2011-Ohio-3244, 949 N.E.2d 1004 Fratilla v. Owners Ins. Co. No. 2011-0615.Supreme Court of Ohio. July 6, 2011. Lucas App. No. L-10-1237, 2011-Ohio-970. Appeals not Accepted for Review. PFEIFER, J., dissents. Tagged: 2011-Ohio-3244949 N.E.2d 1004