KAPLAN, J.
It is accepted for purposes of this appeal that Brian Hahn negligently threw a ball of plaster at his brother, Jonathan Hahn, a minor, and thereby did serious damage to Jonathan's eye. Jonathan (by his father as next friend) commenced the present action against Brian, and joined Berkshire Mutual Insurance Co. (Berkshire) as a party defendant. Berkshire had issued a "homeowners" policy to the father and mother of Jonathan and Brian. Jonathan sought a
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