Mirunczak v. Michigan Farmers Mutual Fire Ins.

Plaintiffs sued defendant to recover on an insurance policy. From judgment for defendant, plaintiffs appeal, claiming the trial court erred in directing a verdict for defendant.

Defendant contends the suit is barred by the statute and bylaws of the company requiring it to be commenced within 12 months next after the date of loss, and that plaintiffs were never members of the company.

In Becker v. Farmers' Mutual Fire Ins. Co., 48 Mich. 610, it was said:

"Existing bylaws are in such cases of mutual insurance very properly regarded as entering into the contract and binding the members and open…