Powers v. Detroit Automobile Inter-Insurance Exchange

In these five cases we again consider the validity of the so-called "owned vehicle” exclusion in policies of no-fault automobile insurance.

The claimants in these cases are all insureds under the terms of the policies at issue, in one case because the claimant is the named policyholder and in the remaining cases because the *607policies cover the claimants as relatives residing in the same household as the policyholder.

The policies state that coverage is provided to insured persons while driving "the owned automobile” and also while driving "a nonowned automobile.” The claimants contend that they…