Order unanimously modified on the law and as modified affirmed without costs in accordance with the following Memorandum: Defendant, Home Mutual Insurance Company of Binghamton, New York (Home Mutual), issued a homeowner's insurance policy covering the premises where the infant plaintiff was seriously injured in an accident on August 24, 1989, while he was a guest at the residence of Home Mutual's insured. Home Mutual first received written notice of the accident on March...
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