Justice BRESLIN delivered the opinion of the court:
The plaintiff, Steven M. Cramer, filed suit against the co-defendants, Economy Fire & Casualty Company and Agent Laurie Koester (collectively, Economy), alleging negligence, fraud and deceptive practice in the cancellation of an insurance policy. The trial court denied Economy's motion for summary judgment but certified the following questions for review pursuant to Supreme Court Rule 308 (134 Ill.2d R. 308)...
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