MEMORANDUM OPINION
WILLIAM D. QUARLES JR., District Judge.
Thomas Michael Francis and his mother, Danielle Francis (the "Plaintiffs"), seek a declaration that Allstate Insurance Co. ("Allstate") had a duty to defend the Plaintiffs in a tort action in the Circuit Court for Frederick County. For the following reasons, the Court will deny the Plaintiffs' motion to remand, and grant Allstate's motion for summary judgment.
I. Background
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