
    Ratkosky, Appellee, v. Scottsdale Surplus Lines Insurance Company et al.; Allstate Insurance Company, Appellant.
    [Cite as Ratkosky v. Scottsdale Surplus Lines Ins. Co., 103 Ohio St.3d 462, 2004-Ohio-5705.]
    
      (No. 2003-1261
    Submitted October 13, 2004
    Decided November 10, 2004.)
    Jeffries, Kube, Forrest & Monteleone Co., L.P.A., and Mark E. Barbour, for appellee.
    Riteler, Coughlin & Swansinger, Ltd., Thomas M. Coughlin Jr., Timothy P. Whitford and Michael A. Paglia, for appellant.
   {¶ 1} The judgment of the court of appeals is reversed on the authority of Kyle v. Buckeye Union Ins. Co., 103 Ohio St.3d 170, 2004-Ohio-4885, 814 N.E.2d 1195.

Moyer, C.J., Lundberg Stratton, O’Connor and O’Donnell, JJ., concur.

Resnick, F.E. Sweeney and Pfeifer, JJ., dissent.  