Mester v. State Farm Mutual Ins. Co., Docket No. 205442.

• Decision Date: 09 April 1999
• Docket Number: Docket No. 205442.
• Citation: 596 N.W.2d 205,235 Mich. App. 84
• Parties: Jessica MESTER, a minor, by her next friend, Belinda Mester, Plaintiff-Appellant, v. STATE FARM MUTUAL INSURANCE COMPANY, Defendant-Appellee.
• Court: Court of Appeal of Michigan — District of US

596 N.W.2d 205

235 Mich. App. 84

Jessica MESTER, a minor, by her next friend, Belinda Mester, Plaintiff-Appellant, v. STATE FARM MUTUAL INSURANCE COMPANY, Defendant-Appellee.

Docket No. 205442.

Court of Appeals of Michigan.

Submitted February 2, 1999, at Lansing.

Decided April 9, 1999, at 9:05 a.m.

Released for Publication July 14, 1999.

Bendure & Thomas (by Victor S. Valenti) and Thomas R. Present, Detroit, for the plaintiff.

Collison, Collison & Zimostrad, P.C. (by Joseph T. Collison), Saginaw, for the defendant.

Before: FITZGERALD, P.J., and HOLBROOK, JR., and O'CONNELL, JJ.

FITZGERALD, P.J.

Plaintiff, Jessica Mester, by her next friend, Belinda Mester, appeals as of right the order granting summary disposition pursuant to MCR 2.116(C)(10) in favor of defendant State Farm Mutual Insurance Company. We affirm.

On March 24, 1995, twelve-year-old Jessica Mester skipped school in Cass City with two other girls, fourteen-year-old Amanda Smith and twelve-year-old Edelfina Nazario. The principal of the school observed the girls leaving the school grounds and chased them. The girls eluded the principal by running away on foot. Later that day, the girls began looking for a vehicle with keys in it that they could use to drive away from the Cass City area. Amanda Smith found a truck parked with keys inside and got into the driver's seat. Jessica got into the passenger seat, Edelfina got into the back seat, and Amanda drove the vehicle away.

The girls used the truck to go to the upper peninsula, stopping occasionally to purchase gas and to take turns driving the truck in a field. After running out of money, the girls used the truck to return to the lower peninsula on 1-75 and headed back toward Cass City. At approximately 1:00 a.m. on the morning of March 25, the girls were spotted in the truck by a police officer in the village of Reese. A chase ensued, and Amanda refused to pull over despite the pleas of Edelfina and Jessica for her to stop. The truck went out of control during the chase, resulting in a roll-over collision that killed Edelfina and injured Jessica and Amanda.

Jessica, through her mother, Belinda Mester, filed a complaint in May 1996 seeking to recover no-fault personal protection insurance (PIP) benefits from defendant, the insurer of Belinda's own vehicle. Defendant moved for summary disposition, arguing that subsection 3113(a) of the no-fault act, M.C.L. § 500.3113(a); MSA 24.13113(a), which excludes coverage for an individual who unlawfully takes a vehicle, precluded coverage because Jessica was involved in the unlawful taking of the vehicle. Belinda argued that Jessica was only involved in the unlawful use of the vehicle, not its taking. The trial court granted summary disposition in favor of defendant. The court found that there was no question of fact that Jessica was actively involved in unlawfully taking the truck and driving it away. Thus, the court concluded that Jessica was not eligible for no-fault PIP benefits.

Subsection 3113(a) of the no-fault act provides:

A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed:

(a) The person was using a motor vehicle or motorcycle which he or she had taken unlawfully, unless the person reasonably believed that he or she was entitled to take and use the vehicle.

Under this section, coverage for personal protection benefits will be denied if (1) a person takes a vehicle unlawfully and (2) that person did not have a reasonable basis for believing that she could take and use the vehicle. Bronson Methodist Hosp. v. Forshee, 198 Mich.App. 617, 626, 499 N.W.2d 423 (1993).

The phrase "taken unlawfully" is not defined in the no-fault act itself. The leading case interpreting the phrase "taken unlawfully" as used in subsection 3113(a) is Priesman v. Meridian Mut. Ins. Co., 441 Mich. 60, 490 N.W.2d 314 (1992). In Priesman, the Court considered whether an underage, unlicensed driver injured while driving his mother's automobile without her knowledge or consent could recover medical benefits from the no-fault insurer of the automobile. The Court, in the lead opinion,¹ concluded that subsection 3113(a) did not apply to underage drivers joyriding in their parent's automobiles. Id. at 68, 490 N.W.2d 314. The Court reasoned that the legislative intent could not have been to deny coverage to joyriding family members, this being such a common occurrence. Id. Accordingly, the lead opinion in Priesman found a "family member" joyriding exception to subsection 3113(a) of the no-fault act. In Butterworth Hosp. v. Farm Bureau Ins. Co., 225 Mich. App. 244, 570 N.W.2d 304 (1997), this Court extended Priesman to adult family members from another household who joyride in a relative's car without permission. Two of the judges in Butterworth opined, in dicta, that the Priesman holding should not be extended to joyriders who...