Laffen v. Auto-Owners Insurance Co.

OPINION

CRIPPEN, Judge.

Dennis Laffen, who resided with his parents but owned his own uninsured car, was seriously injured when his car struck an animal in October 1983. The trial court decided respondent Auto-Owners should pay basic economic loss benefits (entitlements for medical expenses and lost income) under an automobile insurance policy sold to Laffen’s parents on other vehicles; the parties agree that insured persons under this policy included residents in the same household, but that policy language does not permit basic economic benefits for insured relatives who own their own car.…