In accordance with the decision of the Supreme Court in Cawthon v. Waco Fire &c. Ins. Co., 259 Ga. 632 (386 SE2d 32) (1989), the previous decision of this court in the present case, reported at 190 Ga. App. 797 (380 SE2d 327) (1989), is hereby vacated, and the judgment of the trial court is reversed.