Husted v. Auto-Owners Insurance

Henry Dobbs struck and killed plaintiffs decedent while driving his employer’s uninsured vehicle. Dobbs had a personal automobile insurance policy with defendant Auto-Owners Insurance Company. This policy included an applicable business-use exclusion. We granted leave to determine whether the no-fault act’s residual liability coverage requirement voids this business-use exclusion under these circumstances. We conclude that the no-fault act does not require residual liability coverage for an insured’s operation of a vehicle that he does not own or has not registered and that is unambiguously…