Morosini v. Citizens Insurance Co. of America

602 N.W.2d 828, 461 Mich. 303, 1999 Mich. LEXIS 2759
CourtMichigan Supreme Court
DecidedDecember 7, 1999
DocketDocket 113447
StatusPublished
Cited by9 cases

This text of 602 N.W.2d 828 (Morosini v. Citizens Insurance Co. of America) is published on Counsel Stack Legal Research, covering Michigan Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Morosini v. Citizens Insurance Co. of America, 602 N.W.2d 828, 461 Mich. 303, 1999 Mich. LEXIS 2759 (Mich. 1999).

Opinions

AFTER REMAND

Per Curiam.

After a minor traffic accident, the plaintiff was assaulted by the driver of the other car. The lower courts granted no-fault benefits to the plaintiff, but we reverse and remand the case to the district court for entry of a judgment in favor of the defendant.

i

This case arises from an incident that took place in January 1993. It was submitted to the district court [305]*305on stipulated facts, which the court summarized in this fashion:

On the date stated in the complaint, the Plaintiff was an operator of a motor vehicle on a public highway, I believe, leaving the Silverdome or the Palace or something like that, and he was struck from the rear by a motorist who was operating a motor vehicle.
It was a minor impact, and the impact, per se, itself, caused no injury whatsoever to Mr. Kenneth Morosini. However, it was an impact which would give rise to the requirement to determine if property damage had occurred, and if property damage had occurred, it would be necessary, under the rules of a—for vehicle operators, for the operators to exchange identification information, such as driver’s license and insurance and registration information.
Mr. Morosini exited his vehicle, was in the process of examining the area where he believed a slight impact had occurred, and he was assaulted by the driver of the other vehicle resulting in injuries.
He has brought this action against Citizens Insurance Company, who is Mr. Morosini’s own personal-injury protection carrier, for recoupment of medical expenses arising out of the treatment for the assault.

The parties further stipulated that Mr. Morosini’s damages, if liability were found, would be $2,500.

The question before the district court was whether Mr. Morosini’s insurer—Citizens Insurance Company of America—was obliged to pay first-party no-fault benefits.1 More specifically, the question is whether the facts of this case give rise to liability under MCL 500.3105(1); MSA 24.13105(1), which reads:

[306]*306Under personal protection insurance an insurer is liable to pay benefits for accidental bodily injury arising out of the ownership, operation, maintenance or use of a motor vehicle as a motor vehicle, subject to the provisions of this chapter.

The district court granted judgment to Mr. Morosini, finding a sufficient nexus between the injuries and the use of a motor vehicle as a motor vehicle. The court reasoned that the traffic accident gave rise to a statutory obligation to stop and exchange information,2 and that the assault occurred as Mr. Morosini was “in the process of fulfilling his obligations as an operator of a motor vehicle . . . .” Accordingly, the district court entered judgment in favor of Mr. Morosini, in the amount of $2,500.

The circuit court affirmed, saying that “[t]he accident precipitated the assault, and the assault occurred as an integral part of the continuum of the accident.”3

Citizens took a further appeal to the Court of Appeals. However, the result was another affirmance. 224 Mich App 70; 568 NW2d 346 (1997).4 The Court of Appeals said that Mr. Morosini’s “injuries arose out of the use of his motor vehicle as a motor vehicle because his getting out of his car—thus exposing himself to the risk of an assault—to determine whether there was an accident resulting in damage was in compliance with his statutory obligations.” 224 Mich App 84. The Court said that “what is critical for the purpose of determining whether plaintiffs injuries [307]*307were compensable under the no-fault act is whether his injuries arose from an activity normally associated with the use of a vehicle as a motor vehicle.” 224 Mich App 85. The Court of Appeals then went on to explain why its conclusion “is supported by public policy.” 224 Mich App 85.

Citizens applied to this Court for leave to appeal. In lieu of granting leave, we remanded the case to the Court of Appeals for reconsideration in light of McKenzie v ACIA, 458 Mich 214; 580 NW2d 424 (1998). 458 Mich 867 (1998).

On remand, the Court of Appeals issued a short opinion adhering to its earlier conclusion. 232 Mich App 259; 591 NW2d 63 (1998).

Once again, Citizens has applied to this Court for leave to appeal.5

n

As one readily can see from the first opinion of the Court of Appeals, 224 Mich App 70, there is a substantial body of case law concerning the meaning of the phrase “use of a motor vehicle as a motor vehicle.” Among these decisions, several pertain specifically to situations in which a driver has been assaulted.

In Thornton v Allstate Ins Co, 425 Mich 643; 391 NW2d 320 (1986), this Court considered a suit brought by a Flint taxidriver who had been assaulted by a person who pretended to be a fare. As the driver pulled away from the curb, the passenger drew a pistol and shot the driver in the neck. The robbery net[308]*308ted $15 in change, and left the driver paralyzed from the neck down. As this Court explained, however, the Legislature did not extend coverage to this situation: “The connection in this case between the debilitating injuries suffered by Mr. Thornton and the use of the taxicab as a motor vehicle is no more than incidental, fortuitous, or ‘but for.’ ” 425 Mich 660. The cab “was not the instrumentality of the injuries,” but “was merely the situs of the armed robbery—the injury could have occurred whether or not Mr. Thornton used a motor vehicle as a motor vehicle.” 425 Mich 660.

Marzonie v ACIA, 441 Mich 522; 495 NW2d 788 (1992), likewise illustrates the decisions made by the Legislature in this realm. In Marzonie, a dispute erupted between the occupants of two vehicles. One driver drove home, followed by the other. In the moments after the second car arrived, the first driver emerged from his house with a shotgun. Later claiming that he had intended to shoot the second car, not its driver, the first driver discharged his shotgun. Again, the result was permanent and serious injury. The no-fault act did not cover this situation, either, since “[t]he involvement of the automobiles was incidental and fortuitous”—“the shooting arose out of a dispute between two individuals, one of whom happened to be occupying a vehicle at the moment of the shooting.” 441 Mich 534.

Bourne v Farmers Ins Exchange, 449 Mich 193; 534 NW2d 491; 42 ALR5th 953 (1995), involved a claim brought by a man who entered his parked car, only to find two men in the back seat. They forced him at gunpoint to drive to a parking lot a mile away, where he was struck in the face and thrown to the ground. [309]*309His injuries included several facial fractures and a broken ankle. Building on Thornton and Marzonie, this Court found that “there was not a sufficient causal connection between plaintiff’s injuries and the use of his motor vehicle as a motor vehicle to find liability on the part of defendant.” 449 Mich 203.

Finally, there is McKenzie, which was decided after the Court of Appeals issued its first opinion in the present case. In McKenzie,

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Morosini v. Citizens Insurance Co. of America
602 N.W.2d 828 (Michigan Supreme Court, 1999)

Cite This Page — Counsel Stack

Bluebook (online)
602 N.W.2d 828, 461 Mich. 303, 1999 Mich. LEXIS 2759, Counsel Stack Legal Research, https://law.counselstack.com/opinion/morosini-v-citizens-insurance-co-of-america-mich-1999.