We affirm on the authority of Ferrigno v. Progressive American Insurance Co., 426 So.2d 1218 (Fla. 4th DCA 1983); First State Insurance Co. v. Stubbs, 418 So.2d 1114 (Fla. 4th DCA 1982); Ruiz v. Prudential Property and Casualty Insurance Co., 441 So.2d 681 (Fla. 3rd DCA 1983).
DOWNEY, LETTS and HURLEY, JJ., concur.