This appeal requires us to determine the scope of the Ohio rule of parental immunity which bars the recovery in a tort action by a child against its parent based upon personal injuries proximately caused by negligent conduct of the parent. Appellants, in their first proposition of law, do not argue for a total abrogation of the rule, but rather urge this court to hold the rule inapplicable where, as here, the parent alleged to be negligent is deceased and liability insurance proceeds alone would be the source for the payment of any judgment granted in favor of the child.
The rule that a parent is immune from liability in a tort action instituted against the parent by a child is universally recognized as one judicially created in Hewlett v. George (1891), 68 Miss. 703, 9 So. 885, and, unlike interspousal immunity, has no common law origin. The rationale in Hewlett for the rule is that such an action distrubs the domestic peace and harmony of the family and is contrary to public policy.
After its pronouncement in Hewlett, the rule, subject to certain exceptions, was adopted in practically all jurisdictions and represented the overwhelming weight of authority.2 A *229principal reason articulated in support of the rule, in addition to the family tranquility reason, was the danger of fraud and collusion by reason of the widespread existence of liability insurance. Sorensen v. Sorensen (1975), 369 Mass. 350, 339 N.E. 2d 907; Guess v. Gulf Ins. Co. (1981), 96 N.M. 27, 627 P. 2d 869; Streenz v. Streenz (1970), 106 Ariz. 86, 471 P. 2d 282.
Additional reasons relied upon to support the rule were (1) depletion of the family exchequer, (2) the possibility of inheritance by the parent of the amount recovered in damages by the child, and (3) interference with parental care, discipline, and control. Trevarton v. Trevarton (1963), 151 Colo. 418, 378 P. 2d 640; Borst v. Borst (1952), 41 Wash. 2d 642, 251 P. 2d 149; 43 Harvard L. Rev. 1030, 1056.
In a growing number of jurisdictions the parental immunity rule has been in many recent cases reconsidered and abrogated, mostly in part,3 upon the basis that the traditional *230reasons relied upon to support the rule are no longer persuasive, particularly the domestic tranquility and collusion rationale.4 See Annotation 41 A.L.R. 3d 904, Liability of Parent *231for Injury to Unemancipated Child Caused by Parent’s Negligence.
The issue of parental immunity was first before this court in Signs v. Signs (1952), 156 Ohio St. 566. In Signs, a seven-*232year-old child had instituted suit to recover for injuries suffered from the alleged negligence of a partnership, of which her father was a partner, in the maintenance and operation of a gasoline pump. After a review of the historical development of the rule, the court held that “[a] parent in his business or vocational capacity is not immune from a personal tort action by his unemancipated minor child.” Unarticulated, but implicit in such syllabus language, is that the rule of parental immunity was in force in Ohio.
In Teramano v. Teramano (1966), 6 Ohio St. 2d 117, the issue of parental immunity was again before this court. In Teramano, the plaintiff was an unemancipated child who was struck in the driveway of his home by an automobile operated by his father who it was alleged was operating his automobile at a high speed and under the influence of intoxicants. The court, in denying the right of recovery, and after concluding that the father’s conduct was not intentional or malicious, held the following:
“1. A parent is immune from suit by his unemancipated minor child for tort unless facts of the case are sufficient to show abandonment of the parental relationship. (Signs v. Signs, 156 Ohio St. 566, explained.)
“2. A malicious intent to injure existing in the conduct of a parent toward his minor unemancipated child evidences abandonment of the parental relationship. Malicious intent to injure in such cases may be actual or implied.
“3. Where the petition filed by an unemancipated minor against his parent, seeking damages for personal injuries, alleges that the injuries were willfully inflicted but it becomes apparent upon the opening statement of plaintiffs counsel that the acts complained of were not done with a malicious intention to injure or were not such acts as would justify a presumption of malicious intent to injure, a verdict should be directed for defendant.”
The Court of Appeals below in the case sub judice affirmed, essentially, upon the basis that there being no abandonment in the sense of volitional action by Rose Karam in the termination of her relationship with the appellants and no evidence of malicious intent otherwise existing, the holding in Teramano was controlling.
*233Appellants essentially argue that the focus should not be on a wooden application of the concept of abandonment, as that term is defined as embracing intentional action, but rather upon the fact that when the parent is deceased, liability insurance coverage exists and all remaining family members join in the suit; thus, the basic rationale of the rule respecting disturbance of family tranquility does not exist and the parental immunity rule should not apply. Assuming, arguendo, there is merit in such argument, there still exists an important public policy aspect which requires consideration.
In adjudicating the issue of parental immunity, courts have frequently drawn an analogy to the doctrine of in-terspousal immunity in support of the rule. Although the analogy has been criticized in that the origins of the two doctrines are historically distinct, nevertheless both involve intra family litigation and rest in part upon the same ground, i.e., that of public policy in the prevention of fraud and collusion.5
Understandably, therefore, courts in jurisdictions having in effect a doctrine of interspousal immunity have relied upon the existence of interspousal immunity to support the parental immunity doctrine. Downs v. Poulin (Me. 1966), 216 A. 2d 29; Luster v. Luster (1938), 299 Mass. 480, 13 N.E. 2d 438. By the same token, when a jurisdiction has abrogated the doctrine of interspousal immunity, courts have utilized such rejection in abrogating parental immunity upon the basis that a principal supporting underpinning, i.e., fraud and collusion, having been rejected in interspousal litigation, it was equally without merit in parental immunity adjudication. Hebel v. Hebel (Alaska 1967), 435 P. 2d 8; Gibson v. Gibson (1971), 3 Cal. 3d 914, 92 Cal. Rptr. 288, 479 P. 2d 648; Black v. Solmitz (Me. 1979), 409 A. 2d 634; Turner v. Turner (Iowa 1981), 304 N.W. 2d 786; *234France v. A.P.A. Transport Corp. (1970), 56 N. J. 500, 267 A. 2d 490; Plumley v. Klein (1972), 388 Mich. 1, 199 N.W. 2d 169; Guess v. Gulf Ins. Co., supra (96 N.M. 27).
As noted in Varholla v. Varholla (1978), 56 Ohio St. 2d 269, 270, this court in Lyons v. Lyons (1965), 2 Ohio St. 2d 243, approved interspousal immunity with one of the three principal reasons being articulated as, “the immunity prevents fraud and collusion at the expense of tactically disadvantaged insurance companies.” In Bonkowsky v. Bonkowsky (1982), 69 Ohio St. 2d 152, this court reaffirmed its adherence to the doctrine of interspousal immunity.
We view Bonkowsky as foreshadowing our holding herein inasmuch as we cannot logically accept as meritorious the collusion argument to support a doctrine of interspousal immunity and yet find the same argument insubstantial in child-parent litigation. This is particularly so when, as here, the surviving parent occupies the positions of plaintiff, in both a representative and individual capacity, and also of defendant in a representative capacity, and the children seeking damages are under his custody and control and dependent upon him for care and support.6
For the above reasons, we reject appellants’ first proposition of law and adhere to the rule of parental immunity for negligent acts by a parent as enunciated in Teramano v. Teramano, supra.
As a second proposition of law appellants assert the court erred in sustaining a motion to dismiss the two insurance companies. We agree that this was error, but not prejudicial. Although the general rule is that no direct action is permissible by an injured party against a tortfeasor’s liability insurance company, the right of action against the company arising under R. C. 3929.20 only after the tortfeasor has obtained a judgment against the insured which is unpaid, this court enunciated an exception in the second paragraph of the syllabus in Heuser v. Crum (1972), 31 Ohio St. 2d 90, as follows:
“Where it is alleged in an action for bodily injuries that *235such injuries were proximately caused by the negligence of a decedent and that he had a policy of insurance insuring him against liability for such negligence, and it does not appear that any other claims covered by such insurance have been asserted, such action may be brought against the executor or administrator of such decedent, and decedent’s liability insurer, at any time within the statute of limitations on such actions without presenting a claim against the estate within the time specified in R. C. 2117.06 or R. C. 2117.07, and timely service of summons upon the insurer-defendant is sufficient to commence the action.” (Emphasis added.)
Under the facts herein, the exception is applicable and joinder proper. However, inasmuch as we have rejected appellants’ first proposition of law, the error is necessarily harmless.
Accordingly, the judgment of the Court of Appeals, is affirmed.
Judgment affirmed.
Victor, Locher, Holmes and Krupansky, JJ., concur. Sweeney, Acting C. J., and C. Brown, J., concur in part and dissent in part. Stephenson, J., of the Fourth Appellate District, sitting for Celebrezze, C. J. Victor, J., of the Ninth Appellate District, sitting for W. Brown.The generally recognized exceptions were summarized in Gibson v. Gibson (1971), 3 Cal. 3d 914, at page 918, 92 Cal. Rptr. 288, 290, 479 P. 2d 648, thusly:
*229“No sooner had American courts, including our own, embraced the parental immunity doctrine than they began to fashion a number of qualifications and exceptions to it. In Martinez v. Southern Pacific Co., supra, 45 Cal. 2d 244, we allowed an emancipated minor to sue her parent for simple negligence; in Emery v. Emery (1955), 45 Cal. 2d 421 [289 P. 2d 218], we held that wilful or malicious torts were not within the scope of the immunity. Courts in other states compounded the doctrine’s idiosyncrasies in decisions permitting tort actions by minors against the estate of a deceased parent (Davis v. Smith (3d Cir. 1958), 253 F. 2d 286; Dean v. Smith (1965), 106 N.H. 314 [211 A. 2d 410]; Brennecke v. Kilpatrick (Mo. 1960), 336 S.W. 2d 68); against the parent in his business capacity (Signs v. Signs (1952), 156 Ohio St. 566 [103 N.E. 2d 743]; Borst v. Borst (1952), 41 Wash. 2d 642 [251 P. 2d 149]; Lusk v. Lusk (1932), 113 W. Va. 17 [166 S.E. 538]; Dunlap v. Dunlap, supra, 84 N.H. 352); and against the parent’s employer under respondeat superior for the tort of the parent within the scope of his employment. (Stapleton v. Stapleton (1952), 85 Ga. App. 728 [70 S.E. 2d 156]; O’Connor v. Benson Coal Co. (1938), 301 Mass. 145 [16 N.E. 2d 636]; Mi-Lady Cleaners v. McDaniel (1938), 235 Ala. 469 [179 So. 908, 116 A.L.R. 639]; Chase v. New Haven Waste Material Corporation (1930), 111 Conn. 377 [150 A. 107, 68 A.L.R. 1497].)”
The identifiable reason for only partial abrogation of the rule is a general consensus of opinion that certain areas of conduct inherent in the parent-child relationship involving the exercise of discretion must be entitled to immunity. See Section 895G of the Restatement of Torts 2d (1979) and commentary thereto. A marked lack of unanimity in accommodating this area of immunity exists in those jurisdictions which have abrogated the immunity rule. Courts have ranged from undertaking to judicially enunciate certain exceptions, as in Goller v. White (1963), 20 Wis. 2d 402, 122 N.W. 2d 193, i.e. “(1) [w]here the alleged negligent act involves an exercise of parental authority over the child, and (2) where the alleged negligent act involves an exercise of ordinary parental discretion with respect to the provision of food, clothing, housing, *230medical and dental services, and other care” (Id. at 413); to adoption in Gibson v. Gibson, supra (3 Cal. 3d 914), at page 921, of immunity under a test of “what would an ordinary reasonable and prudent parent have done in similar circumstances ?”; confinement to abrogation in negligent driving cases only with precise areas of immunity to be subsequently developed in future adjudication, Hebel v. Hebel (Alaska 1967), 435 P. 2d 8; together with two jurisdictions restricting recovery solely to liability insurance proceeds, Sorensen v. Sorensen (1975), 369 Mass. 350, 339 N.E. 2d 907, and Williams v. Williams (Del. 1976), 369 A. 2d 669. The Goller exceptions have been criticized in Gibson v. Gibson, supra, at page 921, and Anderson v. Stream (Minn. 1980), 295 N.W. 2d 595, 598; the reasonable parent exception has been the subject of criticism in Pedigo v. Rowley (1980), 101 Idaho 201, 610 P. 2d 560; and the abrogation of immunity only in automobile negligence cases together with restricting recovery to insurance proceeds rejected in Black v. Solmitz (Me. 1979), 409 A. 2d 634, 639, as “[tjhose limitations seem to us objectionable as suggesting that the decision to restrict immunity is based on expediency rather than on correct legal principles. In our view such decisions are difficult to defend against the charge that they effect a result more appropriately reserved for legislation. Furthermore, the Massachusetts rule tailoring abrogation to the amount of the parent’s automobile liability insurance leads to difficulties by unavoidably introducing the fact of defendant’s insurance, and the amount of it, as elements of a claim or defense.”
Given the inability of courts to agree, when the parental immunity rule is partially abolished, of the areas in which it should be retained, it would appear a reasonable conclusion that abrogation in any event should emanate from the General Assembly with the scope of immunity abolished and remaining precisely drawn for the benefit of litigants, bench and Bar.
The parental immunity doctrine has not been initially adopted, or if adopted, has been abrogated in whole or in part in the following jurisdictions:
1. Alaska, Hebel v. Hebel, supra.
2. Arizona, Streenz v. Streenz (1970), 106 Ariz. 86, 471 P. 2d 282.
3. California, Gibson v. Gibson, supra.
4. Connecticut, Gen. Stat. Section 52-572c (1981 Rev.).
5. Delaware, Williams v. Williams, supra.
6. Hawaii, Tammashiro v. De Gama (1969), 51 Haw. 74, 450 P. 2d 998.
7. Iowa, Turner v. Turner (1981), 304 N.W. 2d 786.
8. Kansas, Nocktonick v. Nocktonick (1980), 227 Kan. 785, 611 P. 2d 135.
9. Kentucky, Thurman v. Etherton (1970), 459 S.W. 2d 402; Rigdon v. Rigdon (1971), 465 S.W. 2d 921.
10. Massachusetts, Sorensen v. Sorensen, supra.
11. Maine, Black v. Solmitz, supra.
12. Michigan, Plumley v. Klein (1972), 388 Mich. 1, 199 N.W. 2d 169.
13. Minnesota, Silesky v. Kelman (1968), 281 Minn. 431, 161 N.W. 2d 631; Anderson v. Stream, supra.
14. Missouri, Fugate v. Fugate (1979), 582 S.W. 2d 663.
*23115. New Hampshire, Briere v. Briere (1966), 107 N.H. 432, 224 A. 2d 588.
16. New Jersey, France v. A.P.A. Transport Corp. (1970), 56 N.J. 500, 267 A. 2d 490.
17. New Mexico, Guess v. Gulf Ins. Co. (1981), 96 N.M. 27, 627 P. 2d 869.
18. New York, Gelbman v. Gelbman (1969), 23 N.Y. 2d 434, 245 N.E. 2d 192.
19. Nevada, Rupert v. Steinne (1974), 90 Nev. 397, 528 P. 2d 1013.
20. North Carolina, Gen. Stat. Section 1-539.21 (1981 Supp.).
21. North Dakota, Neuelle v. Wells (1967), 154 N.W. 2d 364.
22. Pennsylvania, Falco v. Pados (1971), 444 Pa. 372, 282 A. 2d 351.
23. South Carolina, Elam v. Elam (1980), 275 S.C. 132, 268 S.E. 2d 109.
24. Virginia, Smith v. Kauffman (1971), 212 Va. 181, 183 S.E. 2d 190.
25. Vermont, Wood v. Wood (1977), 135 Vt. 119, 370 A. 2d 191.
26. Washington, Merrick v. Sutterlin (1980), 93 Wash. 2d 411, 610 P. 2d 891.
27. West Virginia, Lee v. Comer (1976), 224 S.E. 2d 721.
28. Wisconsin Goller v. White, supra.
The Supreme Court of Florida has not decided the issue of parental immunity. However, several appellate courts in Florida have decided the issue with conflicting results. See Ard v. Ard (Fla. App. 1981), 395 So. 2d 586; Horton v. Unigard Ins. Co. (Fla. App. 1978), 355 So. 2d 154.
The following jurisdictions continue to follow the doctrine of parental immunity:
1. Alabama, Owens v. Auto Mutt. Indem. Co. (1937), 235 Ala. 9, 177 So. 133. 2. Arkansas, Thomas v. Inmon (1980), 268 Ark. 221, 594 S.W. 2d 853.
3. Colorado, Horton v. Reaves (1974), 186 Colo. 149, 526 P. 2d 304; Hansen v. Hansen (Colo. App. 1979), 608 P. 2d 365.
4. Georgia, Wisenbaker v. Zeigler (1976), 140 Ga. App. 90, 230 S.E. 2d 97.
5. Idaho, Pedigo v. Rowley, supra.
6. Illinois, Gerrity v. Beatty (1978), 71 Ill. 2d 47, 373 N.E. 2d 1323; Illinois Nat’l Bank & Trust Co. v. Turner (1980), 83 Ill. App. 3d 234, 403 N.E. 2d 1256.
7. Indiana, Hunter v. State (1977), 172 Ind. App. 397, 360 N.E. 2d 588; Vaughan v. Vaughan (1974), 161 Ind. App. 497, 316 N.E. 2d 455.
8. Maryland, Shell Oil Co. v. Ryckman (1979), 43 Md. App. 1, 403 A. 2d 379; Montz v. Mendaloff (1978), 40 Md. App. 220, 388 A. 2d 568.
9. Mississippi, McNeal v. Estate of McNeal (1971), 254 So. 2d 521.
10. Montana, State Farm Mutual Auto Ins. Co. v. Leary, (1975), 168 Mont. 482, 544 P. 2d 444.
11. Nebraska, Pullen v. Novak (1959), 169 Neb. 211, 99 N.W. 2d 16.
12. Ohio, Teramano v. Teramano (1966), 6 Ohio St. 2d 117, 216 N.E. 2d 375.
13. Oklahoma, Van Wart v. Cook (Okla. App. 1976), 557 P. 2d 1161.
14. Oregon, Chaffin v. Chaffin (1964), 239 Ore. 374, 397 P. 2d 771.
15. Rhode Island, Castellucci v. Castellucci (1963), 96 R.I. 34, 188 A. 2d 467.
16. Tennessee, Campbell v. Gruttemeyer (1968), 222 Tenn. 133, 432 S.W. 2d 894.
17. Texas, Felderhoff v. Felderhoff (1971), 473 S.W. 2d 928.
18. Wyoming, Oldman v. Bartshe (1971), 480 P. 2d 99.
The tenor of non-syllabus language in Signs v. Signs (1952), 156 Ohio St. 566, can fairly be read to evidence a skepticism of the rationale supporting the rule of parental immunity. Indeed, language from Signs was utilized in Falco v. Pados, supra, in support of rejection of the parental immunity doctrine. In Signs not only was it stated that the general rule of interspousal immunity did not support parental immunity, the court further addressed and found unpersuasive the fraud and collusion underpinning for the rule. However, the language in Signs, decided in 1952, must be read in light of the strong policy position respecting fraud and collusion adopted in the other aspect of in-tra family tort litigation, i.e., interspousal, in 1965 in Lyons v. Lyons, 2 Ohio St. 2d 243, and in the adherence to the parental immunity rule in the following year in Teramano v. Teramano, supra.
The Supreme Court of Kansas mNocktonick v. Nocktonick, supra, abrogated the doctrine of parental immunity but retained interspousal immunity. We view such result as paradoxical in the same vein as Prosser on Torts (4 Ed.), 865, fn. 75, which describes as the “height of inconsistency” the holdings by some courts in permitting action by the wife but denying it to the child.