Borman v. State Farm Fire & Casualty Co

This Court granted leave to appeal, limited to the issue whether § 2832 of the Insurance Code, 1 providing the form of the standard fire insurance policy, "prohibits an insurer from denying coverage to an insured who is innocent of wrongdoing based upon the wrongdoing of any other coinsured.” 444 Mich 935 (1994).

We hold that the provisions of the insurance policy issued by defendant State Farm Fire & Casualty Co., insofar as they deny coverage to an insured who is innocent of wrongdoing by another insured, are inconsistent 2 with the provisions of the standard policy, and, thus, contrary to…