessary matters, the proper technical terms or phrases and whatever else is necessary to make it formаlly correct, arranged in proper and methodical order, and capable of being adapted to the circumstances of the specific case.” (Black’s Law Dictionary 586 (5th ed. 1979).)
The phrase in the proof-of-loss provision, “send to us within 60 days after our request,” does not dictatе the form of the proof of loss. Rather, the phrase operates as a condition precedent to the companies’ requirement that a proof-of-loss be filed. Kemper and Union admit that they never requested a proof of loss. Whether or not the request was made, however, is irrelevant to the form which the proof is to take. The proof-of-loss provision in the Kemper and Union policies clearly outlines the form in which the proof is to be submitted: it must be a signed and sworn proof of loss setting forth particular information regarding the claim.
The trial court did not address the question of whether a proof of loss was filed and, if so, whether it was in proper form. The only condition on the filing of the proof of loss is that it be in whatever form is required by the policy. The form of the proof of loss required by Kemper and Union is set forth with particularity in the proof-of-loss prоvision of the companies’ policies. The question is not whether a proof of loss was requested but whether it was filed in the form required. If it was filed, the tolling occurs whether the company requested it or not. We conclude that the trial court erred in holding that because no proof of loss wаs requested, no tolling of the period of limitations occurred. The primary rule of statutory construction is that the court must ascertain and give effect to the intent of the legislature. (People v. Ullrich (1989),
Our holding is consistent with the intent of the legislature with regard to section 143.1, as evidenced by the legislative debate:
“Schuneman: '*** Would this Bill [sic] allow a longer period during which time lawsuits could be brought against insurance companies? ***’
Jaffe: “*** Basically, what happens is that an individual has a policy. He makes a claim against his insurance company and the insurance company just sits on the policy ... on that proof of loss and doesn’t do аnything. And that person believes that at that particular point that he is in fact protected by the insurance company. What really turns out is that while he has filed that thing with the proof of loss, [sic] the insurance company has not moved on, the statute of limitations runs and therefore, the person is out [sic] in making his claim in court. So, basically, this is a consumer protection ***.’ ” (82d Ill. Gen. Assem., House Proceedings, April 22, 1981, at 11 (statements of Representatives Schuneman and Jaffe).)
To hold that the tolling provision does not apply where the insurance company does not specifically request a proof of loss could lead to absurd results. For instance, assume an insurance policy which is completely devoid of a proof-of-loss provision, but with an insured who, on his own initiative, files a thorough proof of loss three months after the date of loss. Further assume that the insurance compаny maintains contact with the insured, conducts an investigation of the claim, and one day after the one-year anniversary of the loss denies the claim. If we adopt the defendants’ interpretation of section 143.1, the insured would not be allowed the benefit of the statutory tolling provision, even thоugh he diligently filed a thorough proof of loss and the insurance company continued to process his claim. The deprivation of the tolling provision would occur simply because the company did not “request” the proof of loss, but the statute does not limit its tolling provision to cases in which the insurance company requested a proof of loss. The tolling provisions are available whenever the proof of loss has been filed whether requested or not. Applying section 143.1 as we have done affords the insured the “consumer protection” which the legislature intended when it рassed section 143.1.
This interpretation does no disservice to the insurance company if the insured furnishes all information required and in the form required. The company can conduct whatever further investigation is necessary and then promptly pay or deny the claim. The statute of limitations is tolled only for the limited time that the company is continuing its investigative and deliberative processes after it has received all the information from its insured.
The trial court did not address the adequacy of the plaintiff’s proof of loss. Both Kemper and Union contend that coverage would not be аfforded even absent their one-year limitation defense. Because the trial court concerned itself solely with the tolling provision in awarding summary judgment for Kemper and Union, we reverse for a determination of the adequacy of the information furnished to comply with the proof-of-loss provision.
Kemper cites Koclanakis v. Merrimack Mutual Fire Insurance Co. (N.D. Ill. 1988),
The proof-of-loss provision in the Koclanakis policy included language similar to that in the instant case:
“In case of loss, the named insured shall:
* * *
(e) submit to the Company within 60 days after requested a signed, sworn statement ***.” (Emphasis added.) (709 F. Supp. at 806 .)
The court held:
“Koclanakis can draw no comfort from [the tolling statute]: He never satisfied the precondition for statutory tolling because, as already discussed, he never filed a proof of loss ‘in whatever form is required by the policy.’ ” (709 F. Supp. at 808 .)
Kemper argues that the virtually identical policy language in Koclanakis and in this case requires this court to follow the ruling of the district court. Wе disagree.
An examination of the facts in Koclanakis reveals that approximately six months after the burglary occurred, the insurer mailed a “sworn statement in proof of loss” to the insured, and requested that the insured sign the form, thereby swearing to the proof of loss. The insured did not comply with this request but instеad filed his proof of loss almost two years after the burglary. The one-year limitation for filing a claim had expired well before the insured filed a proof of loss. It is clear that were the court in that case to have allowed the insured relief, it would have had to interpret the statutory tolling рrovision as permitting the insured to file proof of loss at any time and consequently to indefinitely extend the statute. As noted in People v. Steppan (1985),
Given our decision as to the first issue raised on appeal, we need not reach the issue of whether Kemper and Union waived or are estoрped from asserting the one-year time limitation.
We turn now to the final issue, whether the trial court erred in refusing to allow Trinity to amend its complaint against Union.
Trinity’s complaint against Union currently includes a count for breach of contract and one for vexatious refusal to pay. Trinity attempted to add a count because Sokolowski issued an insurance binder on Union and forwarded it to Union, and Union held the binder issued by Sokolowski, making no effort to issue a policy, cancel the binder, or otherwise advise Trinity and Sokolowski of the status of the insurance before the premises were destroyed by fire.
Section 2 — 616 of the Code of Civil Procedure provides:
“At any time before final judgment amendments may be allowed on just and reasonable terms, *** changing the cause of action or defense or adding new causes of action or defenses ***.” (Ill. Rev. Stat. 1989, ch. 110, par. 2 — 616.)
Section 2 — 616 is to be liberally construed so that cases are decided on their merits and not on procedural technicalities. (Campbell v. Feuquay (1986),
Union argues that mоtions to amend pleadings based on information known to the movant should be made before the case reaches the summary judgment stage. One factor to be considered in ruling on amendments is whether the motion to amend the pleadings would prejudice or surprise the other party. (Shiner v. Friedman (1987),
Union also contends that the trial court properly denied leave to amend because it is apparent that Trinity will be unable to plead a viable cause of action. (See Village of Lake in the Hills v. Illinois Emcasco Insurance Co. (1987),
For the foregoing reasons, we reverse the decision of the circuit court of Clinton County and remand this cause for further proceedings in accordance with this opinion.
Reversed and remanded.
HOWERTON and GOLDENHERSH, JJ., concur.