Farm Bureau Mutual Insurance v. Nikkel

We granted leave in this case to determine whether a nonowned automobile clause1 of a no-fault insurance policy is ambiguous. We hold that the policy language at issue here is unambiguous and enforceable. In doing so, we repudiate the two-justice plurality opinion in Powers v DAIIE, 427 Mich 602; 398 NW2d 411 (1986), upon which the Court of Appeals relied. Under the clear language of the no-fault policy involved in this case, the policy does not cover vehicles furnished for regular use of either the named insured or any relative, unless the vehicle qualifies as a “temporary substitute…