Michigan Court Invalidates No-Fault Policy Exclusion Conflicting with Statutory PIP Coverage
The Michigan Court of Appeals ruled that a no-fault policy exclusion that conflicts with the state’s statutory PIP coverage requirements (MCL 500.3114(1)) is invalid.
Muzafer Isovska was injured while driving a Ford Focus, but he held a no-fault policy from USA Underwriters that listed only a Toyota Yaris. The court emphasized that under Michigan’s No-Fault Act, insurers must provide personal protection insurance benefits to any statutorily eligible insured—regardless of whether the vehicle involved is named in the policy. Any exclusion attempting to deny coverage contrary to mandatory statutory language cannot stand.
This decision reinforces that courts will strike down policy exclusions that conflict with Michigan’s express PIP coverage mandates.
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Case Law Alerts, 1st Quarter, January 2026 is prepared by Marshall Dennehey to provide information on recent developments of interest to our readers. This publication is not intended to provide legal advice for a specific situation or to create an attorney-client relationship. Copyright © 2026 Marshall Dennehey, all rights reserved. This article may not be reprinted without the express written permission of our firm. |