Holyfield v. Members Mutual Insurance Co.

This suit originated when Holyfield sought to recover Personal Injury Protec tion (PIP) benefits under a policy he had purchased from Members Mutual Insurance Company. The policy covered the two vehicles which were scheduled and a separate premium was paid for the PIP coverage on each vehicle.

The policy basically limited PIP coverage to those injuries sustained while riding either in: 1) an owned and scheduled vehicle; 2) a replacement vehicle as defined by the policy; or 3) an unowned vehicle. Holy-field’s son, who was covered by the policy, was injured while riding a motorcycle which was…