concurring specially.
I concur in the judgment only of the majority opinion because, as stated in my special concurrence in the case of Desai v. Safeco Ins. Co. of America, 173 Ga. App. 815 (328 SE2d 376) (1985), I am constrained to agree that Allstate Ins. Co. v. Stephens, 239 Ga. 717 (238 SE2d 382) (1977), “is controlling and dispositive and we are bound to follow that decision of our Supreme Court.” Desai, supra at 818 (special concurrence of Carley, J.).