OPINION
KELLEHER, Justice.
This appeal concerns a petition for declaratory judgment filed by Mary Martin (Mary) to determine the liability of Lumbermen's Mutual Casualty Company (Lumbermen's) to the estate of Bruce Martin (Bruce). The parties submitted an agreed statement of facts, the pertinent portions of which follow.
On March 28, 1985, Bruce received fatal injuries when a vehicle in which he was a passenger struck a tree in Warren, Rhode Island...
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