GOOLSBY, Judge:
Martha G. Best as guardian ad litem for Burrell G. Best, a minor, sued Ronald W. Falkosky, Mary Falkosky, and Scott Falkosky for injuries Burrell allegedly received in a motorcycle accident. The Falkoskys brought this action for declaratory judgment to determine whether Allstate Insurance Company owed them a duty to defend under their homeowners' policy. The circuit court held Allstate did so. Allstate appeals. We reverse.
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