PHIPPS, Judge.
This case presents the question of whether a homeowner's policy provides coverage for a motorized all terrain vehicle ("ATV") in a field 400 yards from the insured's residence, while operated for recreational purposes by a 14-year-old nonrelative nonresident of the insured's home.
The facts, which are largely undisputed, are as follows. Edward Morton allowed 14-year-old Patricia Huncke to operate his four-wheel drive ATV for her recreation....
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