Moyer, C.J., Douglas, Resnick, F.E. Sweeney and Pfeifer, JJ., concur.Cook, J., concurs in judgment only.Lundberg Stratton, J., dissents.Elk & Elk Co., L.P.A, and Todd 0. Rosenberg, for appellants.Isaac, Brant, Ledman & Teetor, Steven G. LaForge and Barbara Kozar Letcher, for appellee Ohio Farmers Insurance Company.Mann & Preston, L.L.P., and Mark A Preston, for appellee State Farm Mutual Automobile Insurance Company.