Licensing -- Driver's license -- Suspension -- Refusal to submit to breath test -- Hearings -- Witnesses -- Telephonic oath -- Where arresting officer appeared telephonically at formal review hearing without person authorized to administer oath present with officer to independently…

Insurance -- Homeowners -- Coverage -- Summary judgment -- Factual issues -- Error to enter summary judgment in favor of insurer where opposing affidavits filed by homeowner created genuine issue of material fact as to whether water damage was result of…