The Michigan Supreme Court has agreed to hear two cases on whether people who use a family vehicle without permission are covered by no-fault benefits if they are injured in a crash.
In one case, Ryan DeYoung was excluded from his wife’s insurance policy.
In September of 2008, he got drunk, took his wife’s car without permission and crashed the vehicle.
The hospital and recovery center billed the insurance company, which denied the claim.
The insurance company is challenging an appeals court ruling that says DeYoung was covered under “joyriding” clause that typically covers teen-aged drivers who take their parents’ vehicles without permission.
In a separate case, an insurer is challenging a ruling that Craig Smith Junior was covered for injuries he sustained when he crashed his father’s SUV into a tree while driving drunk.
Smith did not have a valid license, and had been told not to drive the vehicle. The insurance company tried to deny coverage because Smith broke the law when he took the wheel of his parent’s car.