Thompson

Defendants Leon Thompson and Mary Thompson appeal from the judgment in favor of plaintiff Allstate Insurance Company (Allstate).

Facts

Allstate initiated this declaratory relief action to contest coverage for the Thompsons’ wrongful death claim. That wrongful death claim arose from an automobile collision in which one Jon Goyette driving a 1967 Camaro automobile struck and killed the Thompsons’ son, Curtis. At the time of the collision, Allstate had issued two insurance policies to the Goyette household. It had issued an “Allstate Deluxe Homeowners Policy” purporting to indemnify Jon’s parents—Paul Goyette and Nancy Goyette—from liability and an automobile policy to Paul Goyette only. Following the collision, Allstate issued a “recreational package policy.” While Allstate’s complaint for declaratory relief concerned coverage under all three of these policies, the Thompsons’ sole focus on appeal is whether coverage exists under the automobile policy.

When the collision occurred, Jon Goyette, a 17-year-old minor, was residing with his parents. He had obtained the Camaro he was driving four to six weeks before the collision in a three-way transaction involving his…