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A Better Partnership
May 22, 2017

COA: Businesses that peripherally participate in auto maintenance and repair are not excluded from coverage under the No Fault Act

The Michigan Insurance Code excludes no-fault insurance liability for property damage only where the damage occurs at a business whose primary purpose is to provide maintenance and repair services for motor vehicles, said the Michigan Court of Appeals in Hastings Mutual Insurance Company v. Grange Insurance Company, No. 333193. The exclusion does not apply to a business that has primary purpose doing something else and only peripherally participates in vehicle repair and maintenance. 
  
In this case, although a farm barn was regularly used to provide repairs and maintenance to the farm’s vehicles as well as the vehicles of the family members, it did not change the primary purpose of the business from farming to vehicle repair business.

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