Toulon v. CNA Financial Corporation et al
Filing
59
MEMORANDUM Opinion and Order. Signed by the Honorable Manish S. Shah on 2/12/2016: Continental's motion to dismiss 49 is granted, and the Second Amended Complaint is dismissed with prejudice. The clerk shall enter judgment in favor of defendant and terminate this case. [For further detail see attached order.] Notices mailed by Judicial Staff. (psm, )
UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF ILLINOIS
EASTERN DIVISION
SOPHIE P. TOULON,
Plaintiff,
No. 15 CV 138
v.
CONTINENTAL CASUALTY COMPANY,
Judge Manish S. Shah
Defendant.
MEMORANDUM OPINION AND ORDER
Plaintiff Sophie Toulon’s first amended complaint alleged that defendant
Continental Casualty Company committed fraud when it sold her an insurance
policy. That complaint was dismissed for failure to state a claim, [40], and Toulon
filed a second amended complaint, again asserting that Continental committed
fraud. The gist of Toulon’s theory remains the same, and Continental moves once
again to dismiss. For the following reasons, the motion is granted and the complaint
is dismissed with prejudice.
I.
Legal Standard
“A motion to dismiss pursuant to Federal Rule of Civil Procedure 12(b)(6)
challenges the viability of a complaint by arguing that it fails to state a claim upon
which relief may be granted.” Camasta v. Jos. A. Bank Clothiers, Inc., 761 F.3d 732,
736 (7th Cir. 2014). Under the federal notice pleading standards, a plaintiff’s
“[f]actual allegations must be enough to raise a right to relief above the speculative
level.” Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 555 (2007). Put differently, a
“complaint must contain sufficient factual matter, accepted as true, to ‘state a claim
to relief that is plausible on its face.’” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009)
(quoting Twombly, 550 U.S. at 570). The plausibility test does not permit a court to
disregard factual allegations simply because they seem unlikely. Firestone
Financial Corp. v. Meyer, 796 F.3d 822, 827 (7th Cir. 2015). Under Federal Rule of
Civil Procedure 9(b), a plaintiff alleging fraud must do so with particularity, which
generally means a plaintiff must plead “the who, what, when, where, and how of the
fraud.” Camasta, 761 F.3d at 737.
II.
Background
In 1998, defendant Continental Casualty Company introduced long-term care
insurance policies under the series name “Preferred Solution.” [43] ¶ 2.1 Plaintiff
Sophie
Toulon—a
Preferred
Solution
subscriber—alleges
Continental
used
intentionally unreasonable “lapse rate” assumptions to make the policies seem more
affordable than they were. Id. ¶ 16. By setting initial premiums at artificially low
rates, Continental could sell lower-income insureds policies they could not afford,
and collect premiums from them while they were unlikely to file claims. Id. ¶¶ 17,
63. Once these insureds became more likely to make claims, Continental drove
them out of the policies by increasing premiums to levels they could not afford. Id.
¶ 18.
Toulon claims Continental’s fraud was made possible by certain statements it
conveyed through the documentation it provided to Toulon. Specifically, its “Notice
1
Bracketed numbers refer to entries on the district court docket.
2
to Applicant Regarding The Long Term Care Insurance Personal Worksheet”
stated:
(1)
(2)
(3)
(4)
(5)
“CNA has established some reasonable guidelines to help you in your
considerations”;
“A rule of thumb that might be considered is that annual premiums in
excess of 7% of your income or 3% of your assets may adversely affect
your standard of living”;
“If you are buying this policy to protect your assets and your assets are
less than $30,000.00, you may wish to consider other options for
financing your long term care”;
“While the purchase of long term care insurance can help you maintain
your independence, help preserve your assets, and give you more
freedom of choice as to nursing home or other care providers, you
would you would be ill advised to purchase any policy that would
create a financial hardship for you”; and
“Your ability to pay the initial premium and renewal premiums must
be taken into account in your decision to buy.”
Id. ¶¶ 21, 85. Continental’s “Long Term Care Insurance Personal Worksheet”
stated:
(1)
(2)
(3)
(4)
(5)
“The company has a right to increase premiums in the future”;
“The company has sold long term care insurance since 1965 and has
sold this policy since 1998”;
“The company has not raised its rates for this policy”;
“However, the company did raise rates by 15% in 1995 on long term
care policies sold seven to 12 years ago that provided essentially
similar coverage”; and
“Have you considered whether you could afford to keep this policy if
the premiums were raised, for example, by 20%?”
Id. ¶¶ 26–27, 86. And the “Traditional Long Term Care Insurance Policy” itself
stated:
(1)
(2)
“However, We may change the premium rates”; and
“PREMIUMS SUBJECT TO CHANGE.”2
The complaint contradicts itself by alleging at times that the Policy contains only one
reference to future premium changes, [43] ¶¶ 24, 91, and at other times that the Policy
contains two different references. Id. ¶¶ 76, 163. The Policy is an exhibit to the complaint
2
3
[43-2] at 13. Toulon claims Continental knew that future premium increases would
occur and would far exceed 20%. [43] ¶ 32. Continental did not disclose this
information to potential customers, allegedly because it knew that doing so would
dissuade them from buying the policy. Id. ¶¶ 23, 25, 29.
Relying on the information Continental set forth in its documentation,
Toulon purchased a policy in 2002. Id. ¶ 30. Eleven years later—once a 10-year
rate-lock period had expired—Continental told Toulon that her semi-annual
premium was increasing by 76.50%. Id. ¶ 32. Toulon filed this suit in response.
Toulon’s second amended complaint, which she purports to bring on behalf of
a nationwide class of similarly situated individuals, alleges claims for “Fraudulent
Misrepresentation,” “Fraudulent Omissions,” “Unjust Enrichment,” and “Consumer
Fraud Acts / Deceptive Trade Practices Acts.” See [43]. Jurisdiction arises under the
Class Action Fairness Act. See 28 U.S.C. § 1332(d)(2)(A).
Despite surpassing its predecessor by 16 pages in length, the second amended
complaint does not differ substantially from the first. But Toulon does include a few
new allegations. Most importantly, the statements from the Notice and Policy that
Toulon identifies as misleading did not appear in the first amended complaint. See
[23]. And Toulon newly alleges that both the initial premium and one of the
statements from the Policy, and not just the statements from the Worksheet, are
false statements of material fact. [43] ¶¶ 91–92, 96. Toulon also alleges that the
Worksheet omits several statements that were mandated by an Illinois Department
and therefore part of the pleadings. Fed. R. Civ. P. 10(c). It includes the two statements
noted above, both of which will be considered.
4
of Insurance regulation. Id. ¶ 72. Finally, Toulon no longer brings a claim for
“Negligent Misrepresentation.” The remaining amendments to Toulon’s previous
complaint relate more to form than substance, or are otherwise immaterial.
III.
Analysis
A.
Fraudulent Misrepresentation
In Count I, Toulon alleges a claim for fraudulent misrepresentation under
Illinois law. The elements for fraudulent misrepresentation are: (1) a false
statement of material fact; (2) known or believed to be false by the person making it;
(3) an intent to induce the plaintiff to act; (4) action by the plaintiff in justifiable
reliance on the truth of the statement; and (5) damage to the plaintiff resulting from
such reliance. Doe v. Dilling, 228 Ill.2d 324, 342–43 (2008); Connick v. Suzuki Motor
Company, Ltd., 174 Ill.2d 482, 496 (1996).
Toulon identifies as false statements of material fact, with which Continental
intended to mislead her, the statements from Continental’s Worksheet, one of the
statements from the Policy (“However, We may change the premium rates”), and
the initial premium itself. [43] ¶¶ 88–89, 92, 96. In her response brief, Toulon
includes an additional allegation that the line from the Policy, “PREMIUMS
SUBJECT TO CHANGE,” is another false statement of material fact. [51] at 3.
Putting aside “the axiomatic rule that a plaintiff may not amend [her] complaint in
[her] response brief,” Pirelli Armstrong Tire Corp. Retiree Medical Benefits Trust v.
Walgreen Co., 631 F.3d 436, 448 (7th Cir. 2011), this claim fails because none of the
statements identified can be considered false. As in her first amended complaint,
5
Toulon does not allege anything to the effect of: (1) the company did not actually
have a right to increase premiums; (2) the company has not actually sold long-term
care insurance since 1965 or the subject policy since 1998; (3) the company actually
did raise rates for the subject policy before Toulon bought it; (4) the company did
not actually raise rates by 15% in 1995 on a similar policy; (5) Toulon should not
have considered whether she could have afforded to keep the policy if the premiums
were raised, for example, by 20%; (6) the company may not change the premium
rates; (7) the premium was somehow not the premium;3 or (8) premiums are not
subject to change.
Toulon argues extensively that by presenting to her the possibility of an
increase in her premium, Continental misled her as to both the probability and
magnitude of such an increase. Id. at 5. Toulon’s first contention—that Continental
misrepresented the certainty of a premium increase by calling it a possibility—
requires an unreasonable logical leap and cannot be the basis for a fraudulent
misrepresentation claim. Disclosing a nonspecific possibility of a future premium
increase does not falsely represent the actual chances of an increase in the future.
Toulon’s second contention—that Continental misrepresented a significant
future premium increase as one in the 15% to 20% range—seems to be founded on
the theory that by mentioning any figure at all, Continental committed itself to
premium increases in that ballpark alone. Although Toulon insists otherwise, this
sounds like a misrepresentation of future conduct. And a misrepresentation of
It is unclear what additional fact Toulon could plausibly allege to show that the initial
premium itself was false.
3
6
future conduct can constitute fraud if that misrepresentation is “alleged to be the
scheme employed to accomplish the fraud.” HPI Health Care Services, Inc. v. Mt.
Vernon Hospital, Inc., 131 Ill.2d 145, 168 (1989) (quotation omitted). The complaint
here adequately alleges that Continental’s suggestion of premium amounts was the
scheme used to lull Toulon into buying insurance. But whether Toulon is alleging a
misrepresentation of an existing fact or of future conduct, the theory fails for the
same reason it failed in the first amended complaint: the statements contained in
the Worksheet and Policy were not of the type from which “fraud is the necessary or
probable inference.” Connick, 174 Ill.2d at 496–97. The hypothetical of a potential
20% increase in premiums is taken directly from an Illinois Department of
Insurance regulation mandating the content of the Worksheet.4 See 50 Ill. Admin.
Code 2012.123(c)(2) (West 2002); 50 Ill. Admin. Code 2012 Ex. F (West 2002). With
that regulatory backdrop, it would not be reasonable to infer that Continental was
falsely promising to never raise premiums beyond 20%. Continental advised Toulon
that it had the ability to raise premiums (without any qualification), and the
regulatory context of the 20% hypothetical makes unreasonable Toulon’s inference
that it was a false lulling technique. As before, the complaint does not adequately
allege that Continental falsely promised to limit its premium increases. To the
As Toulon correctly points out, the regulation does not compel inclusion of the hypothetical
question. But it does offer it. She also points out that the regulation does compel three
statements that are missing from the Worksheet: two statements concerning inflation
protection and a confirmation that the insured understands that premiums might increase.
Toulon does not allege, however, that she would have chosen a different course of action
had those statements been included.
4
7
contrary, the complaint’s allegations make it clear that Continental made no such
promise at all.5
Toulon’s fraudulent misrepresentation claim is dismissed.
B.
Fraudulent Omission
Count II contains a claim for fraudulent omission (also known as “fraudulent
concealment”). The analysis of this claim is the same as it was in the first amended
complaint (and largely repeated verbatim here). In order to state a claim for
fraudulent omission, a plaintiff must allege the defendant concealed a material fact
he was under a duty to disclose. Connick, 174 Ill.2d at 500. A duty to disclose arises
in one of several ways. Id. First, a duty arises if the parties have a fiduciary or
confidential relationship as a matter of law, as with attorneys and clients;
principals and agents; or guardians and wards. D’Attomo v. Baumbeck, 2015 IL App
(2d) 140865 ¶ 59. Second, “[w]here a fiduciary or confidential relationship does not
exist as a matter of law . . . a duty to [disclose] may arise from a relationship in
which the defendant is placed ‘in a position of influence and superiority over [the]
plaintiff’ by reason of ‘friendship, agency, or experience.’” Id. (quoting Connick, 174
Ill.2d at 500). Third, if no fiduciary or confidential relationship exists at all, a duty
arises when a defendant “makes an affirmative statement that it passes off as the
whole truth while omitting material facts that render the statement a misleading
‘half-truth.’” Crichton v. Golden Rule Ins. Co., 576 F.3d 392, 397–98 (7th Cir. 2009).
Toulon again has not pled facts that allow an inference of justifiable reliance on that
statement, given the disclaimers contained in both documents. See Davis v. G.N. Mortgage
Co., 396 F.3d 869, 882–83 (7th Cir. 2005).
5
8
The parties unquestionably do not have a fiduciary or special relationship as
a matter of law, and Toulon does not argue otherwise. See Crichton, 576 F.3d at
397–98. Instead, Toulon claims the duty arose from Continental being placed in a
position of influence and superiority over her. Toulon alleges that (1) she was 68
years old when she bought the policy; (2) her highest level of education was high
school; (3) she had no knowledge related to long-term care insurance or the pricing
of premiums; (4) she relied on, and placed her trust in, Continental based on its
highly touted experience in the long-term care insurance market place; and (5) the
Notice and Worksheet contained guidelines and questions for Toulon to consider in
determining whether she could afford the policy. [43] ¶¶ 100–114.
These allegations do not state a fiduciary or special relationship giving rise to
a duty to disclose. If they did, then any insurer that complied with Illinois’s
disclosure requirements would find itself in such a relationship with every elderly
insured who had been unsophisticated in the ways of insurance at the time of
purchase. Such a holding would contradict Illinois’s rule against insurers being
fiduciaries as a matter of law. See Crichton, 576 F.3d at 397–98; Nielsen v. United
Services Automobile Association, 244 Ill. App. 3d 658, 666 (2d Dist. 1993). Further,
the Seventh Circuit has previously rejected a materially similar argument. See
Wigod v. Wells Fargo Bank, N.A., 673 F.3d 547, 571–73 (7th Cir. 2012).
Next, Toulon says many of the statements from the Notice, Worksheet, and
Policy constituted half-truths that Continental presented as the full truth while
omitting the material fact that premiums were certain to increase by over 20%.
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Crichton also featured an insured-plaintiff claiming an insurance company had
lured him into buying insurance with an artificially low premium and omitted
information that would have revealed an inevitable premium hike.6 576 F.3d at
397–98. The Seventh Circuit affirmed dismissal of the claim because, as here, the
plaintiff’s “allegations do not remotely suggest that any of [the insurer’s
communications] purported to be an explanation of all of the underwriting factors
that might affect [the insured’s] insurance premiums.” Id. at 398. And even though
Toulon includes more statements in the second amended complaint than she did in
the first—specifically, the statements from the Notice and the Policy—they do not
cure the deficiencies found in the first amended complaint (and which the Seventh
Circuit found in the Crichton complaint). The statements cannot be read to be a
comprehensive, whole-truth representation of how Continental prices its premiums.
Toulon’s fraudulent omission claims are dismissed.
C.
Unjust Enrichment
In Count III, Toulon pleads a claim for unjust enrichment. “The theory of
unjust enrichment is an equitable remedy based upon a contract implied in law.”
Guinn v. Hoskins Chevrolet, 361 Ill. App. 3d 575, 604 (1st Dist. 2005) (quotation
omitted). “Because it is an equitable remedy, unjust enrichment is only available
Toulon attempts to distinguish Crichton by claiming, without explanation, that the
statements and omissions in that case were less misleading because they did not “directly
implicate” premium rate increases. [51] 9–10. But the representations and omissions
alleged in Crichton explicitly reference premium rate increases, which are at the heart of
the claims in that case. 576 F.3d at 398. That is no less direct than what Toulon alleges
here.
6
10
when there is no adequate remedy at law.” Id. “In other words, where there is a
specific contract that governs the relationship of the parties, the doctrine of unjust
enrichment has no application.” Id. (quotation omitted). Although a plaintiff can
plead unjust enrichment in the alternative, it must not include allegations of an
express contract. Id.
Count III is replete with references to the contract between the parties. See
e.g. [46] ¶¶ 126–128, 130–131. That alone warrants dismissal of this claim, as it did
with the first amended complaint.7 Even if the claim did not include explicit
references to the contract which governs the parties’ relationship, “if an unjust
enrichment claim rests on the same improper conduct alleged in another claim, then
the unjust enrichment claim will be tied to this related claim—and, of course,
unjust enrichment will stand or fall with the related claim.” Cleary v. Philip Morris
Inc., 656 F.3d 511, 517 (7th Cir. 2011). Thus, if the unjust enrichment claim is
founded on fraudulent conduct, the claim will fail if “the underlying claim for fraud
is deficient.” Mulligan v. QVC, Inc., 382 Ill.App.3d 620, 631 (1st Dist. 2008).
Toulon’s “theory of unjust enrichment is based on Continental’s fraudulent
conduct and its violations of the [Illinois Consumer Fraud Act].” [51] at 10. As
explained above and below, Toulon’s other claims are deficient and must be
dismissed. The unjust enrichment claim is dismissed, as well.
Toulon argues that so long as she does not allege a claim for breach of contract, her unjust
enrichment claim can stand. But Guinn makes clear that allegations of an express contract
governing the relationship of the parties are enough to dismiss a claim for unjust
enrichment, regardless of the claims asserted. 361 Ill.App.3d at 604.
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D.
Consumer Fraud and Deceptive Business Practices
Count IV contains claims of consumer fraud and unfair practices under the
Illinois Consumer Fraud Act. Toulon also alleges violations of the consumer fraud
statutes of the other 49 states and the District of Columbia, but she has no
discernible connection to those jurisdictions, and the parties address only the
Illinois Consumer Fraud Act in their briefs.
1. Consumer Fraud Claims
To state a cause of action for consumer fraud under the Illinois Consumer
Fraud Act (815 ILCS 505/1 et seq.) a plaintiff must plead three elements: (1) a
deceptive act or practice by defendant; (2) defendant’s intent that plaintiff rely on
the deception; and (3) that the deception occurred in the course of conduct involving
trade and commerce. Connick, 174 Ill.2d. at 501. The claim “must be pled with the
same particularity and specificity as that required under common law fraud.” Id.
The Seventh Circuit has held that “when analyzing a claim under the ICFA, the
allegedly deceptive act must be looked upon in light of the totality of the
information made available to the plaintiff.” Davis v. G.N. Mortgage Co., 396 F.3d
869, 884 (7th Cir. 2005). An act will not be said to be deceptive when the plaintiff is
explicitly alerted to the complained of result. See id.
Here, the Policy explicitly stated both (1) “PREMIUMS SUBJECT TO
CHANGE” and (2) “However, We may change the premium rates.” And the
Worksheet explicitly warned Toulon that “[t]he company has a right to increase
premiums in the future.” Toulon fails to allege any statement or representation by
12
Continental that limited that right in any way. Instead, Toulon argues that the two
warnings in the Policy, which she identifies as fraudulent statements, deceived her
into thinking that future premium increases were both unlikely and limited. But
even considering the rest of the statements in the Notice and the Worksheet,
including the allusion to a hypothetical scenario where the premiums would be
raised by 20%, the totality of the information made available to Toulon does not
permit the conclusion that Continental violated the Illinois Consumer Fraud Act by
way of a deceptive act.
Toulon also argues that Continental violated the Illinois Consumer Fraud Act
by concealing the facts that the initial premium was artificially low and would
eventually increase by more than 20%. Under the Illinois Consumer Fraud Act, an
“omission or concealment of a material fact in the conduct of trade or commerce
constitutes consumer fraud.” Connick, 174 Ill.2d. at 504. “A material fact exists
where a buyer would have acted differently knowing the information, or if it
concerned the type of information upon which a buyer would be expected to rely in
making a decision whether to purchase.” Connick, 174 Ill.2d. at 505. Under the
statute, “it is unnecessary to plead a common law duty to disclose in order to state a
valid claim of consumer fraud based on an omission or concealment.” Id.
Toulon certainly alleges that foreknowledge of a premium increase due to
Continental’s pricing methodology is a material fact. But she still fails to allege that
that fact was concealed or omitted. As discussed above, Continental did provide
explicit
warnings
that
the
premiums
13
could
increase
without
limitation.
Continental’s failure to be more specific in its warnings does not constitute a
violation of the Illinois Consumer Fraud Act.
2. Unfair Practice Claim
Finally, Toulon alleges that Continental’s conduct—the same conduct alleged
in support of her fraud claims—is unfair in violation of the Illinois Consumer Fraud
Act. To determine whether conduct is unfair, Illinois courts consider three factors:
“(1) whether the practice offends public policy; (2) whether it is immoral, unethical,
oppressive, or unscrupulous; [and] (3) whether it causes substantial injury to
consumers.” Robinson v. Toyota Motor Credit Corp., 201 Ill.2d 403, 417–418 (2002)
(citing F.T.C. v. Sperry & Hutchinson Co., 405 U.S. 233, 244 n. 5 (1972)). “All three
criteria do not need to be satisfied to support a finding of unfairness. A practice may
be unfair because of the degree to which it meets one of the criteria or because to a
lesser extent it meets all three.” Id. A cause of action for unfair practices under the
Illinois Consumer Fraud Act “need only meet the notice pleading standard of Rule
8(a), not the particularity requirement in Rule 9(b).” Windy City Metal Fabricators
& Supply, Inc. v. CIT Tech. Fin. Services, Inc., 536 F.3d 663, 670 (7th Cir. 2008). As
a result, “the complaint need only provide a short and plain statement of the claim
that shows, through its allegations, that recovery is plausible rather than merely
speculative.” Id.
The first factor—whether Continental’s conduct offends public policy—weighs
in favor of Continental. In the complaint, Toulon alleges nothing more than the
statement: “The above-described deceptive and unfair acts offend public policy and
14
cause substantial injury to consumers.” [43] ¶ 170. And Toulon makes no argument
in her response brief after elaborating upon the standard: “[a] practice can offend
public policy if it violates a standard of conduct set out by an existing statute or
common law doctrine that typically governs such situations.” [51] at 17 (quoting W.
Ry. Devices Corp. v. Lusida Rubber Products, Inc., 2006 WL 1697119, at *4 (N.D.Ill.
June 13, 2006)). As Continental points out, many of the statements identified as
misleading were taken directly from a statute governing insurance disclosures. See
50 Ill. Admin. Code 2012.123(c)(2) (West 2002); 50 Ill. Admin. Code 2012 Ex. F
(West 2002). In addition, both parties freely entered into a contract, which
Continental is not alleged to have breached, giving Continental the right to increase
the premium. In light of those facts and Toulon’s lack of supporting argument, the
conduct as alleged is not offensive to public policy.
The second and third factors weigh in favor of Continental, as well. A practice
is immoral, unethical, oppressive, or unscrupulous if it is “so oppressive as to leave
the consumer with little alternative except to submit to it.” Robinson, 201 Ill.2d at
418 (2002). Further, the conduct must “injure the consumer.” Id. Toulon argues that
Continental’s conduct imposed the unreasonable burden of having to choose
between three options: (1) pay a substantially higher premium; (2) accept
diminished benefits; or (3) lose her coverage. She adds that these choices constitute
her injury, as well, although she cites to no allegation under this count. The
Seventh Circuit affirmed dismissal of a case where a mortgage lender imposed on
the plaintiff a fee that it had the contractual right to impose, even if the plaintiff’s
15
noncompliance risked a declaration of default on her loan. Cohen v. Am. Sec. Ins.
Co., 735 F.3d 601, 610 (7th Cir. 2013). The court declared that “there is nothing
oppressive or unscrupulous about giving a counterparty the choice to fulfill his
contractual duties or be declared in default for failing to do so.” Id. Toulon does not
allege that the contract is unconscionable or that Continental attempted to do
anything other than that which it was contractually entitled to do. For those
reasons, the alleged conduct cannot be considered oppressive or injurious.
Toulon’s claims under the Illinois Consumer Fraud Act are dismissed.8
IV.
Conclusion
Continental’s motion to dismiss [49] is granted, and the Second Amended
Complaint is dismissed with prejudice. The clerk shall enter judgment in favor of
defendant and terminate this case.
ENTER:
___________________________
Manish S. Shah
United States District Judge
Date: 2/12/16
The parties also dispute whether Continental’s conduct is exempted from the Illinois
Consumer Fraud Act by Section 10b, which excludes “[a]ctions or transactions specifically
authorized by laws administered by any regulatory body or officer acting under statutory
authority of this State or the United States.” 815 ILCS 505/10b. Continental argues that
Illinois Department of Insurance regulations authorized many of its statements, and any
mandated statements it failed to make did not proximately cause Toulon’s injury. Toulon
contends that the provision does not apply to those statements because Continental did not
fully comply with the regulations, and that Continental made several unauthorized
statements that are nonexempt. These arguments are not addressed here because they are
ancillary to the main arguments, and because the complaint fails to state a claim as
discussed above.
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