Auto-Owners Insurance v. Higby

Defendant Rosemary Higby was injured in an automobile accident while riding as a passenger in an automobile owned by Osborn Motor Sales. There were three different sources of insurance coverage:(1) Michigan Mutual Insurance Company policy of the driver,(2) Auto-Owners Insurance Company policy of Osborn Motor Sales,(3) Auto-Owners Insurance Company policy of Mr. and Mrs. Higby.

All of the policies provided uninsured motorist coverage with limits of $10,000 per person and $20,000 per accident.

Defendants filed a demand for arbitration with the American Arbitration Association. Apparently,…