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STATE OF MICHIGAN 

COURT OF APPEALS 

STATE FARM MUTUAL AUTOMOBILE 

INSURANCE COMPANY, 

 Plaintiff-Appellant, 

UNPUBLISHED 

February 19, 2015 

v Nos. 319709 & 319710 

Kalamazoo Circuit Court 

MICHIGAN MUNICIPAL RISK 

MANAGEMENT AUTHORITY and QBE 

INSURANCE CORPORATION, 

LC No. 2012-000202-CK 

 Defendant-Appellees 

and 

QBE INSURANCE CORPORATION, 

 Third-Party-Plaintiff/Appellant, 

v 

STATE FARM MUTUAL AUTOMOBILE 

INSURANCE COMPANY, 

 Third-Party-Defendant/Appellee, 

and 

SECRETARY OF STATE, WHITNEY GRAY, 

MARTIN BONGERS and WILLIAM JOHNSON, 

 Third-Party-Defendants. 

Before: RIORDAN, P.J., and MURPHY and BOONSTRA, JJ. 

PER CURIAM. 
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 In Docket No. 319709, plaintiff/third-party defendant State Farm Automobile Insurance 

Agency (“State Farm”) appeals by leave granted1

 the trial court’s December 4, 2013 

interlocutory order denying its motion for summary disposition on the ground that a genuine 

issue of material fact exists regarding whether the motor vehicle operated by a police officer was 

“involved” in the accident underlying this case. In Docket No. 319710, defendant/third-party 

plaintiff QBE Insurance Corporation (“QBE”) appeals by leave granted2

 the trial court’s 

interlocutory order, also dated December 4, 2013, denying QBE’s motion for summary 

disposition on the ground, inter alia, that it could not rescind its policy of insurance. The leave 

granted to QBE was limited to the issue of whether the trial court erred in denying QBE’s motion 

on the basis of the “innocent party rule.”3 These two interlocutory appeals were consolidated by 

order of this Court.4 We reverse in Docket No. 319709, and affirm in Docket No. 319710, and 

remand for further proceedings. 

I. PERTINENT FACTS AND PROCEDURAL HISTORY 

 This case arises out of a motor vehicle accident and presents a priority dispute among 

three insurers: State Farm, QBE, and Michigan Municipal Risk Management Authority 

(“MMRMA”). 

 On August 12, 2011, Officer Richard Anson of the Parchment Police Department5

conducted a traffic stop of a 1998 Pontiac Grand Prix GT driven by William Johnson. Anson 

exited his vehicle and began to approach Johnson’s vehicle. Before Anson could reach 

Johnson’s vehicle, Johnson drove away. Anson returned to his vehicle (a Toyota Prius), 

activated the vehicle’s lights and siren, and began to follow defendant. Johnson ran a red light 

and collided with a motorcycle being operated by Martin Bongers, causing injury to Bongers. 

 At the time of the accident, MMRMA insured the police vehicle. State Farm insured 

Bongers’ personal vehicle, but not the motorcycle he was riding when hit by Johnson. The 

Grand Prix driven by Johnson had been purchased by Johnson, but was titled and registered to 

Whitney Gray, his girlfriend, because Johnson’s lack of a driver’s license and driving record 

precluded him from being able to obtain a motor vehicle registration or title in his name. The 

Grand Prix was uninsured. QBE insured a 1999 Oldsmobile Cutlass that was driven by Gray but 

 

1

 See State Farm Mutual Auto Ins Co v Mich Municipal Risk Mgmt Auth, unpublished order of 

the Court of Appeals, issued May 23, 2014 (Docket No. 319709). 

2

 See State Farm Mutual Auto Ins Co v Mich Municipal Risk Mgmt Auth, unpublished order of 

the Court of Appeals, issued May 23, 2014 (Docket No. 319710). 

3 Id. 

4 Id. 

5

 At some point subsequent to August 12, 2011, Parchment disbanded its police department. 

According to State Farm, it has been unable to locate Officer Anson in order to depose him. 

MMRMA indicated before the trial court that it could produce the officer for discovery if State 

Farm wished to depose him. 
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titled and registered to Tina M. Poole, although QBE represents that it was unaware that the 

Cutlass was titled and registered to Poole. QBE’s policy listed Gray as the named insured. 

 State Farm paid no-fault personal injury benefits to Bongers. On April 18, 2012, State 

Farm brought this suit, naming both MMRMA and QBE as defendants, to determine which of 

the three insurers had the highest priority and, hence, was responsible for paying no-fault 

benefits to Bongers; State Farm sought reimbursement of the first-party benefits it paid to 

Bongers pursuant to MCL 500.3114(5)(a). QBE filed a third-party complaint against State Farm 

(and other parties).6

 Relative to State Farm, QBE sought a declaration from the trial court that it 

was not liable to State Farm for any of the PIP benefits paid to Bongers because it was entitled to 

rescind on grounds of fraud the policy it had issued to Gray. 

 Johnson testified at his deposition that two days before the accident, he was stopped by 

the police, fled because he had an outstanding warrant for violating his probation, and managed 

to evade the police officer chasing him. Johnson testified that on the day of the accident, he 

pulled his car over to retrieve his dropped cell phone; while his car was pulled over, he saw 

Anson pull up behind him and exit his car. Johnson admitted that he fled from Anson and saw 

Anson pursue him with activated lights and sirens. At his deposition, the attorney for MMRMA 

confronted Johnson with a police report that indicated that he initially told Kalamazoo Township 

Officer Christian Kloosterman that he did not know that Anson was pursuing him; Johnson 

stated that he did not remember making that statement and that he had marijuana in his system at 

the time he spoke with Kloosterman. Johnson stated at the deposition that he remembered Anson 

pursuing him before the collision. Johnson stated, “The whole time during the chase the police 

officer was right behind me.” 

 Johnson testified initially that he may have accelerated to over 40 miles per hour (but not 

over 45 miles per hour), but then repeatedly testified that he did not believe that it “could have 

been over 40 miles per hour.” Johnson denied going faster because of Anson’s pursuit, but 

admitted to running the red light because he was being chased by the police. 

 The police investigation reports all refer to Anson being engaged in a “vehicle pursuit” 

and making a radio call indicating that he was in pursuit of a Pontiac Grand Prix. In one of the 

police reports, Kloosterman indicated that Johnson told him that he did not know that Anson was 

following him, but that Johnson later acknowledged to Kloosterman that he knew Anson was 

pursuing him with lights and siren activated. 

 State Farm moved for summary disposition pursuant to MCR 2.116(C)(10), with regard 

to the priority of MMRMA. State Farm argued that Johnson’s deposition testimony, which had 

not been refuted, conclusively established that the police vehicle was “involved in” the accident 

 

6

 QBE also sought declaratory relief from the Michigan Secretary of State and damages from 

Gray and Johnson; none of them are parties to this appeal. Since State Farm already was a party 

to the action in the lower court (and in fact was its initiator as plaintiff), QBE’s claim against 

State Farm is more properly termed a counterclaim than a third-party complaint. See 

MCR 2.203; MCR 2.204. 
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because it was chasing Johnson’s vehicle. State Farm then asserted that, because the police 

vehicle was involved in the accident, the insurer of the police vehicle was higher in priority 

under MCL 500.3114(5), and consequently was responsible for the payment of first-party nofault benefits to Bongers. 

 In its response to State Farm’s motion, MMRMA attached an affidavit from Larry D. 

Petersen, a mechanical engineer and accident reconstruction expert. Peterson opined that Grand 

Prix driven by Johnson could easily out-accelerate and out-distance the Prius driven by Anson. 

Peterson also noted that Johnson had successfully fled from police just two days before the 

accident and opined that Johnson had a demonstrated “predilection to attempt flight when 

stopped by police.” Peterson opined that the manner in which Anson operated the Prius did not 

actively contribute to the accident; rather, he elaborated, the cause of the accident was Johnson’s 

decision to flee from the police, that Anson was “in a situation where he was at best only able to 

radio in the Pontiac Grand Prix’s travel direction” at the time of the accident, and that the 

“Toyota Prius Hybrid was neither designed for, nor capable of, nor in a position where it could 

dictate the driving decisions made by Mr. Johnson.” Finally, Petersen opined that Bongers 

should have seen Johnson’s vehicle speeding towards him given the available sightline and that 

Bongers’ failure to see and yield to the Grand Prix before pulling out of a service station 

driveway was a contributing cause of the accident. 

 QBE also moved for summary disposition pursuant to MCR 2.116(C)(10). QBE 

asserted, inter alia, that it was entitled to rescind its policy of insurance provided to Gray because 

Gray had procured her policy by defrauding QBE. According to QBE, Gray had supplied false 

information on her application for insurance by affirmatively indicating that the Cutlass was 

registered to her, when in fact it was registered to Tina Poole, Gray’s mother. Had Gray 

truthfully completed the application, QBE would never have issued the policy. Under such 

circumstances, QBE argued that it was entitled to rescind the insurance policy issued to Gray, 

and thus was entitled to be dismissed from the suit. 

 In support of its argument, QBE provided the application for insurance that had been 

submitted by Gray, which stated that the named insured “must be the registered owner” of the 

insured vehicle (the Cutlass). Gray had indicated on the application that she was the registered 

owner of the vehicle, when in fact the vehicle was registered to Poole. QBE argued that it would 

not have issued the policy had it been provided accurate information on the application. Gray 

testified at her deposition that she did not own the Cutlass.7

 

7

 QBE presented the trial court with an alternative argument that Gray had defrauded the 

Michigan Secretary of State and that Johnson was the true owner of the vehicle that struck 

Bongers. QBE also presented this argument in its application for leave to appeal; however the 

order granting leave to appeal limited this Court’s consideration to the issue of whether QBE 

could rescind the policy based on Gray’s alleged misrepresentation in applying for the policy of 

insurance. We therefore do not consider this argument. See MCR 7.205(E)(4) (“Unless 

otherwise ordered, the appeal is limited to issues raised in the application and supporting brief.”) 
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 Following a hearing, the trial court ruled that it was denying both QBE’s and State 

Farm’s motions for summary disposition. Regarding State Farm’s motion, the trial court found 

that while it was not convinced by MMRMA’s arguments, the question of “whether the police 

vehicle was in fact involved for purposes of establishing liability is something that should be 

presented to the trier of fact in this matter, namely the jury.” Regarding QBE’s motion, the trial 

court found that Gray “owned the 1999 Oldsmobile and therefore had insurance. She was 

therefore liable for the vehicle[8] that she nominally owned, the 1998 Grand Prix, which was 

ultimately driven by Mr. Johnson.” The trial court further stated that “as a matter of law I do not 

believe QBE would be entitled to claim a rescission of those mandatory benefits set forth in the 

No-Fault Act by statute as they relate to innocent third-parties.” 

 The trial court entered separate orders denying summary disposition to State Farm and 

QBE on December 4, 2013. With regard to State Farm’s motion, the order stated that it was 

denied “for reasons stated on the record, including, but not limited to, that genuine issues of 

material fact remain as to the involvement of the motor vehicle operated by the Parchment Police 

Officer.”9

 With regard to QBE’s motion, the ordered stated that it was denied 

for the reasons stated on the record, including, but not limited to . . . [i]nsurance 

coverage required by statute, such as that of the No-Fault Act, MCL 500.3101, et 

seq., cannot be rescinded after an innocent third party has sustained which is the 

subject of the coverage required by statute . . . . 

The order also stated as an additional reason for denial that “[a]ny termination of the registration 

or title which may be available would not have retroactive effect, so as to alter the state of 

ownership or registration as of 08/12/2011.” 

 State Farm’s and QBE’s applications for leave to appeal, which this Court granted, 

followed. 

II. DOCKET NO. 319709 

 In Docket No. 319709, State Farm argues that the trial court erred in failing to hold as a 

matter of law that Anson’s vehicle was “involved” in the accident for the purposes of the no-fault 

act, see MCL 500.3114(5), and therefore that MMRMA (the insurer of Anson’s vehicle) is at a 

higher level of priority than State Farm with regard to liability for personal protection insurance 

(PIP) benefits paid to Bongers. We agree. 

 We review a trial court’s decision on a motion for summary disposition de novo. Moser 

v Detroit, 284 Mich App 536, 538; 772 NW2d 823 (2009). Summary disposition is proper under 

 

8

 We presume that this is shorthand for “liable for PIP benefits paid as a result of the accident 

involving the vehicle” that Gray owned. 

9

 Despite the order’s use of the phrase “but not limited to,” this Court is unable to discern any 

reason stated on the record for the denial other than the trial court’s finding that a question of fact 

existed as to whether Anson’s vehicle was “involved” in the accident. 
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MCR 2.116(C)(10) if “there is no genuine issue as to any material fact, and the moving party is 

entitled to judgment . . . as a matter of law.” “A genuine issue of material fact exists when the 

record, giving the benefit of reasonable doubt to the opposing party, leaves open an issue upon 

which reasonable minds might differ.” West v Gen Motors Corp, 469 Mich 177, 183; 665 NW2d 

468 (2003). We consider the affidavits, pleadings, depositions, admissions, and other 

documentary evidence in the light most favorable to the nonmoving party. Liparoto Constr, Inc 

v Gen Shale Brick, Inc, 284 Mich App 25, 29; 772 NW2d 801 (2009). All reasonable inferences 

are to be drawn in favor of the nonmovant, Dextrom v Wexford County, 287 Mich App 406, 415; 

789 NW2d 211 (2010). If it appears that the opposing party is entitled to judgment, the court 

may render judgment in favor of the opposing party. MCR 2.116(I)(2); Bd of Trustees of

Policemen & Firemen Retirement Sys v Detroit, 270 Mich App 74, 77-78; 714 NW2d 658 

(2006). A genuine issue of material fact exists when the record, giving the benefit of reasonable 

doubt to the opposing party, leaves open an issue upon which reasonable minds could differ. 

Allison v AEW Capital Mgt, LLP, 481 Mich 419, 425; 751 NW2d 8 (2008). 

 The question of whether a vehicle is “involved” in a motor vehicle accident so as to 

trigger entitlement to PIP benefits is a question of law which we review de novo on appeal. 

Detroit Med Center v Progressive Mich Ins Co, 302 Mich App 392, 396; 838 NW2d 910 (2013). 

 This suit is a dispute between no-fault insurers over their respective liability for firstparty no-fault benefits. MCL 500.3114(5) provides: 

 A person suffering accidental bodily injury arising from a motor vehicle 

accident which shows evidence of the involvement of a motor vehicle while an 

operator or passenger of a motorcycle shall claim personal protection insurance 

benefits from insurers in the following order of priority: 

 (a) The insurer of the owner or registrant of the motor vehicle involved in 

the accident. 

 (b) The insurer of the operator of the motorcycle involved in the accident. 

 (c) The motor vehicle insurer of the operator of the motorcycle involved 

in the accident. 

 (d) The motor vehicle insurer of the owner or registrant of the motorcycle 

involved in the accident. 

 At issue in Docket No. 319709 is whether Anson’s police vehicle was “involved” in the 

accident that injured Bongers. Because the accident involved no physical contact between 

Bongers and the police vehicle, and the incident concerns the potential roles of multiple vehicles, 

whether the police vehicle was “involved” in the accident requires a determination under the 

principles announced in Turner v Auto Club Ins Ass’n, 448 Mich 22; 528 NW2d 681 (1995). 

Auto Club Ins Ass’n v State Automobile Mutual Ins Co, 258 Mich App 328, 340; 671 NW2d 328 

(2003). 
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Turner involved an accident that occurred following a police chase of a stolen vehicle. 

Turner, 448 Mich at 25-26. Our Supreme Court set forth the following rationale for determining 

whether a vehicle was “involved” in a multi-vehicle accident despite lack of physical contact: 

[F]or a vehicle to be considered “involved in the accident” under § 3125, the 

motor vehicle, being operated or used as a motor vehicle, must actively, as 

opposed to passively, contribute to the accident. Showing a mere “but for” 

connection between the operation or use of the motor vehicle and the damage is 

not enough to establish that the vehicle was “involved in the accident.” 

Moreover, physical contact is not required to establish that the vehicle was 

“involved in the accident,” nor is fault a relevant consideration in the 

determination whether a vehicle is “involved in an accident.” Finally, as already 

indicated by our discussion in part A, the concept of being “involved in the 

accident” under § 3125 encompasses a broader causal nexus between the use of 

the vehicle and the damage than what is required under § 3121(1) to show that the 

damage arose out of the ownership, operation, maintenance, or use of the motor 

vehicle as a motor vehicle. [Turner, 448 Mich at 39.] 

Here, as in Turner, the instant case involves an officer who decided to pursue a vehicle with 

activated lights and sirens. Johnson testified that made the decision to flee Anson and knew he 

was being pursued.10 Johnson further testified that Anson was “right behind” him for the whole 

chase, and admitted that he ran the red light because he was being pursued. 

 Petersen stated in his affidavit that Anson’s vehicle was not capable of overtaking 

Johnson’s or maintaining an effective pursuit. However, the fact that a fleeing vehicle is capable 

of outrunning the police vehicle does not mean that a pursuit is not occurring. Further, Johnson’s 

unconverted testimony was that, notwithstanding the maximum speeds of which their respective 

vehicles were capable, Anson was “right behind” him for the entire pursuit, which he estimated 

occurred at speeds of approximately 40 miles per hour or less. Petersen’s affidavit does not 

assert that a Toyota Prius is not capable of maintaining such speeds. The other opinions offered 

by Petersen in his affidavit concerning Johnson’s predilection to flee from police or negligence 

on the part of Bongers have no bearing on the issue of Anson’s vehicle’s involvement. See 

Turner, 448 Mich at 39 (“. . . nor is fault a relevant consideration in the determination whether a 

vehicle is ‘involved in an accident.’ ”). 

 MMRMA’s reliance on pre-Turner cases is misplaced. Notwithstanding the non-binding 

nature of these cases, MCR 7.215(J(1), they were specifically distinguished by Turner as relating 

to single vehicle accidents, rather than multivehicle accidents arising out of the use of a motor 

vehicle other than the police vehicle. See Turner, 448 Mich at 35 n 10, citing Sanford v Ins Co 

of North Am, 151 Mich App 747; 391 NW2d 473 (1986); Peck v Auto Owners Ins Co, 112 Mich 

App 329; 315 NW2d 586 (1982). Further, MMRMA’s argument, supported by Petersen’s 

 

10 Although Johnson initially made the statement to Kloosterman that he did not know he was 

being pursued, he recanted that statement later in the same interview and admitted to knowledge 

of the pursuit. 
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affidavit, that unlike the car thief in Turner, Johnson formed the decision to flee while Anson 

was outside (and thus not operating) his vehicle, is a distinction without a difference. Even if 

Johnson’s initial decision to flee was not prompted by Anson’s use of a motor vehicle, his 

continuing flight, and specifically his decision to run the red light that caused the accident, 

certainly was. Anson’s use of his vehicle therefore “prompted [Johnson] to ignore the red light 

and collide with the other vehicle[].” Turner, 448 at 42-43. 

 Even viewing the evidence in the light most favorable to MMRMA, Liparoto Constr, Inc, 

284 Mich App at 29, there exists no material basis to distinguish this case from Turner. Nor is 

this Court at liberty to find that Turner was wrongly decided. See Const 1963, art 6, § 6; see also 

DeFrain v State Farm Mut Auto Ins Co, 491 Mich 359, 369; 817 NW2d 504 (2012). Nor would 

finding for defendant be as simple as ignoring Turner (which in any event neither the trial court 

nor this Court can do), as the test for vehicular involvement in Turner is based upon and 

comports with numerous other decisions of this Court that considered the meaning of the phrase 

“involved in the accident.” Turner, 448 Mich at 38-39. 

 We therefore reverse the trial court’s denial of State Farm’s motion for summary 

disposition in Docket No. 319709, and remand for entry of summary disposition in favor of State 

Farm on this issue.11

III. DOCKET NO. 319710 

 In Docket No. 319710, QBE argues that the trial court erred in ruling that the “innocent 

third-party rule” would bar rescission of the insurance policy issued to Gray. We disagree. 

 The trial court’s ruling in effect granted summary disposition to MMRMA on the issue of 

QBE’s liability for a portion of the PIP benefits paid to Bongers. This is because, if QBE were 

unable to rescind the policy, it would be the insurer of the titled owner and registrant of 

Johnson’s vehicle (the Grand Prix), which was involved in the accident; QBE would thus be on 

the same level of priority as MMRMA as the insurer of the Parchment Police Department, the 

 

11 State Farm also argues that, if this Court reverses the trial court’s denial, it is entitled to 

attorney fees and certain “loss adjustment costs” from MMRMA, which is a higher priority 

insurer because it processed and paid Bongers’ no-fault benefits claim. This issue was not 

addressed in the trial court’s order denying its motion. With respect to discretionary appeals by 

application, this Court only has jurisdiction to address issues arising from the order appealed. 

City of Westland v Kodlowski, 298 Mich App 647, 659-660; 828 NW2d 67 (2012), lv den in part

and rev’d in part on other grounds 495 Mich 871 (2013). Moreover, the issue was not addressed 

by the trial court and no factual record was developed at the hearing on the issue. Under these 

circumstances, we decline to address the merits of State Farm’s claimed entitlement to 

reimbursement and attorney fees. Any consideration of this issue or related issues dealing with 

the amount of no-fault benefits is premature and best left to a determination by the trial court in 

the first instance. 
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owner and registrant of Anson’s Toyota Prius. See MCL 500.3114(5)(a), MCL 500.3115(1)(a). 

The fact that QBE did not insure the Grand Prix does not alter potential liability. Farmers Ins 

Exch v Farm Bureau Ins Co, 272 Mich App 106, 118-119; 724 NW2d 485 (2006). Thus, the 

trial court’s ruling would, if undisturbed, result in QBE’s liability for a pro-rata share of the PIP 

benefits paid to Bongers. See MCR 500.3114(6), MCR 500.3115(2). 

 This Court has generally denied an insurer’s right to rescind a policy of insurance in 

order to avoid payment of no-fault benefits to an innocent third party: 

 Where a policy of insurance is procured through the insured’s intentional 

misrepresentation of a material fact in the application for insurance, and the 

person seeking to collect the no-fault benefits is the same person who procured 

the policy of insurance through fraud, an insurer may rescind an insurance policy 

and declare it void ab initio. Cunningham v Citizens Ins Co of America, 133 Mich 

App 471; 350 NW2d 283 (1984). However, this right to rescind ceases to exist 

once there is a claim involving an innocent third party. Katinsky v Auto Club Ins 

Ass’n, 201 Mich App 167, 170; 505 NW2d 895 (1993); Darnell v Auto-Owners 

Ins Co, 142 Mich App 1, 9; 369 NW2d 243 (1985). See also Burton v Wolverine 

Mutual Ins Co, 213 Mich App 514, 517, n 2; 540 NW2d 480 (1995). [Hammoud 

v Metropolitan Property & Casualty Ins Co, 222 Mich App 485, 488; 563 NW2d 

716 (1997).] 

Thus, “[o]nce an innocent third party is injured in an accident in which coverage was in effect 

with respect to the relevant vehicle, the insurer is estopped from asserting fraud to rescind the 

insurance contract.” Katinsky, 201 Mich App at 170 (citation omitted). 

 However, QBE argues that this general rule (the “innocent third-party rule”) was 

abrogated by Titan Ins Co v Hyten, 491 Mich 547; 817 NW2d 562 (2012). We disagree. In 

Titan, our Supreme Court held that an excess insurance carrier may avail itself of the equitable 

remedy of reformation (of contract) to avoid liability under an insurance policy on the ground of 

fraud in the application for insurance, even though the fraud was easily ascertainable and the 

claimant is a third party, so long as the remedies are not prohibited by statute. Id. at 550, 554, 

558, 571.

 Bongers’s entitlement to PIP benefits is statutory, however, not contractual. See Harris v 

ACIA, 494 Mich 462, 472; 835 NW2d 356 (2013); MCL 500.3114(5). The insurer in Titan did 

not seek to avoid payment of statutorily mandated no-fault benefits; in fact, that insurer 

acknowledged its liability for the minimum liability coverage limits. Id. at 552 n 2. Nor did 

Titan address a claim for PIP benefits from an innocent third party. Thus, the holding of Titan, 

that an insurance carrier may seek reformation to avoid liability for contractual amounts in 

excess of statutory minimums, does not compel a finding that Titan overruled the many binding 

decisions of this Court applying the “innocent third-party rule” in the context of PIP benefits and 

an injured third party who is statutorily entitled to such benefits. Id. at 552. QBE has provided 

this Court with no authority for the proposition that Titan overruled these decisions. We 
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therefore affirm the trial court’s denial of summary disposition in Docket No. 319710 relative to 

the “innocent third-party rule.”12 We do not address the additional grounds for denial cited by 

the trial court. 

 Reversed in Docket No. 319709, and affirmed in Docket No. 319710. Remanded for 

further proceedings consistent with this opinion. We do not retain jurisdiction. 

/s/ Michael J. Riordan 

/s/ William B. Murphy 

/s/ Mark T. Boonstra 

 

12 Because we hold that even in the event of fraud, the “innocent third-party rule” would estop 

QBE from seeking rescission of the policy to avoid liability for Bongers’s PIP benefits, we do 

not address the parties’ arguments concerning whether Gray actually committed fraud, which, in 

any event, was not decided by the trial court in the first instance.