State Farm Mutual Automobile Insurance v. Ruuska

This case tests the validity of an "owned vehicle” exclusion1 to residual liability coverage required under the no-fault act.2 The automobile insurance policy in question provides coverage for the named insured while driving a "non-owned” vehicle; however, a subsequent definition of the term "non-owned automobile”, as rele*330vant to the facts of this case, provides that a car owned by or registered in the name of a relative residing in the same household as the named insured or a car furnished or available for the frequent or regular use of the named insured is excluded from the category of a…