Cincinnati Insurance v. Pennsylvania General Insurance

Pennsylvania General Insurance Company was the no-fault insurer of a car that caused a fire resulting in damage to the car owner’s house, which was insured by Cincinnati Insurance Company under a homeowner’s policy covering the house and its contents. The trial court denied a motion for summary disposition by Pennsylvania General and granted a motion for summary disposition in favor of Cincinnati. We reverse.

The parties have stipulated the facts of this case. The insured’s Ford Bronco caught fire while parked in the garage attached to the house. Before the fire, the insured had noticed a…