21 P.3d 395 PHILADELPHIA INDEMNITY INSURANCE COMPANY, Plaintiff-Counterdefendant-Appellee, v. ANA BARERRA, individually and as Personal Representative of the Estate of Melvin Sanchez, deceased; MARIO HUERTA and LUCIA HUERTA, husband and wife, individually and as the natural parents of Pedro Huerta, a minor child; JUAN EDUARDO QUINTERO-LOPEZ and MICHELLE QUINTERO-LOPEZ, husband wife, Defendants-Counterclaimants-Appellants. Supreme Court No. […]