{¶ 1} The judgment of the court of appeals is vacated and the cause is remanded to the trial court for application of Ferrando v. Auto-Owners Mut. Ins. Co.,
MOYER, C.J., RESNICK, FRANCIS E. SWEENEY, SR., PFEIFER, O'CONNOR and O'DONNELL, JJ., concur.
LUNDBERG STRATTON, J., concurs separately.
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