d 608 (Fla. 2d DCA 1987) (Suit by minor and parents against carrier for damages in- curred when insured fondled private parts of minor plaintiff); Hennagan I Depart- ment of Highway Safety and Motor Vehicles, 467 So.2d 748 (Fla. 1st DCA 1985) (suit by minor and parents against FHP for damages when min