The opinion
Justice MEYER
dissenting.
I respectfully dissent for the reasons stated in my dissenting opinions in Bass v. N.C. Farm Bureau Mut. Ins. Co., 332 N.C. 109, 113 , 418 S.E.2d 221, 223 (1992), and Smith v. Nationwide Mutual Ins. Co., 328 N.C. 139, 153 , 400 S.E.2d 44, 53 , reh’g denied, 328 N.C. 577 , 403 S.E.2d 514 (1991).