Hardware Dealers Mutual Fire Insurance v. Springmann

I find myself in divergence from the majority. In this case the appellee, Lillie E. Springmann, individually and *213as mother and next friend of Steven A. Springmann, initiated this litigation in the Circuit Court for Prince George’s County. She asked the court to declare that Hardware Dealers Mutual Fire Insurance Company, appellant, was required to provide automobile insurance coverage and a legal defense for her minor son who, while operating a car, collided with a motorcycle driven by Winston Fowlkes. Both parties are in total harmony about the factual pattern — the dissonance arises in…