The defendants-appellants The Estate of Nelson Caraang, Marcelo Caraang, and Angela Caraang (the Caraangs) appeal from the circuit court's (the trial court) declaratory judgment determining that the automobile insurance policy (the policy) issued to Bonifacio (Bonifacio) and Cathy (Cathy) Godinez by the plaintiff-appellee AIG Insurance Company, Inc. (AIG) does not require AIG to defend and indemnify the defendants Ilmar Godinez (Godinez) and/or Emanuel Vilamor (Vilamor) for bodily injury claims (the tort claim) arising out of the August 6, 1989 death of Nelson Caraang (Nelson).*fn1
