Besic v. Citizens Insurance

The dispute before us concerns which of three insurance companies must shoulder responsibility for payment of plaintiff Muhamed Besic’s first-party no-fault insurance benefits. In a summary disposition ruling, the circuit court imposed liability for all of Besic’s first-party benefits on defendant Clearwater Insurance Company, which issued plaintiff a bobtail insurance policy. Clearwater appeals as of right, and we affirm.

I. UNDERLYING FACTS AND PROCEEDINGS

In January 2007, Besic, a Michigan resident, sustained personal injuries in a motor vehicle accident in Ohio. At the time of the accident,…