Lake App. No. 96-L-148. Discretionary appeal allowed; sua sponte, cause consolidated with 97-2143, supra, and cause held for the decision in 97-402 and 97-551, Ross v. Farmers Ins. Group of Cos., Montgomery App. No. 15865, 97-1516, Balatgek, infra, and 97-2056 and 97-2301, Davis v. Farmers Ins. Group of Columbus, Montgomery App. No. 16378; briefing schedule stayed.