COLONIAL INSURANCE COMPANY OF WISCONSIN and GEICO INDEMNITY INSURANCE COMPANY, Defendants Below, Appellants v. WILLIE M. AYERS, Guardian of KANIKA WRIGHT, a minor, Plaintiffs Below, Appellees. HARTFORD UNDERWRITERS INSURANCE COMPANY and NATIONWIDE MUTUAL INSURANCE COMPANY, Defendants Below, Appellants, v. JERRY F. FOSKEY, Personal Representative of FLORENCE FOSKEY, Deceased, Plaintiffs Below, Appellees. No. 121, 2000, No. […]