OPINION BY HUDOCK, J.:
¶ 1 In this declaratory judgment action, Anthony Cafaro, a minor, by and through Shari Cafaro, as parent and natural guardian, and Shari Cafaro, individually (collectively, "the Cafaros"), appeal entry of summary judgment in favor of Wall Rose Mutual Insurance Company (hereinafter "Wall Rose"). We affirm.
¶ 2 The trial court has ably summarized the pertinent facts and procedural history of this action as follows:
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