Motorists Commercial Mutual Insurance v Farm Bureau over dealer courtesy van crash
At the time, the dealership’s shuttle was insured by Motorists Commercial Mutual Insurance Company. Smith lived with his then-wife, whose vehicle was insured by Farm Bureau, making him eligible for resident-relative coverage under her policy. Lacking personal auto insurance, Mr. Smith also filed for benefits through the Michigan Automobile Insurance Placement Facility, which provides coverage when no other insurer is responsible.
