Trying to rescind the auto policy it issued to Andrew Koziol, Direct Auto Insurance Co. invoked Section 154 of the Illinois Insurance Code — which permits rescission when a written application for insurance includes a misrepresentation that was “made with actual intent to deceive” or, if unintentional, “materially affects either the acceptance of the risk or the hazard assumed by the company” — and argued that an alleged misrepresentation about the number of vehicles in Koziol’s …