Aetna Casualty & Surety Co. v. Home Insurance

This declaratory judgment action involves multiple insurance coverage issues. The facts are not in dispute. The underlying claims involved an auto accident in which two complaints were filed against Zee’s Wallpaper to Go (Zee’s) and Jodi Zitofsky (Jodi), the seventeen year old operator who allegedly drove through a red light causing a collision.2 Zee’s, a business owned by Jodi’s parents, owned the automobile Jodi was driving at the time of the accident, a Mercury Sable station wagon (Mercury). Because Jodi was a minor at the time of the accident, the complaints in the underlying actions also…