ORTIQUE, Justice
This suit was brought by Mike Theriot acting individually and on behalf of his minor child, Chad, to recover damages resulting from a bicycle accident which caused certain injuries to Chad's eye. The defendants are Mr. and Mrs. Timothy Monk, David Fontenot, and their respective homeowners insurers, Allstate Insurance Company and State Farm Casualty Company.
I.
On May 8, 1989, Chad Theriot, then eleven...
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