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UNITED SERVICES AUTO. ASS'N v. NEARY

Nos. S-14580, S-14600.

307 P.3d 907 (2013)

UNITED SERVICES AUTOMOBILE ASSOCIATION, Appellant and Cross-Appellee, v. Mary E. NEARY and Patrick T. Neary, individually, and on behalf of their deceased son, Aidan Neary, and Charles J. Schneider, II, and Dareen Puhlick, both individually and on behalf of their minor son, Charles J. Schneider, III, Appellees and Cross-Appellants.

Supreme Court of Alaska.

Rehearing Denied September 16, 2013.

Attorney(s) appearing for the Case

Marc G. Wilhelm and Paul W. Waggoner , Richmond & Quinn, Anchorage, for Appellant/Cross-Appellee United Services Automobile Association.

Deborah A. Holbrook , Law Offices of Deborah A. Holbrook, Juneau, for Appellees/Cross-Appellants Neary.

Daniel G. Bruce and Megan A. Wallace , Baxter Bruce & Sullivan P.C., Anchorage, for Appellees/Cross-Appellants Schneider and Puhlick.

Before: FABE, Chief Justice, STOWERS, MAASSEN, and BOLGER, Justices.

OPINION

MAASSEN, Justice.

I. INTRODUCTION

Fifteen-year-old Kevin Michaud fired a single shot from a revolver belonging to his parents, killing one friend and seriously wounding another. The parents of the two victims sued Kevin, his parents, and their insurance company, United Services Automobile Association (USAA). The Michauds' liability policy provided a $300,000 limit for "Each Occurrence" of...

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