Mutual of Enumclaw Insurance v. Jerome

On June 28, 1989, after finishing work at a McDonald's in Totem Lake, Matthew Ederer agreed to give Joseph Jerome, Jr., and Chris Markey a ride home. Ederer had permission to drive and carry passengers in his parents' 1987 Acura, which was insured by Mutual of Enumclaw Insurance Company (MOE). On the way home, Ederer stopped briefly at another McDonald's in Juanita. At that time, Jerome was in the front passenger seat and Mar-key was in the back seat. As Ederer began backing out of the parking place, Jerome lit two or three firecrackers, known as "Jumping Jacks", by twisting the fuses…