State Farm Fire & Casualty Co. v. Old Republic Insurance

We granted leave to appeal to consider whether the “household exclusion” provision of MCL 500.3123 applies where a person owning damaged property is insured under a no-fault property protection policy that does not cover the vehicle that *144person was operating at the time of the accident. We hold that the exclusion applies in those circumstances. We thus reverse the judgment of the Court of Appeals and remand this case to the circuit court for further proceedings.

I. UNDERLYING FACTS AND PROCEDURAL HISTORY

Ibrahim Mroue drove a rented Ryder truck into a bakery that he owned, causing damage to…