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Guibord v Farmers Insurance; (COA-PUB, 10/7/1981; RB #457)

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Michigan Court of Appeals; Docket No. 54857; Published  
Judges Danhof, Cavanagh, and Freeman; Unanimous  
Official Michigan Reporter Citation: 110 Mich App 218; Link to Opinion alt   


STATUTORY INDEXING:  
Determination of Domicile [§3114(1)]  
Exception to General Priority for Non-Occupants [§3115(1)]  
Obligations of Admitted Insurers to Pay PIP Benefits on Behalf of Nonresidents Injured in Michigan [§3163(1)]  
Rights and Immunities Applicable to Nonresident Claimants and Foreign Insurers [§3163(3)]

TOPICAL INDEXING:
Not Applicable   


CASE SUMMARY:  
In this unanimous Opinion by Chief Judge Danhof, the Court of Appeals disagreed with the previous holding of the Court of Appeals in Mills v Auto-Owners (item number 363) and Kill v Nationwide (item number 419) regarding the application of the foreign insurer provisions of §3163 of the statute. The Court held in this case that an out-of-state motorcyclist who sustained injury in Michigan when struck by a Michigan insured vehicle, was required to collect his no-fault benefits from the insurer of the Michigan motor vehicle involved in the accident pursuant to §3115(1) of the Act. The out-of-state insurance company which wrote a policy insuring plaintiff’s father (who resided in the same household as plaintiff) was not required to pay no-fault benefits under §3163 of the statute because the accident did not arise out of the use of a motor vehicle by an out-of-state resident, as this panel ruled was necessary in order or to apply. The panels in Mills and Kill ruled that it was sufficient if the out-of-state resident sustained injury in Michigan in an accident involving a motor vehicle. It was not necessary that the out-of-state resident be the one that was actually using or operating the motor vehicle. As the Court stated, "In the instant case, [plaintiff’s] accident arose out of the use of a motor vehicle, but did not arise out of the use of a motor vehicle by an out-of-state resident [Plaintiff] was the out-of-state resident involved and he was using a motorcycle." This case also contains a discussion of factors to be used in determining domicile for purposes of priorities under §3114(1). The Supreme Court's analysis in Workmen v DAIIE (item number 143) was applied by the Court.


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