Celina Mutual Insurance v. Lake States Insurance

This case involves a priority dispute between two no-fault insurers. The issue presented is whether § 3114(3) of the no-fault act 1 applies when the injured person is operating an insured vehicle in the course of self-employment. The trial court held that it does, and that the insurer of the vehicle involved in the accident is solely responsible for no-fault benefits. The Court of Appeals reversed, concluding that a sole proprietor was not an “employee” for the purpose of § 3114(3). Thus, the insurer of the injured person’s personal vehicles was of the same order of priority and must…