PARKER, Circuit Judge:
I. BACKGROUND
This appeal arises from a grant of summary judgment in favor of Amica Mutual Insurance Company ("Amica") in a declaratory judgment action wherein Amica sought and received a declaration of non-liability for the actions of Jong Franklin under two of Amica's policies which provided coverage to its insured Louis Forgione. On November 10, 1991, a fatal automobile accident occurred when sixteen-year old Jong Franklin ("Franklin...
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