
    Bowser et al., Appellees and Cross-Appellants, v. Nationwide Insurance Company, Appellant and Cross-Appellee.
    [Cite as Bowser v. Nationwide Ins. Co. (1997), 77 Ohio St.3d 372.]
    (No. 96-1424
    Submitted December 11, 1996
    Decided January 29, 1997.)
    
      Froelich & Weprin, L.P.A., and Gary L. Froelich, for appellees and cross-appellants.
    
      Jenks, Surdyk & Cowdrey Co., L.P.A., and Edward Dowd, for appellant and cross-appellee.
   The discretionary appeal is denied.

The discretionary cross-appeal is allowed.

The judgment of the court of appeals on cross-appeal is reversed, and the cause is remanded to the trial court for further proceedings on the authority of Schaefer v. Allstate Ins. Co. (1996), 76 Ohio St.3d 553, 668 N.E.2d 913.

Moyer, C.J., Douglas, Resnick, F.E. Sweeney, Pfeifer, Cook and Lundberg Stratton, JJ., concur.  