Social Hosts Liability and Homeowners Motor Vehicle Exclusion

The insurer brought an action seeking a declaration regarding its obligations to indemnify the insureds under a homeowners policy for their liability to a third party for injuries arising out of a motor vehicle accident occasioned by the negligent operation of an underage minor under the influence of alcohol. The minor was served alcohol while a guest at the insureds' home. This case is Massachusetts Property Insurance Underwriting Association v. Berry, 954 N.E.2d 584 (2011).