Guibord v. Farmers Insurance Exchange

312 N.W.2d 219, 110 Mich. App. 218
CourtMichigan Court of Appeals
DecidedOctober 7, 1981
DocketDocket 54857
StatusPublished
Cited by7 cases

This text of 312 N.W.2d 219 (Guibord v. Farmers Insurance Exchange) 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
Guibord v. Farmers Insurance Exchange, 312 N.W.2d 219, 110 Mich. App. 218 (Mich. Ct. App. 1981).

Opinion

Danhof, C.J.

This action arose out of a motorcycle-motor vehicle accident. Plaintiff Francis Gui-bord, the motorcyclist, brought this action for no-fault personal protection insurance benefits against defendant third-party plaintiff Farmers Insurance Exchange (Farmers), the insurer of the owner and operator of the motor vehicle, Nancy Haaseth. Farmers, in turn, filed a third-party action against Home Insurance Company (Home), the insurer of Guibord’s sister, and against West *221 American Insurance Company (West American), the insurer of Guibord’s father. The theory behind the third-party complaint was that at the time of the accident Guibord had been domiciled either in his sister’s Michigan household or in his father’s Ohio household, and that MCL 500.3114(1); MSA 24.13114(1), required benefits to be paid by either Home or West American.

Prior to trial, the district court granted summary judgment for West American on the ground that the conditions for liability of an out-of-state insurer under MCL 500.3163; MSA 24.13163 had not been met. At the conclusion of the nonjury trial the district court found that Guibord had been domiciled in Ohio at the time of the accident. Under this decision Farmers is required to pay Guibord’s personal protection insurance (PIP) benefits pursuant to MCL 500.3115(1); MSA 24.13115(1).

Farmers appealed the district court’s decision to circuit court, which affirmed. Farmers then sought leave to appeal to this Court, which denied leave. Farmers sought leave to appeal to the Supreme Court, which Court in lieu of leave to appeal remanded to this Court for consideration as on leave granted. 1

The first issue raised by Farmers concerns whether the trial court erred in denying its motion for a new trial on the ground that the court’s finding that Guibord was domiciled in Ohio on the date of the accident is against the great weight of the evidence.

Before we address the merits of this issue, we note that Guibord was not a named insured in any automobile insurance policy. Furthermore, the motorcycle he was driving did not qualify as a "motor *222 vehicle” pursuant to MCL 500.3101(2); MSA 24.13101(2) of the no-fault act. However, under the terms of the no-fault act, a motorcyclist may be entitled to claim no-fault benefits when he is injured in an accident involving a motor vehicle. Underhill v Safeco Ins Co, 407 Mich 175, 182-186; 284 NW2d 463 (1979). See also Piersante v American Fidelity Ins Co, 88 Mich App 607; 278 NW2d 691 (1979).

In examining Guibord’s claim for PIP benefits, it is important to determine if he was domiciled in Ohio or Michigan on August 10, 1976, since § 3114(1) provides in pertinent part:

"Except as provided in subsections (2) and (3), a personal protection insurance policy applies to accidental bodily injury to the person named in the policy, his spouse, and a relative of either domiciled in the same household. ” (Emphasis added.)

In the event § 3114(1) is not applicable, § 3115(1) provides:

"Except as provided in subsection (1) of section 3114, a person suffering accidental bodily injury while not an occupant of a motor vehicle shall claim personal protection insurance benefits from insurers in the following order of priority:

"(a) Insurers of owners or registrants of motor vehicles involved in the accident.

"(b) Insurers of operators of motor vehicles involved in the accident.”

Under § 3114(1) and § 3115(1), if Guibord was domiciled in his sister’s Michigan household at the time of the accident, then he qualifies for PIP benefits from her insurer, Home. Underhill, supra, 182. If Guibord was domiciled in his father’s Ohio *223 household at the time of the accident, then he might qualify for PIP benefits from either his father’s insurer, West American, or the insurer of the motor vehicle involved in the accident, Farmers. Whether Farmers or West American is liable for Guibord’s PIP benefits will be discussed more fully later in this opinion.

As noted above, the district court, acting as trier of fact, found that at the time of the accident Guibord was domiciled in his father’s Ohio household. The trial court also denied Farmers’ motion for a new trial.

A new trial may be ordered if the court in its discretion considers the decision to be against the great weight of the evidence. DCR 527.1(5). This Court interferes with the trial court’s exercise of its discretion "only if abuse of its discretion is so plain that upon consideration of the facts upon which the trial judge acted an unprejudiced person can say that there was no justification or excuse for the ruling made”. Carpenter v Cleveland, 32 Mich App 213, 215; 188 NW2d 248 (1971).

In Workman v Detroit Automobile Inter-Ins Exchange, 404 Mich 477, 496-497; 274 NW2d 373 (1979), the Supreme Court set forth the following factors to be considered in determining "domicile” under § 3114(1):

"(1) the 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; * *

*224 In the instant case, Guibord, who had just graduated from high school in Ohio, came to Michigan in June of 1976. Guibord testified that he intended to stay in Michigan only for the summer of 1976. Thereafter he intended to return to his father’s Ohio home and look for a job in Ohio. Guibord gave a reasonable explanation for his stay in Michigan: the job market in his small Ohio hometown was temporarily glutted with college students. According to Guibord, his intention of returning to Ohio changed after the accident as a result of his desire to continue treatment with a Michigan physician, Dr. Joseph Carlisle.

Farmers relies on a chain of inferences in support of its contention that the determination of the trial court is against the great weight of the evidence. Farmers asserts, inter alia, that Dr. Carlisle’s testimony indicates that Guibord might have visited him only once during a period of five or six months after January of 1977 and that Guibord was not really concerned with the proximity of Dr. Carlisle. Farmers also claims that it can be inferred from Guibord’s failure to leave Michigan after the accident that he intended to make Michigan his domicile before the accident. We do not find these inferences so compelling as to support the conclusion that the trial court abused its discretion. The findings of the trial court as to Guibord’s domicile are affirmed.

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Cite This Page — Counsel Stack

Bluebook (online)
312 N.W.2d 219, 110 Mich. App. 218, Counsel Stack Legal Research, https://law.counselstack.com/opinion/guibord-v-farmers-insurance-exchange-michctapp-1981.