Michigan Court of Appeals; Docket No. 178894; Unpublished
Judges Corrigan, Bandstra, and Crane; Unanimous; Per Curiam
Official Michigan Reporter Citation: Not Applicable; Link to Opinion 
STATUTORY INDEXING:
Compulsory Insurance Requirements for Owners or Registrants of Motor Vehicles Required to Be Registered [§3101(1)]
Definition of Motor Vehicle (Other Motorized Devices) [§3101(2)(e)]
TOPICAL INDEXING:
Not Applicable
CASE SUMMARY:
In this unanimous unpublished per curiam Opinion, the Court of Appeals affirmed the trial court's ruling that the insurance policy at issue in this case did not provide coverage for the operation of a front-end loader. The court noted that there is no legal requirement that the front-end loader be insured under §3101(1), as that statute only requires the owner or registrant to maintain insurance coverage for a motor vehicle required to be registered in this state. The court was presented with no authority suggesting that the front-end loader was legally required to be registered. The court also held that under the language of the insurance contract at issue, there was a very specific set of requirements that must be satisfied in order for there to be coverage, and the front-end loader involved in this case did not satisfy one of these requirements, as it was not a registered vehicle. Therefore, under the terms of the policy, there was no coverage.
