953 So. 2d 451 (2006) Michelle MACOLA, et al., Appellants, v. GOVERNMENT EMPLOYEES INSURANCE COMPANY, Appellee. No. SC05-1021. Supreme Court of Florida. October 26, 2006. Rehearing Denied March 27, 2007. *452 Shea T. Moxon, Angela E. Rodante, and Dale M. Swope of Swope and Rodante, P.A., Tampa, FL, and Roy D. Wasson of Wasson and Associates, Miami, FL, Paul T. Cardillo, Tampa, FL, and Lefferts L. Mabie, III, Tampa, FL, for Appellants. B. Richard Young and Stephen D. Gill of Young, Bill, Fugett an..