Case No. 3:10 CV 116. 2011-06-6 OWNERS INSURANCE COMPANY, Plaintiff, v. John BARONE, II, et al., Defendant. Andrew J. Ayers, Robert J. Bahret, Bahret & Associates, Holland, OH, for Plaintiff. Heather L. Allred, John Czarnecki, Cooper & Walinski, Toledo, OH, for Defendant. KATZ Andrew J. Ayers, Robert J. Bahret, Bahret & Associates, Holland, OH, for Plaintiff. Heather L. Allred, John Czarnecki, Cooper & Walinski, Toledo, OH, for Defendant. MEMORANDUM OPINION KATZ, District Judge. This matter is before