Subsequent to the decision by the court of appeals in this case, we issued our decision in McDonald v. Republic-Franklin Ins. Co. (1989), 45 Ohio St. 3d 27, 543 N.E. 2d 456. Based on authority of McDonald, we reverse the judgment of the court of appeals and remand this cause to the trial court for the making of factual findings and the application of McDonald to those findings and for further proceedings.