WILKINS, J.
On April 13, 1978, at the age of sixteen, the defendant, while operating his father's motor vehicle without authority, negligently caused damage to that vehicle. The vehicle was insured by the plaintiff (insurer), and the insurer paid the father the amount of the damage, less a $200 deductible. Because the son was using the vehicle without authority, he was not an "insured" under his father's policy. The son had no liability insurance coverage applicable...
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