If this opinion indicates that it is “FOR PUBLICATION,” it is subject to 

revision until final publication in the Michigan Appeals Reports.

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S T A T E O F M I C H I G A N

C O U R T O F A P P E A L S

KIMBERLY JOHNSON,

Plaintiff-Appellee,

UNPUBLISHED

May 12, 2022

v No. 351838

Wayne Circuit Court

GEICO INDEMNITY COMPANY, LC No. 18-006423-NF

Defendant-Appellant.

ON REMAND

Before: JANSEN, P.J., and MURRAY and CAMERON, JJ.

MURRAY, J., (concurring).

This case is resolved through the application of Fashho v Liberty Mutual Ins Co, 333 Mich 

App 612; 963 NW2d 695 (2020), where this Court upheld the grant of summary disposition to 

defendant on the basis that there was no genuine issue of material fact that the plaintiff had 

committed fraud in applying for no-fault benefits, and thus defendant properly denied the claim 

based on fraud. Fashho, 333 Mich App at 615, 621-622. As here, the plaintiff’s insurance policy 

in Fashho allowed defendant to deny a claim (as opposed to voiding a policy, which it could also 

do) based on false misrepresentations, and the denial was based upon misrepresentations made 

both before the suit was filed, and after it was filed during discovery. Id. See also, Shelton v AutoOwners Ins Co, 318 Mich App 648; 899 NW2d 744 (2017).

However, in my view neither Meemic Ins Co v Fortson, 506 Mich 287, 309-310; 954 

NW2d 115 (2020), which held that the applicable antifraud contract provision was void because it 

was based upon post-procurement misrepresentations, nor Williams v Farm Bureau Ins Co, 335 

Mich App 574; 967 NW2d 869 (2021), which in its holding1 merely reaffirmed what Meemic held, 

 

1 Williams held that “the allegedly fraudulent statements were made postprocurement and did not 

influence or induce the policy’s procurement. The rule of law clearly set forth in Meemic requires 

that we reverse the trial court.” Williams, 335 Mich App at 581. The remainder of the opinion
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address what is at issue here: whether an insurer can defend a claim for benefits (and not seek to 

void the entire policy) on the basis that the post-procurement information submitted in support of 

the claim was fraudulent. The Meemic Court, in fact, specifically disclaimed that it was addressing 

this issue. Meemic, 506 Mich at 307 n 15. Thus, I would abstain from any reliance on Meemic or 

Williams, as both dealt with defendants seeking to void policies with post-procurement 

misrepresentations. VHS of Mich, Inc v State Farm Mut Auto Ins Co, __ Mich App __, __; __ 

NW2d __ (2021) (Docket No. 352881); slip op at 9 (“this case is factually distinguishable from 

Haydaw, Meemic, and Williams, where the insurers sought to rescind or void the subject insurance 

policies on the basis of allegations of fraud on the part of the insured. Here, defendant has not 

sought to rescind its policy. Rather, it is seeking to plead fraud with particularity in order to justify 

denial of claimed benefits.”). Defendant is not seeking to do that here, and the policy allows it to 

defend against the claim based upon fraud.

Although the undisputed material facts strongly suggest we simply affirm the trial court’s 

order, it is not imprudent to remand for the trial court to make a fresh review of the evidence under 

the controlling law.

/s/ Christopher M. Murray 

 

addresses the continued validity of Bahri v IDS Prop Cas Ins Co, 308 Mich App 420; 864 NW2d 

609 (2014), which was unnecessary to the decision given that the majority twice concluded

reversal was required by Meemic, and it was undisputed that the defendant was seeking to void the 

policy based on post-procurement fraud, which Meemic resolved. See People v Peltola, 489 Mich 

174, 190 n 32; 803 NW2d 140 (2011)(Obiter dicta is a statement not necessary for the decision).