THOMPSON, J.
Robert and Kathy McVey, husband and wife, in their own right and as guardians of their minor daughter, Kristy McVey, appeal the summary dismissal of their action seeking declaratory relief against Nationwide Mutual Insurance Company and Farmers Insurance Company of Washington. We affirm.
On May 8, 1988, 14-year-old Kristy McVey was injured in an automobile accident while riding as a passenger in a
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