TALBOT, C.J.
Plaintiff, Tina Marie Dell, appeals as of right the trial court’s order granting the motion of defendants, Citizens Insurance Company of America and Citizens Insurance Company of the Midwest (collectively, Citizens), for judgment notwithstanding the verdict (JNOV). Citizens cross-appeals from an order of the trial court denying its motion for summary disposition under MCE 2.116(C)(8). We affirm the trial court’s order denying Citizens’ motion for summary disposition, reverse the trial court’s order granting JNOV, and remand for further proceedings.
i. facts and procedural history
This case arises out of an accident that occurred in 1984. Dell, a pedestrian, was struck by a motor vehicle. She suffered a closed head injury and injuries to her left leg. These injuries significantly impair her ability to walk. Since the accident, Dell has received no-fault benefits from Citizens under a policy issued to her parents, Paula and Larry Chambers. To date, Citizens has paid approximately $1M in benefits to Dell.
The dispute in this matter centers on Citizens’ failure to pay attendant care benefits to Dell from the time of her accident through 2011. Dell has been under the care of Dr. Brian Visser since her accident. At trial, Dr. Visser testified that he believed Dell has always needed attendant care. According to Paula Chambers, she contacted Citizens in 1987 to request reimbursement for attendant care she provided to Dell. Citizens denied the request, informing her that no such benefits were available. In April 2011, through her attorney, Dell submitted a written claim for attendant care benefits, attaching to the claim a prescription for attendant care written by Dr. Visser. At that point, Citizens began paying attendant care benefits, including reimbursement for attendant care provided in the year before the 2011 claim was filed.
Dell filed suit on July 28, 2011, seeking unpaid no-fault benefits. On one of Citizens’ motions for summary disposition, the trial court ruled that under MCL 500.3145(1), Dell’s claim was limited to benefits incurred no more than a year before she filed her complaint. Dell subsequently sought leave to amend her complaint to add a claim under the Michigan Consumer Protection Act (MCPA).
Citizens contested
the amendment, arguing that it was time-barred by MCL 445.911(7). The trial court granted leave to amend the complaint after concluding that there was a question of fact regarding whether Dell’s MCPA claim was barred by MCL 445.911(7).
After Dell filed her amended complaint, Citizens failed to timely file an answer, and a default judgment was entered. Citizens’ motion to set aside the default was denied by the trial court. Citizens filed a motion for reconsideration. Citizens subsequently filed a motion for summary disposition, arguing that under MCL 500.3145(1) and this Court’s opinion in
Grant v AAA Mich/Wisconsin, Inc (On Remand),
Dell’s MCPA claim must be limited to expenses incurred no more than one year before Dell filed her complaint.
The trial court first granted reconsideration and set aside the default. The trial court denied Citizens’ motion for summary disposition, finding that MCL 500.3145(1) did not apply to Dell’s MCPA claim. Citizens then filed a motion under MCR 2.116(C)(8). The motion argued that Dell’s amended complaint failed to state a claim under the MCPA because the MCPA did not apply to misconduct that occurs in the claims-handling and adjustment process. The trial court denied the motion, concluding that Dell’s complaint stated a claim under the MCPA.
The matter proceeded to trial. With regard to Dell’s claim for no-fault benefits, the jury found that Dell had not incurred any allowable expenses under the no-fault act during the period between July 28, 2010 (one year before filing her complaint) and the time of trial. With regard to Dell’s MCPA claim, the jury concluded that Citizens had violated the MCPA. The jury awarded
Dell $1.7 million in unpaid benefits and $300,000 in damages for mental anguish resulting from the violation. After trial, Dell filed a motion seeking attorney-fees and costs. Citizens moved for JNOV, arguing that the jury’s verdict with respect to the first count established that Dell’s MCPA claim was time-barred under MCL 445.911(7). The trial court agreed and granted the motion. Having granted JNOV, the trial court did not consider Dell’s request for costs and attorney fees.
On appeal, Dell raises several issues, many of which contest the trial court’s decision to grant JNOV. Citizens cross-appeals, arguing that the trial court erred when it concluded that the MCPA applies to misconduct that occurs in the claims-handling and adjustment process. We begin with Citizens’ cross-appeal.
II. CROSS-APPEAL
Citizens argues that the trial court erred when it denied Citizens’ second motion for summary disposition. We disagree.
A. STANDARD OF REVIEW
Issues of statutory interpretation are reviewed de novo.
This Court also reviews de novo a trial court’s decision on a motion for summary disposition.
A motion under MCR 2.116(C)(8) tests the legal sufficiency of the complaint. All well-pleaded factual allegations are accepted as true and construed in a light most favorable to the nonmovant. A motion under MCR 2.116(C)(8) may be granted only where the claims alleged are so clearly unenforceable as a matter of law that no factual development could possibly justify recovery. When
deciding a motion brought under this section, a court considers only the pleadings.
B. DISCUSSION
The question, before this Court is whether the conduct alleged in Dell’s amended complaint, all of which occurred in the claims-handling and adjustment process, is actionable under the MCPA. In her amended complaint, Dell alleged the following:
25. [Citizens has] engaged in unfair, unconscionable or deceptive conduct in violation of Chapter 20 of the Michigan Insurance Code in its dealings with [Dell] and her family, agents or representatives.
26. In particular, [Citizens has] violated [its] duties to act honestly and to explain benefits under MCL 500.2006(3)_
27. [Citizens] also violated [its] obligations under MCL 500.2026, including but not limited to, the duty not to misrepresent facts or coverages, the duty to communicate promptly, the duty to affirm or deny coverage timely, the duty to promptly investigate claims, the duty to effectuate prompt, fair and equitable settlements of claims, the duty not to compel insureds to institute litigation by underpaying, the duty to identify payments and coverage, and/or the duty to explain [the] basis for denial or offer of compromise. MCL 500.2026(l)(a), (b), (e), (d), (f), (g), (j)> (n)....
28. [Citizens’] violations of Chapter 20 [of] the Insurance Code constitute unfair, unconscionable or deceptive methods, acts or practices in the conduct of trade or commerce as set forth in the [MCPA] ....
See,
e.g., MCL 445.903(l)(a), (c), (e), (n), (s), (x), (bb), (cc)-
In. sum, Dell alleged several instances of conduct that violated Chapter 20 of the Insurance Code. She further
alleged that these violations constituted unfair, unconscionable, or deceptive methods, acts, or practices under the MCPA.
In
Smith v Globe Life Ins
Co, our Supreme Court considered whether a private cause of action against an insurance carrier arising out of the sale of a life insurance policy could be brought under the MCPA.
Ultimately, the Court concluded that the plaintiffs MCPA claim could proceed. The Court’s decision turned on its interpretation of MCL 445.904(1) and (2). At the time of the Court’s decision, these statutes provided, in relevant part:
(1) This act does not apply to either of the following:
(a) A transaction or conduct specifically authorized under laws administered by a regulatory board or officer acting under statutory authority of this state or the United States.
(2)
Except for the purposes of an action filed by a person under
[MCL 445.911], this act does not apply to an unfair, unconscionable, or deceptive method, act, or practice that is made unlawful by:
(a) Chapter 20 of the insurance code of 1956,... [MCL] 500.2001 to [MCL] 500.2093 ..
Our Supreme Court explained that MCL 445.904(l)(a) would generally exempt the sale of insur-
anee from the MCPA because such conduct was “ ‘specifically authorized under laws administered by a regulatory board or officer acting under statutory authority of this state or the United States.’ ”
However, the Court held that MCL 445.904(2) “provides an exception to that exemption by permitting private actions pursuant to [MCL 445.911] arising out of misconduct made unlawful by chapter 20 of the Insurance Code.”
This was because MCL 445.904(2) “exempt[ed] from the MCPA unfair, unconscionable, or deceptive methods, acts, or practices made unlawful by chapter 20 of the Insurance Code,” but that exemption was subject to an exception for actions brought under MCL 445.911.
Thus, to give effect to the language of both MCL 445.904(1) and (2), the Court held that “the exemptions provided by [MCL 445.904(l)(a)] and [MCL 445.904(2)(a)] are inapplicable to plaintiffs MCPA claims to the extent that they involve allegations of misconduct made unlawful under chapter 20 of the Insurance Code.”
In response to
Smith,
our Legislature amended MCL 445.904 to provide that without exception, the MCPA does not apply to conduct “made unlawful by chapter 20 of the insurance code . . . .”
This amendment took effect on March 28, 2001.
The next event of relevance is this Court’s decision in
Converse v Auto Club Group Ins Co (Converse
I).
In
Converse I,
the trial court dismissed a plaintiffs claim under the MCPA “based on its determination that the no-fault act provides an exclusive remedy for causes of action arising in a motor vehicle accident context.”
In a two-to-one decision, this Court affirmed the trial court, but on a different basis. This Court first held that any claims accruing after March 28, 2001, could not be sustained because of the effect of 2000 PA432.
With respect to those accruing before March 28, 2001, this Court explained that such actions “were permitted pursuant to MCL 445.911 of the MCPA arising out of misconduct made unlawful by chapter 20 of the insurance code.”
However, this Court concluded that any such claim was limited to those “within one year immediately preceding December 2005,” the last date a payment was received by the plaintiff.
To reach this conclusion, this Court relied on MCL 445.911(7), which provides, in relevant part:
“[A]n action under this section shall not be brought more than 6 years after the occurrence of the method, act, or practice which is the subject of the action nor more than 1 year after the last payment in a transaction involving the method, act, or practice which is the subject of the action, whichever period of time ends at a later date.”
This Court reasoned that because the statutory language dictated that the Court apply whichever of the two time periods ended at a later date, the plaintiffs MCPA claim must be limited to claims “within one year immediately preceding December 2005.”
But because
any cause of action based on conduct occurring after March 28, 2001, was barred by the amendments to MCL 445.904, the majority concluded that the insurer was entitled to summary disposition.
On October 26, 2012, our Supreme Court peremptorily reversed, in part, this Court’s decision in
Converse I
With regard to MCL 445.911(7), our Supreme Court explained:
MCL 445.911(7) of the MCPA provides, in pertinent part:
An action under this section shall not be brought more than 6 years after the occurrence of the method, act, or practice which is the subject of the action nor more than 1 year after the last payment in a transaction involving the method, act, or practice which is the subject of the action, whichever period of time ends at a later date.
Because plaintiff brought this action within one year of the last payment, plaintiffs action was timely filed and thus plaintiff can seek to recover damages resulting from the methods, acts or practices violative of the MCPA based on conduct by defendant occurring from July 29, 1992 [the date the plaintiff alleged the misconduct began] to March 28, 2001 (the effective date of MCL 445.904(3)).
Our Supreme Court’s order in
Converse II
prompted our Legislature to again amend MCL 445.904.
MCL 445.904 q
(3) This act does not apply to or create a cause of action for an unfair, unconscionable, or deceptive method, act, or practice that is made unlawful by chapter 20 of the
insurance code of 1956, 1956 PA 218, MCL 500.2001 to 500.2093, if either of the following is met:
(a) The method, act, or practice occurred on or after March 28, 2001.
(b) The method, act, or practice occurred before March 28,2001. However, this subdivision does not apply to or limit a cause of action filed with a court concerning a method, act, or practice if the cause of action was filed in a court of competent jurisdiction on or before June 5, 2014.
Through its first enacting section, 2014 PA 251 was given retroactive effect and made effective March 28, 2001.
In the act’s second enacting section, our Legislature explained:
This amendatory act is curative and intended to prevent any misinterpretation that this act applies to or creates a cause of action for an unfair, unconscionable, or deceptive method, act, or practice occurring before March 28, 2001 that is made unlawful by chapter 20 of the insurance code of 1956, 1956 PA 218, MCL 500.2001 to 500.2093, that may result from the decision of the Michigan supreme court in Converse v Auto Club Group Ins Co. No. 142917, October 26,
2012.
Thus, under the most recent amendment to MCL 445.904, a plaintiff generally may not bring a claim under the MCPA alleging harm resulting from an “unfair, unconscionable, or deceptive method, act, or practice that is made unlawful by chapter 20 of the insurance code . . . , MCL 500.2001 to 500.2093 . . . .”
However, if the “method, act, or practice” at issue occurred before March 28, 2001, and a complaint was
filed on or before June 5, 2014, the claim remains viable.
The unlawful acts, methods, or practices stated in Dell’s complaint were alleged to have occurred before March 28, 2001, and she filed her complaint well before June 5, 2014. Thus, the restrictions stated in MCL 445.904(3) do not apply to her claim.
In Dell’s view, this conclusion settles the matter. Relying on
Smith
and
Converse,
Dell takes the position that any conduct that violates Chapter 20 of the Insurance Code is incorporated into the MCPA through MCL 445.904. Citizens, however, argues that
Smith
and the cases that followed do not stand for the proposition that all conduct made unlawful by Chapter 20 of the Insurance Code is actionable under the MCPA. Rather, Citizens argues that to be actionable, the MCPA itself must render that conduct unlawful. In this regard, we agree with Citizens.
The purpose of MCL 445.904 is not to define what constitutes a violation of the MCPA; it is to remove certain types of claims from the MCPA’s purview. MCL 445.904 does so by explaining specific areas to which the MCPA does not apply. It is MCL 445.903 that defines “[u]nfair, unconscionable, or deceptive methods, acts, or practices” and makes such conduct unlawful under the MCPA in the first instance. In other words, MCL 445.903 broadly defines most of the conduct that is unlawful under the MCPA,
while MCL 445.904 removes certain subsets of this conduct from the MCPA’s coverage. Thus, to determine whether Dell has stated a viable claim under the MCPA, the first question to be answered is whether the conduct she
alleges is unlawful under MCL 445.903; the second question is whether that conduct is exempted from the MCPA’s purview by MCL 445.904.
Smith
does not hold to the contrary. In
Smith,
the question whether the particular conduct at issue violated MCL 445.903(1) was not addressed. Rather, the question before the Court involved only the second part of the inquiry, i.e., whether the particular claim was exempted from the MCPA’s purview by MCL 445.904.
Although the Court determined that the particular conduct at issue was not exempted from the MCPA by MCL 445.904, it was not asked to determine whether the conduct came within the MCPA’s general purview as expressed by MCL 445.903.
Smith
did not hold that MCL 445.904(2) created a cause of action for violations of Chapter 20 of the Insurance Code; it merely held that MCL 445.904 did not remove from the MCPA claims alleging conduct that violates Chapter 20 of the Insurance Code.
Nor does
Converse II
reach a different conclusion. In its order, our Supreme Court stated, “[bjecause plaintiff brought this action within one year of the last payment, plaintiffs action was timely filed and thus plaintiff can seek to recover damages
resulting from the methods, acts or practices violative of the MCPA
based on conduct by defendant occurring from July 29, 1992, to March 28, 2001. . . .” (Emphasis added.)
Thus, as was the case in
Smith,
our Supreme Court did not conclude that a violation of Chapter 20 of the
Insurance Code was alone sufficient to state a claim under the MCPA. Rather, the plaintiffs allegations of unconscionable, unfair, or deceptive methods, acts, or practices were what was actionable.
Thus, we hold that the MCPA does not create a cause of action for violations of Chapter 20 of the Insurance Code. Rather, Dell must allege a violation of the MCPA itself to survive Citizens’ motion for summary disposition under MCR 2.116(C)(8). Citizens argues that the conduct alleged in the complaint does not state a claim under the MCPA because, under its interpretation of MCL 445.903, the MCPA does not reach misconduct in the claims-handling and adjustment process. Citizens first relies on MCL 445.903(1), which provides that “[u]nfair, unconscionable, or deceptive methods, acts, or practices in the conduct of trade or commerce are unlawful. . . .” Citizens argues that the definition of “trade or commerce” does not encompass the claims-handling and adjustment process. We disagree.
MCL 445.902(l)(g) defines “trade or commerce” as
the conduct of a business providing goods, property, or service primarily for personal, family, or household purposes and includes the advertising, solicitation, offering for sale or rent, sale, lease, or distribution of a service or property, tangible or intangible, real, personal, or mixed, or any other article, or a business opportunity.
As may be seen, nothing in this definition explicitly discusses insurers, or more specifically, the claims-handling and adjusting process. But “[b]ecause the MCPA is a remedial statute designed to prohibit unfair practices in trade or commerce, it must be liberally construed to achieve its intended goals.”
Undoubt
edly, at least as it pertains to conduct that occurred before March 28, 2001, the MCPA applies to insurance companies generally.
And as MCL 445.902(l)(g) makes clear, “trade or commerce” is much broader than simply advertising, marketing, or selling a product. It includes “the conduct of a business providing [a product or service] .”
An insurance company “provides” the very product or service it is in the business of delivering — insurance coverage — through the claims-handling and adjustment process. Such conduct fits within MCL 445.902(l)(g)’s definition of “trade or commerce.”
Most of the specific types of conduct that are unlawful under the MCPA are stated in the various subsections of MCL 445.903(1). Dell’s complaint alleged that Citizens violated several of these subsections. The trial court concluded that at a minimum, Dell’s complaint stated a claim under MCL 445.903(l)(n). Under this subsection, it is an unlawful method, act, or practice to “caus[e] a probability of confusion or of misunderstanding as to the legal rights, obligations, or remedies of a party to a transaction.”
Dell alleged that Citizens misrepresented Dell’s legal right to certain benefits under the insurance policy. She also alleged that Citizens misrepresented its own legal obligations under the policy. Such misrepresentations would create a “probability of confusion or of misunderstanding as to” Dell’s legal rights and Citizens’ obligations under the policy. According to MCL 445.903(l)(n), these allegations stated a claim under the MCPA.
Citizens argues that this Court should interpret MCL 445.903(l)(n) as not encompassing misconduct
that occurs in the claims-handling and adjustment process. We find nothing in the plain language of MCL 445.903(l)(n) to support such a limitation. Citizens first argues that because the majority of the specific types of conduct defined by MCL 445.903(1) as unfair, unconscionable, or deceptive methods, acts, or practices relate to advertising, marketing, or sales, all of the provisions should be interpreted as encompassing only advertising, marketing, or sales conduct. It is true that many of the subsections of MCL 445.903(1) refer to conduct that occurs in advertising, marketing, or sales.
However, not every subsection is so limited. In
Zine v Chrysler Corp,
this Court explained, with regard to MCL 445.903(l)(n), that “[b]ecause representations made both before and after the transaction has been completed could cause a party to the transaction to misunderstand the party’s legal rights, [MCL 445.903(l)(n)] can reasonably be understood to refer to acts that occur before
and after
the transaction has been concluded.”
That is precisely the situation alleged in Dell’s complaint. Dell alleged that Citizens misrepresented its own obligations and Dell’s rights created as a result of a transaction between the parties, i.e., the sale of the insurance policy. That the misrepresentations occurred after the sale was completed or in the context of handling a claim made under the policy is irrelevant.
Citizens also focuses on the term “transaction” in MCL 445.903(1)(n). Citizens argues that the “transaction” in this instance is the sale of the policy, and that “to be actionable under the MCPA, the conduct manifestly must relate to the sales transaction.” Even accepting, arguendo, Citizens’ basic premise, i.e., that the misconduct must relate to the sale of the insurance policy, Dell stated a claim under the MCPA. Citizens was a party to the sale of the insurance policy. The transaction created a legal obligation on the part of Citizens to pay certain benefits in the event of a covered accident. Dell’s complaint alleged that Citizens misrepresented its obligations. Again, that these misrepresentations occurred after the sale was completed is irrelevant.
In sum, while a claim of a violation of Chapter 20 of the Insurance Code alone is insufficient to state a claim under the MCPA, when the allegation also constitutes a violation of the MCPA, the claim may proceed if the conduct at issue occurred prior to March 28, 2001, and the complaint was filed on or before June 5, 2014. Dell’s complaint met these requirements, and accordingly, Citizens’ motion for summary disposition was properly denied.
III. JNOV
Dell argues that the trial court erred when it granted JNOV for a number of reasons. Because we conclude that Citizens waived the statute of limitations defense on which the trial court relied, we agree that the trial court erred.
A. STANDARD OF REVIEW
“We review a trial court’s decision with regard to a motion for JNOV de novo.”
“In reviewing a decision regarding a motion for JNOV, this Court must view the testimony and all legitimate inferences that may be drawn therefrom in a light most favorable to the nonmoving party. If reasonable jurors could have honestly reached different conclusions, the jury verdict must stand.”
“The interpretation and application of the court rules, like the interpretation of statutes, is a question of law that is reviewed de novo on appeal.”
“[T]he running of the statute of limitations is an affirmative defense.”
Under MCR 2.111(F)(3), “[a]ffir-mative defenses must be stated in a party’s responsive pleading, either as originally filed or as amended in accordance with MCR 2.118.” However, “a party who has asserted a defense by motion filed pursuant to MCR 2.116 before filing a responsive pleading need not again assert that defense in a responsive pleading later
filed[.]”
Thus, a statute of limitations defense “must be raised in the responsive pleading, unless [it] previously [was] raised in a motion for summary disposition before the filing of a responsive pleading.”
“The failure to raise an affirmative defense as required by the court rule constitutes a waiver of that affirmative defense.”
The trial court’s decision to grant JNOV was based entirely on the statute of limitations found in MCL 445.911(7). This statute provides that a claim under the MCPA must be brought within six years of “the occurrence of the method, act, or practice” that violates the MCPA, or within one year after the last payment in a transaction involving the method, act, or practice.
In its answer to Dell’s amended complaint, Citizens did not mention MCL 445.911(7) as an affirmative defense. At best, Citizens stated, “[e]ven if Plaintiff states a claim of action under the [MCPA], her recovery is limited to losses within one year prior to filing the complaint.” This statement did not establish that Citizens intended to defend against Dell’s MCPA claim by asserting that the claim was barred by MCL 445.911(7). Rather, it demonstrated that Citizens contemplated that the claim might go forward, but that Dell’s damages would be limited to those incurred no more than a year before she filed her complaint.
Nor did Citizens raise the defense in a motion for summary disposition filed before it filed its answer. Citizens did file a motion for summary disposition prior to filing its amended answer. However, this motion argued that under MCL 500.3145(1), Dell’s MCPA claim was limited to damages incurred in the year before filing the complaint. It did not argue that Dell’s claim was barred by MCL 445.911(7). Quite the contrary, Citizens argued that the one-year-back rule of MCL 500.3145(1) trumped MCL 445.911(7) to the extent that the two were in conflict.
Citizens argues that by raising the one-year limitation in its first responsive pleading and summary disposition motion, it should be deemed to have raised MCL 445.911(7) as an affirmative defense. Citizens relies on this Court’s opinion in
Jesperson v Auto Club
Ins Ass’n
as support. In
Jesperson,
the plaintiff, in an amended complaint, raised a claim alleging that the defendant insurer failed to pay first-party no-fault benefits.
In its answer to the amended complaint, the insurer raised MCL 500.3145(1) as an affirmative defense.
However, and much the same as occurred here, the insurer only referred to the one-year-back provision of the statute; it “did not assert an affirma
tive defense that specifically referred to the separate statute of limitations provision that is also reflected in MCL 500.3145(1).”
The insurer later filed a motion for summary disposition, arguing that the plaintiffs first-party claim was barred by the statute of limitations stated in MCL 500.3145(1).
The plaintiff argued that this defense had been waived because it was not raised in the insurer’s answer to plaintiffs amended complaint.
Without addressing the waiver issue, the trial court ruled that the statutory period of limitations had run, and for that reason, granted summary disposition in favor of the defendant.
This Court stated that the plaintiff had only specifically cited the one-year-back provision of MCL 500.3145(1) in its answer, but that by citing MCL 500.3145(1), the plaintiff “arguably was made aware of the limitations period of that statute and [was] not unfairly surprised by defendant’s assertion of the defense.”
But it was also true “that defendant did not refer to the statute of limitations in any fashion, and instead specifically described its affirmative defense as relating to the one-year-back provision of the statute, thereby arguably suggesting that it was not citing the statute for any other purpose.”
However, this Court did not decide whether reference to the one-year-back provision of MCL 500.3145(1) was sufficient to avoid waiver of the statute of limitations found in the same statute. Kather, this Court explained that “leave to amend pleadings should be freely granted,” and thus,
“had the trial court found that defendant had failed to plead the statute of limitations defense with sufficient clarity, it could have, in its discretion, granted defendant leave to amend its pleading. . . ,”
This Court saw “no need to remand the case for the trial court to do just that.”
For this reason, this Court concluded that the “defendant did not waive the affirmative defense of the statute of limitations.”
Jesperson
does not support Citizens’ argument in this case. First, the
Jesperson
Court did not decide that raising the one-year-back provision was sufficient to raise a statute of limitations defense. The Court ultimately resolved the question on an alternate ground, specifically, that the defense could have been added by an amended answer, as is explicitly allowed by the court rules. Second, even if this Court’s opinion could be read as holding that raising the one-year-back rule was sufficient to also raise the statute of limitations, it would only apply to the statute of limitations provision stated in MCL 500.3145(1). The question in
Jesperson
was whether citing a specific portion of MCL 500.3145(1) was sufficient to raise the entire statute as an affirmative defense. In this case, Citizens’ motion for JNOV relied on MCL 445.911(7) — an entirely different statute with no similar one-year-back provision. Citizens’ assertion of a one-year limitation on damages could not have even “arguably . . . made [Dell] aware of the limitations period of [MCL 445.911(7)].”
Accordingly,
Jesperson
does not support Citizens’ position.
Citizens also argues that it adequately preserved its statute of limitations defense by raising it in its response to Dell’s motion to amend her complaint. How
ever, Citizens offers no authority, and we have found none, holding that an affirmative defense is adequately preserved by raising it in a response to a motion for leave to amend the complaint. Rather, our court rules and caselaw are clear. “Under MCR 2.111(F)(3), affirmative defenses must be raised in the responsive pleading, unless they previously have been raised in a motion for summary disposition before the filing of a responsive pleading, MCR 2.111(F)(2)(a).”
Clearly, Citizens’ response to the motion to amend was not a responsive pleading.
Nor was the response a “motion
filed pursuant to MCR 2.116 . . . .”
Accordingly, Citizens waived the statute of limitations found in MCL 445.911(7).
Because Citizens waived the affirmative defense in MCL 445.911(7), the trial court erred by granting JNOV on that basis. The trial court’s order must be reversed, and the matter remanded for entry of a judgment in accordance with the jury’s verdict.
IV. REMAINING ISSUES
Dell raises a number of other arguments regarding the JNOV decision. Having concluded that the statute of limitations defense was waived, we need not address these arguments. Dell also raises issues related to other decisions made by the trial court during the proceeding. She asks us to consider these issues in the event the jury’s verdict is not reinstated. Having concluded that the verdict must be reinstated, we need not address these remaining issues. However, one issue remains. Relying on its decision to grant the motion for JNOV, the trial court declined to consider Dell’s motion for costs and attorney fees. On remand, we direct the trial court to decide Dell’s motion.
The trial court’s decision with regard to Citizens’ motion for summary disposition is affirmed. We reverse the trial court’s entry of JNOV. We remand the matter for reinstatement of the jury’s verdict and further proceedings consistent with this opinion. We do not retain jurisdiction.
BECKERING and GADOLA, JJ., concurred with TALBOT, C.J.