The judgment of the court of appeals is reversed, and the cause is remanded to the trial court to apply Motorists Mut. Ins. Co. v. Brandenburg (1995), 72 Ohio St.3d 157, 648 N.E.2d 488.
Moyer, C.J., Douglas, Resnick and F.E. Sweeney, JJ., concur. Pfeifer, J., concurs in part and dissents in part. Wright and Cook, JJ., dissent.