Frankenmuth Mutual Insurance Company v. Maipf

CourtMichigan Court of Appeals
DecidedAugust 10, 2023
Docket362955
StatusUnpublished

This text of Frankenmuth Mutual Insurance Company v. Maipf (Frankenmuth Mutual Insurance Company v. Maipf) 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
Frankenmuth Mutual Insurance Company v. Maipf, (Mich. Ct. App. 2023).

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

FRANKENMUTH MUTUAL INSURANCE UNPUBLISHED COMPANY, August 10, 2023

Plaintiff-Appellee,

v No. 362955 Oakland Circuit Court MICHIGAN AUTOMOBILE INSURANCE LC No. 2021-191239-NF PLACEMENT FACILITY,

Defendant-Appellant.

Before: BOONSTRA, P.J., and LETICA and FEENEY, JJ.

PER CURIAM.

In this insurance priority dispute, defendant appeals by right the trial court’s order granting plaintiff’s motion for summary disposition and denying defendant’s motion for summary disposition. We affirm.

I. PERTINENT FACTS AND PROCEDURAL HISTORY

This case arises from a single-vehicle accident in which Wendy Edenburn (Wendy) was driving a vehicle owned by her father, Russell Edenburn (Russell). Russell’s vehicle was insured by plaintiff. At the time of the accident, Wendy did not have an automobile insurance policy in her name.

On the date of the accident, Wendy was living in a camper on Russell’s property; she had been living there for approximately one month. Russell and his wife lived in a house located on the property. Wendy’s adult daughter lived next door to Russell’s property, in a house that Wendy owned outright (Wendy’s house).

Wendy submitted a claim to plaintiff for personal injury protection (PIP) benefits under the no-fault act, MCL 500.3101 et seq.. Plaintiff initially paid PIP benefits under the belief that Wendy was a relative domiciled with Russell on the date of the accident, but on further investigation concluded that this determination had been made in error. Plaintiff filed a complaint against defendant for declaratory relief and subrogation, arguing that under MCL 500.3114, it

-1- (plaintiff) was not in the order of priority to provide PIP benefits to Wendy, and that her claim should instead be assigned under the Michigan Assigned Claims Plan (MACP).

At her deposition, Wendy testified that the camper was located 20 feet away from Russell’s house and had its own heat, electricity, running water, and cable television. She did not make any rent, tax, mortgage, or utility payments to Russell for her residence in the camper. Wendy also stated that the camper did not have its own mailbox, that she received mail and packages at her own house while she lived in the camper, and that she showered and stored food and clothes at Russell’s house during that time. Wendy stated that she would go to Russell’s house every day to use the bathroom facilities, eat, or just visit with her father. She also explained that she owned a home separate apart from the camper, but that she had moved out of that house because (a) it had been “taken over” by her daughter, her daughter’s significant other, and her daughter’s three children, (b) there was not enough space for all of them, and (c) Wendy and her daughter had a hard time getting along. A lot of Wendy’s possessions remained at Wendy’s house for her daughter’s family to use; Wendy also stored some possessions in a garage owned by Russell at a separate address than his home. Wendy owned a small dog who slept with her, but the dog spent a lot of time at Wendy’s house as well, sometimes staying there while Wendy worked. The dog was not allowed in Russell’s house. Wendy stated that she had moved into the camper planning to live there for only a short time before moving into a cabin owned by Russell at a separate address.

At the time of her deposition, over 18 months after the accident, Wendy was living in the referenced cabin. Wendy testified that she had lived at the cabin for over a year, and that she intended to move back into her own home after her daughter’s family moved out, which they had plans to do.

At his deposition, Russell confirmed Wendy’s testimony about the utilities to the camper and that he did not charge her rent. Russell also confirmed that Wendy received mail and packages only at Wendy’s own house, and that Wendy used his house to shower, cook, and store food and possessions. Russell testified that Wendy could come and go from his house as she pleased and that she would visit there most days. Wendy could have visitors without Russell’s permission. Russell also stated that Wendy had been living in the camper temporarily while they worked on preparing the cabin.

The parties filed competing motions for summary disposition on the issues of Wendy’s domicile and insurer priority. Plaintiff argued that, because Wendy was not a named insured under any policy with plaintiff, and because she was not domiciled in Russell’s household at the time of the accident, plaintiff was not responsible for Wendy’s PIP benefits. Defendant argued that Wendy was domiciled in Russell’s household at the time of the accident, that plaintiff was the highest priority insurer for payment of Wendy’s PIP benefits, and that Wendy therefore was ineligible to receive benefits from defendant.

The trial court dispensed with oral argument on the competing motions, and in July 2022 issued an opinion and order granting plaintiff’s motion and denying defendant’s motion. The trial court found that the factors for analyzing domicile set forth in Workman v Detroit Auto Inter- Insurance Exchange, 404 Mich 477; 274 NW2d 373 (1979) and Dairyland Ins Co v Auto-Owners Ins Co, 123 Mich App 675; 333 NW2d 322 (1983) were “the controlling relevant factors that must

-2- be used to resolve the domicile dispute in this matter.” Specifically, the trial court found the following factors to be relevant:

(1) [T]he subjective or declared intent of the person of remaining, either permanently or for an indefinite or unlimited length of time, in the place he contends is his “domicile” or “household”; (2) the formality or informality of the relationship between the person and the members of the household; (3) whether the place where the person lives is in the same house, within the same curtilage or upon the same premises; (4) the existence of another place of lodging by the person alleging “residence” or “domicile” in the household. [Workman, 404 Mich at 496- 497 (citations omitted).]

(1) [T]he person’s mailing address; (2) whether the person maintains possessions at the insured’s home; (3) whether the insured’s address appears on the person’s driver’s license and other documents; (4) whether a bedroom is maintained for the person at the insured’s home; and (5) whether the person is dependent upon the insured for financial support or assistance. [Williams v State Farm Mut Auto Ins Co, 202 Mich App 491, 494-495; 509 NW2d 821 (1993), citing Dairyland Ins Co, 123 Mich App at 682.]

Considering the first Workman factor, the trial court found: This factor weighs in favor of plaintiff. The record reflects that Wendy’s declared intent was to live in the camper temporarily and move either back into her home . . . or move elsewhere. There is no documentary support for the notion that Wendy subjectively or outrightly considered the camper to be a residence of any sort of permanency. It was clearly a temporary living space.

Considering the fourth Dairyland factor, the trial court found: This factor weighs in favor of Plaintiff because Wendy owned her own home, therefore she owned every room in her home and no evidence has been presented that she was a landlord or that she was denied access to any room in her home. Wendy also testified that she kept many of her belongings in her home but that her daughter and family could use them.

The trial court found that the second Workman factor also weighed in favor of plaintiff because the relationships between Wendy and Russell, and Wendy and her daughter, were familial and the living arrangements lacked any written agreements or rental payments.

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Bluebook (online)
Frankenmuth Mutual Insurance Company v. Maipf, Counsel Stack Legal Research, https://law.counselstack.com/opinion/frankenmuth-mutual-insurance-company-v-maipf-michctapp-2023.