OPINION
RICHARD H. EDELMAN, Justice.
In this insurance indemnity dispute, Angelica Haro, individually and as next friend of her minor son, Luis Gonzalez, Jr. (collectively, "Haro"), and Luis Gonzalez, Sr. ("Gonzalez") appeal a summary judgment in favor of Universal Underwriters Insurance Company ("Universal") on the grounds that an automobile dealer's garage insurance policy covered the liability of a driver and passenger arising from a test drive of a dealership...
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