FACTS: Aaron Johnson, the son of Theodore and Kim Johnson, was driving his father’s car in the early morning of December 26, 2019. Aaron’s friend, Jordan Torres, was a passenger in the car. As Aaron attempted to navigate a curve in the road, he lost control of the car, which left the roadway and struck a telephone pole. Torres was seriously injured in the accident and filed a lawsuit against, among others, Aaron, Theodore, and Kim Johnson. Torres alleged that Aaron, a minor, consumed alcohol at a bar, after which he went to his parents’ home, where he was visibly intoxicated, and consumed more alcohol. The claim against Aaron alleged that Torres’ injuries were caused by Aaron’s negligent operation of a motor vehicle. The claims against Aaron’s parents alleged that Torres’ injuries were caused by their negligence in one or more of the following ways: they allowed Aaron to consume alcohol at their home despite Aaron being a minor; they allowed Aaron to leave their home despite his intoxication; and Theodore allowed Aaron to operate a motor vehicle he owned despite Aaron’s intoxication.

Does the motor vehicle exclusion in the homeowners policy bar coverage when the alleged damages flow from the use of a motor vehicle, but the allegations of negligence do not?

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