Michigan court strikes down vehicle-only limits on mandatory PIP coverage

The court acknowledged that Acceptance had tried to distinguish Turner’s case from the Hartford decision by citing an earlier unpublished opinion involving similar policy language. In that case, decided in 2022, the court had allowed an insurer to deny coverage under a bobtail policy when the accident did not involve the listed vehicle. But the appeals court noted that decision came before the published Hartford ruling, and under Michigan court rules, published opinions control over unpublished ones.