MacLean v. Hingham Mutual Fire Insurance

Hingham Mutual Fire Insurance Company (Hing-ham Mutual) appeals from a judgment of the Superior Court concluding that a homeowners’ insurance policy provided indemnity coverage for injuries sustained by Tracey J. MacLean (plaintiff) in an all-terrain vehicle (ATV) accident. We affirm.

The material facts are not in dispute. During the early evening of April 11, 1993, the plaintiff was injured when the three-wheeled ATV on which she was a passenger hit a swing set. The ATV was owned by Edward Burrill and was being operated by his friend, Jeffrey MacLean, at the time of the accident. The accident…