Ruthie Allen v. Allstate Insurance Company

CourtMichigan Court of Appeals
DecidedMarch 16, 2017
Docket330808
StatusUnpublished

This text of Ruthie Allen v. Allstate Insurance Company (Ruthie Allen v. Allstate 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
Ruthie Allen v. Allstate Insurance Company, (Mich. Ct. App. 2017).

Opinion

STATE OF MICHIGAN

COURT OF APPEALS

RUTHIE ALLEN, UNPUBLISHED March 16, 2017 Plaintiff-Appellee, and

BEAUMONT HEALTH SYSTEM,

Intervening Plaintiff-Appellee,

v No. 330808 Oakland Circuit Court ALLSTATE INSURANCE COMPANY, LC No. 2014-142268-NF

Defendant-Appellant.

Before: RIORDAN, P.J., and METER and FORT HOOD, JJ.

PER CURIAM.

Defendant, Allstate Insurance Company, appeals as of right the order of judgment entered by the trial court after its earlier denial of defendant’s motion for summary disposition, and grant of plaintiff Ruthie Allen’s and intervening plaintiff Beaumont Heath System’s (“Beaumont”) motions for summary disposition, on the issue of liability. We affirm.

I. FACTUAL BACKGROUND AND PROCEDURAL HISTORY

The material facts of this case are not in dispute. In 2000, plaintiff moved to Louisiana from Michigan with her husband. In June 2013, plaintiff decided to separate from her husband, who was emotionally abusive. Accordingly, at that time, she began to make arrangements to move in with her daughter, Tara Hunter, who lived on Shaun Road in West Bloomfield, Michigan.1 Plaintiff’s “arrangements” included the following: (1) she discussed moving into

1 It is noteworthy in this case that plaintiff clearly confirmed during her deposition and examination under oath that it was her intent, as early as June 2013, to become a permanent Michigan resident.

-1- Hunter’s residence with Hunter before traveling to Michigan in July 20132; (2) plaintiff moved items—including clothing, shoes, small appliances, china, glassware, pots and pans, kitchen utensils, home movies, photo albums, and other possessions that she did not want to leave behind in Louisiana—into a bedroom designated for her use in Hunter’s house when she traveled to Michigan in July 2013; (3) she changed her address with her bank, credit card companies, cell phone company, and the federal government for her Social Security Disability benefits; (4) she either changed the address on her DTE utility bill to the Shaun Road address, or opened a DTE account in her name under the Shaun Road address3; (5) she ordered new checks that listed the Shaun Road address; and (6) she ordered winter-related items and had them delivered to the Shaun Road address so that she would not have to transport them during her final trip from Louisiana to Michigan. Between June 2013 and September 2013, she also told several friends and family members that she intended to permanently move to Michigan. However, plaintiff did not change her driver’s license when she was in Michigan in July 2013 because her “thought process was [she] was going to change it when [she] was here for good,” and “[she] knew in July [that she] was going to have to go back to Louisiana for a time.”

Plaintiff originally intended to return to Michigan in August 2013 after she went back to Louisiana in July 2013. However, she discovered that she needed to undergo a liver biopsy. As a result, she stayed in Louisiana until September 2013 for that procedure and related follow-up appointments. In September 2013, plaintiff purchased a one-way ticket to Michigan on a Greyhound bus.

On September 12, 2013, plaintiff boarded the bus with her purse and three or four suitcases full of additional possessions, intending to travel to Michigan and “[t]o move in with [her] daughter . . . .” Plaintiff never told her husband that she was moving to Michigan, and she left for the bus station while he was away from the home that they shared in Louisiana. At her deposition, she confirmed that the purpose of the trip was to permanently move to Michigan, and that she had no intention of returning to Louisiana to live or to collect anymore of her personal possessions. Rather, “[a]nything [she] left was left.”

On September 14, 2013, the bus on which plaintiff was riding drove off the side of I-75 North near Cincinnati, Ohio, struck a fence and tree, and came to rest on its side. Plaintiff sustained significant injuries as a result of the accident. She was airlifted by helicopter from the accident scene to a medical center in Cincinnati, Ohio. She remained at that hospital for a week

2 Plaintiff testified that she came to Michigan in July 2013 with her husband for approximately one week. She said the purpose of the trip was “[her husband’s] daughter’s birthday.” During the trip, plaintiff stayed with Hunter at the Shaun Road address, and her husband stayed with his children. She testified that her and her husband routinely stayed in separate locations when they visited Michigan because “[t]hat was our relationship.” 3 She seemed to explain at her examination under oath that she initiated a DTE account in her name at the Shaun Road address “as of July 2013.” She testified that “everything that I had that had to have mail come to me I had the address changed to Shaun Road” “either in July or August of [2013].”

-2- before being airlifted once again to Beaumont Hospital in Royal Oak, Michigan, where she remained until November 2013. In November, she spent approximately one week in a rehabilitation center, but then returned to Beaumont Hospital after she went into a coma. She was discharged from Beaumont on December 20, 2013, at which time she moved into the home of her son, Anthony Muhammad, in West Bloomfield, Michigan. Plaintiff did not move into Hunter’s home when she was discharged from the hospital because Hunter’s landlord would not permit modifications to the house that were required for plaintiff’s care (i.e., alterations necessary for wheelchair access and a hospital bed).

At the time of the accident, Hunter held a no-fault insurance policy issued by defendant. The policy provided personal protection insurance (“PIP”) coverage to individuals who qualified as the policy holder’s “resident relative.”

In August 2014, plaintiff filed a complaint against defendant. She alleged that (1) on September 14, 2013, she was injured in rollover accident that occurred while she was occupying a Greyhound bus that was “traveling interstate”; (2) when the accident occurred, she was covered by the no-fault insurance policy that defendant issued to Hunter, plaintiff’s “resident relative”; (3) defendant was liable to pay plaintiff certain benefits under the policy; and (4) defendant had unreasonably neglected, failed, or refused to pay those benefits, despite receiving reasonable proof of the expenses. Accordingly, plaintiff requested a judgment against defendant. Later, Beaumont intervened as a plaintiff and also filed a complaint against defendant, alleging that defendant was liable for the medical expenses that Beaumont had incurred when it treated plaintiff after the accident because defendant is the highest priority automobile insurer under the no-fault act, MCL 500.3101 et seq. In response, defendant denied that it was liable for any benefits to plaintiff under Hunter’s insurance policy.

Subsequently, the parties filed cross-motions for summary disposition under MCR 2.116(C)(10), concurring that there were no genuine issues of material fact. Based on the undisputed facts, the trial court was left with determining plaintiff’s domicile at the time of the accident, and defendant’s liability, as a matter of law. In their motions and responses, the parties disputed, inter alia, the correct standards for determining whether plaintiff was domiciled with Hunter—and, therefore, covered by Hunter’s insurance policy through defendant—at the time of the accident and the correct application of the law to the undisputed facts. Plaintiff also contended that defendant had waived any affirmative defense regarding her residency or domicile by failing to plead it in its answer.

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Bluebook (online)
Ruthie Allen v. Allstate Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/ruthie-allen-v-allstate-insurance-company-michctapp-2017.