As a result, he is now a paraplegic. Both the truck tractor and the semi-trailer were insured under a motor vehicle liability insurance policy issued by Michigan Mutual Insurance Company. This policy also contained an endorsement which deleted the fellow employee liability exclusion to the extent of the policy limits. 1 Milliken also carried a commercial umbrella policy issued by U.S. Fire which is the subject of this appeal. The trial court disagreed and instead determined that without a specific contract between Milliken and Meyer to indemnify Meyer, the U.S. Fire policy did not provide coverage.
Summary judgment is an appropriate method for determining insurance policy coverage.
See Home Ins. Summary judgment will be granted when no genuine issue of material fact exists and the moving party is entitled to judgment as a matter of law. A trial court's order for summary judgment is reviewed without deference to the lower court. The coverage issue requires us to construe the U.S. Fire policy. We interpret an insurance policy using the same rules of construction that are applied to other contracts.