Deborah Dehaven v. Farm Bureau General Insurance Company

CourtMichigan Court of Appeals
DecidedApril 23, 2020
Docket344773
StatusUnpublished

This text of Deborah Dehaven v. Farm Bureau General Insurance Company (Deborah Dehaven v. Farm Bureau General Insurance Company) is published on Counsel Stack Legal Research, covering Michigan Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Deborah Dehaven v. Farm Bureau General Insurance Company, (Mich. Ct. App. 2020).

Opinion

If this opinion indicates that it is “FOR PUBLICATION,” it is subject to revision until final publication in the Michigan Appeals Reports.

STATE OF MICHIGAN

COURT OF APPEALS

UNPUBLISHED April 23, 2020 DEBORAH DEHAVEN,

Plaintiff-Appellee, No. 344773 Lapeer Circuit Court LC No. 2015-048611-NF

v

FARM BUREAU GENERAL INSURANCE COMPANY,

Defendant-Appellant.

Before: GADOLA, P.J., and STEPHENS and SHAPIRO, JJ.

PER CURIAM.

Defendant, Farm Bureau General Insurance Company of Michigan, appeals as of right the order of the trial court entering a judgment of $120,641.75 in favor of plaintiff, Deborah DeHaven. We affirm.

I. FACTS

On October 21, 2014, plaintiff was involved in an automobile accident. At that time, she was insured under a policy of no-fault insurance issued by defendant. After the accident, plaintiff applied to defendant for PIP benefits, asserting that as a result of the accident she had injuries to her legs, ankles, feet, back, arms, hands, elbow, neck, jaw, and chest. When defendant declined to pay plaintiff, she initiated this action seeking benefits under the policy, including reimbursement for replacement services.

Plaintiff also submitted to defendant Replacement Service Reimbursement Request forms seeking replacement services from the date of the accident. On the forms, plaintiff asserted that her husband, Dale DeHaven, provided household services for her beginning October 21, 2014,

-1- including house cleaning, cooking, dishwashing, bed making, laundry, grocery shopping, driving, running errands, and caring for her horse. Both plaintiff and her husband signed the replacement services forms. Specifically with regard to June 3 and 4, 2015, plaintiff submitted a replacement service reimbursement request form asserting that on June 3, 2015, her husband provided six hours of services during which he performed horse care, driving, errands, and making beds/changing linens, and that on June 4, 2015, he provided four hours of services for those same tasks.

Defendant obtained surveillance video taken on June 3 and 4, 2015, in which plaintiff can be seen caring for her horse, driving, and running errands. Specifically, the surveillance footage shows plaintiff getting in and out of her car, driving, walking briskly across a parking lot into a department store, walking back to her car with a shopping bag, driving her husband who is wearing a bandage on his eye, going into a grocery store with her husband, driving to a horse stable, walking her horse in a pasture, petting the horse, and brushing the horse. Plaintiff appears to have no difficulty walking, driving, carrying a small bag, or walking the horse. She does appear to have some difficulty getting into her car. When she is with her horse, her actions are partially obscured by a fence but she can be seen bending and reaching. Defendant also obtained the affidavits of the two investigators with Mid-Michigan Investigative Services who video recorded plaintiff’s activities; the affidavits state that the investigators observed plaintiff performing these activities unassisted and appeared free from pain or discomfort.

Defendant moved for summary disposition under MCR 2.116(C)(10), submitting to the trial court the video recordings and affidavits of the investigators. Defendant contended that the video and affidavits demonstrated that plaintiff and her husband falsely claimed that he provided replacement services on June 3 and 4, 2015, and that even if Dale DeHaven provided services on those dates, they were not reasonably necessary because the video and affidavits show that plaintiff had the ability to perform the services herself. Defendant argued that the false claims triggered the fraud provisions of the no-fault policy and thereby voided coverage under the policy.

In response to defendant’s motion, plaintiff contended that she had never stated that she could not perform the activities that she was seen performing, but rather that she could only perform those activities to a limited extent, and that her husband had in fact performed the services claimed on the days in question. Plaintiff submitted affidavits and deposition testimony of both plaintiff and her husband, explaining that she is able to perform activities such as driving, walking, and shopping, but that the level of her ability varies from day to day depending upon how much pain she is experiencing. With respect specifically to June 4, 2015, plaintiff stated in her affidavit, in relevant part:

13. That my horse was scheduled for her annual physical/shots with the vet on June 4, 2015, between 12 and 2 pm.

14. That on the morning of June 4, 2015, I sent my husband to the horse barn to brush my horse and get her ready for her vet visit.

15. That because I own my horse, I am required to be present for the actual vet visit.

16. That I went to the barn, which is a short drive from my house, for the vet visit.

-2- 17. That I did not have to traverse muddy/uneven ground to walk my horse from the grass pasture to the vet exam area - it was all smooth/grassy surfaces.

18. That I go grocery shopping with my husband; I tend to use the shopping cart as a stabilizer.

19. That I am able to push the shopping cart so long as it is not too heavy or full.

The trial court denied defendant’s motion for summary disposition determining that, viewing the evidence in the light most favorable to plaintiff, there was a genuine issue of material fact whether she misrepresented that her husband performed the services in question on June 3 and 4, 2015, and whether the services were reasonably necessary. The parties then tried plaintiff’s claim before a jury. At the conclusion of trial, the jury found on behalf of plaintiff in the amount of $78,853.79, specifically finding that plaintiff did not “make false statements knowingly and with the intent to conceal or misrepresent material facts or circumstances in connection with the claim submitted” to defendant. The trial court entered the judgment on the jury verdict in favor of plaintiff, and thereafter denied defendant’s motion for judgment notwithstanding the verdict (JNOV).

After a hearing on plaintiff’s motion for case evaluation sanctions, the trial court entered its final judgment ordering case evaluation sanctions in the amount of $41,302.50, for a total judgment in favor of plaintiff in the amount of $120,641.75. Defendant now appeals the trial court’s final judgment, challenging the trial court’s orders denying defendant’s motions for summary disposition and JNOV, and also challenging the amount of case evaluation sanctions awarded.

II. DISCUSSION

A. SUMMARY DISPOSITION

Defendant contends that the trial court erred by denying its motion for summary disposition. Defendant argues that the video recording and affidavits demonstrate that on June 3 and 4, 2015, plaintiff was able to, and in fact did, perform tasks that she represented to defendant she could not do and that she asserted were performed by her husband on those dates. Defendant argues that these misrepresentations triggered the fraud provisions of its policy, thereby voiding the coverage under the policy. We disagree.

This Court reviews de novo a trial court’s decision on a motion for summary disposition. Johnson v Vanderkooi, 502 Mich 751, 761; 918 NW2d 785 (2018). In doing so, we consider all documentary evidence submitted by the parties in the light most favorable to the nonmoving party. Dawoud v State Farm Mut Auto Ins Co, 317 Mich App 517, 520; 895 NW2d 188 (2016). Summary disposition under MCR 2.116(C)(10) is warranted when there is no genuine issue as to any material fact and the moving party is entitled to judgment as a matter of law.

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Deborah Dehaven v. Farm Bureau General Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/deborah-dehaven-v-farm-bureau-general-insurance-company-michctapp-2020.