
    AUTO-OWNERS INSURANCE COMPANY, Appellant, v. Patsy L. HALL and James E. Hall, Appellees.
    No. 92-1789.
    District Court of Appeal of Florida, Fourth District.
    June 30, 1993.
    Mark M. Bradfield, Bradfield & McAli-ley, P.A., West Palm Beach, for appellant.
    Jane Kreusler-Walsh, Jane Kreusler-Walsh, P.A., and Donald R. Fountain, Jr., Lytal & Reiter, West Palm Beach, for ap-pellees.
   PER CURIAM.

AFFIRMED.

FARMER, J, and JAMES H. WALDEN, Senior Judge, concur.

STONE, J., dissents with opinion.

STONE, Judge,

dissenting.

. I would reverse on the authority of Brixius v. Allstate Insurance Co., 589 So.2d 236 (Fla.1991), and Smith v. Valley Forge Insurance Co., 591 So.2d 926 (Fla.1992).  