Where the effect of an insurance contract cause is to deny coverage to individuals, the burden of proof must fall on the insurer to show that the clause is applicable. The Illinois Appellate Court, 1st District, 1st Division, affirmed the decision of Cook County Circuit Judge Lee Preston and Associate Judge David B. Atkins. At 10 a.m. Dec. 8, 2009, Gricela Calderon drove the SUV she owned to pick up Art Mierzycki at his office in Joliet. Calderon leased the SUV to her son, Jessie, and he was the named insured on the …