[Cite as Ford Motor Credit Co. v. Agrawal, 137 Ohio St.3d 561, 2013-Ohio-5199.]

FORD MOTOR CREDIT COMPANY, APPELLANT v. AGRAWAL, APPELLEE. [Cite as Ford Motor Credit Co. v. Agrawal, 137 Ohio St.3d 561, 2013-Ohio-5199.] Court of appeals’ judgment reversed on the authority of Cullen v. State Farm Mut. Auto. Ins. Co.—Cause remanded for further proceedings. (No. 2012-0462—Submitted November 20, 2013—Decided December 17, 2013.) APPEAL from the Court of Appeals for Cuyahoga County, No. 96413, 2011-Ohio-6474. ____________________ {¶ 1} The judgment of the court of appeals is reversed on the authority of Cullen v. State Farm Mut. Auto. Ins. Co., 137 Ohio St.3d 373, 2013-Ohio-4733, 999 N.E.2d 614. The cause is remanded to the appellate court for further proceedings. O’CONNOR, C.J., and O’DONNELL, LANZINGER, KENNEDY, and FRENCH, JJ., concur. PFEIFER and O’NEILL, JJ., dissent. ____________________ O’Melveny & Myers, L.L.P., and Jonathan D. Hacker; Tucker, Ellis & West, L.L.P., and Irene C. Keyse-Walker; and Frantz Ward, L.L.P., Brett K. Bacon, Colleen C. Murnane, and Gregory R. Farkas, for appellant. The Misra Law Firm, L.L.C., and Anand N. Misra; and Robert S. Belovich, for appellee. Severson & Werson and Jan T. Chilton, urging reversal for amicus curiae, American Financial Services Association. _________________________