
    PROGRESSIVE AMERICAN INSURANCE COMPANY, Appellant, v. Lloyd F. RIMEK, Jr., et al., Appellees.
    No. 92-280.
    District Court of Appeal of Florida, Fifth District.
    Dec. 18, 1992.
    Terence R. Perkins of Monaco, Smith, Hood, Perkins, Loucks & Stout, Daytona Beach, for appellant.
    Philip J. Chanfrau, Jr., of Chanfrau & Chanfrau, Daytona Beach, for appellees.
   PER CURIAM.

We affirm the instant judgment for the reasons explicated in our opinion in Nationwide Mutual Fire Ins. Co. v. Phillips, 609 So.2d 1385 (Fla. 5th DCA 1992).

AFFIRMED.

COBB, COWART and PETERSON, JJ., concur.  