The trial court’s decision in this case is affirmed on the authority of Del Prado v. Liberty Mutual Insurance Company, 400 So.2d 115 (Fla. 4th DCA June 17, 1981). We certify that this decision is in direct conflict with Decker v. Great American Insurance Co., 392 So.2d 965 (Fla. 2nd DCA 1980).

Decision approved, Fla., 420 So.2d 1086.