Williams v. Auto Club Group Insurance

*315Neff, J.

In this declaratory judgment action we must determine whether the intentional acts exclusion in defendant Auto Club Group Insurance Company’s (Auto Club) fire insurance policy, which prevents recovery by an innocent coinsured when another coinsured causes the loss, violates Michigan law. We conclude that it does.

i

The facts in this case are not in dispute. Hjalma Williams (hereafter plaintiff) and her husband purchased homeowner’s insurance, including standard fire coverage, from defendant in a policy issued January 3, 1992. A few months later, while the parties were estranged, a fire…