concurring. With this well-written opinion, the majority of this court has now returned to a stance of construing contracts of insurance more reasonably, with the intent and purpose in mind of not only the General Assembly when it enacted R.C. 3937.18(E) [now (G)], but also that of the contracting parties. I commend this result as being in keeping with my dissent in Ady v. West American Ins. Co. (1982), 69 Ohio St. 2d 593, 604 [23 O.O.3d 495].