Farr v. Michigan Mutual Liability Co.

Plaintiff, while operating his motorcycle, was injured in an accident with an uninsured motorist. Two policies of insurance provided coverage. Plaintiff possessed a motorcycle policy issued by defendant with a $20,000 limit on uninsured motorist coverage. Defendant also issued a policy to plaintiff’s father, which covered plaintiff as a member of the household, that contained a $50,000 limit on uninsured motorist coverage. The latter policy also contained a $5,000 deductible clause for personal injury protection (PIP) coverage.

Defendant paid $20,000 pursuant to the uninsured motorist coverage…