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GILCHRIST v. GONSOR

Nos. 2003-1081, 2003-1092.

104 Ohio St.3d 599 (2004)

2004-Ohio-7103

GILCHRIST, APPELLEE, v. GONSOR; UNITED STATES FIDELITY & GUARANTY COMPANY ET AL., APPELLANTS.

Supreme Court of Ohio.

Decided December 30, 2004.

Attorney(s) appearing for the Case

Lowe, Eklund, Wakefield & Mulvihill Co., L.P.A., and Mark L. Wakefield, Cleveland, for appellee.

Davis & Young, Thomas W. Wright, Richard M. Garner, and Patrick M. Roche, West Cleveland, for appellants United States Fidelity & Guaranty Company and St. Paul Fire & Marine Insurance Company.

Janik & Dorman, Steven G. Janik and Matthew J. Grimm, Cleveland, urging reversal for amicus curiae Member Companies of the American International Group, Inc.

Connelly, Jackson & Collier, L.L.P., and Anthony E. Turley, Toledo, urging affirmance for amicus curiae Ohio Academy of Trial Lawyers.

PFEIFER, J.

{¶ 1} The issue in this case is whether insurance policies with a deductible that matches the limit of liability, known as fronting policies, are subject to the provisions of former R.C. 3937.18. We hold that they are subject to those provisions and affirm the judgment of the court of appeals.

{¶ 2} On August 19, 2000, Michael Gilchrist was injured when struck by a vehicle driven by Arthur Gonsor. At the time he was injured...

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