Opinion ID: 848807
Heading Depth: 3
Heading Rank: 1

Heading: Statutory and contractual provisions

Text: The no-fault act sets forth the circumstances in which benefits are available for out-of-state accidents. M.C.L. § 500.3111 states: Personal protection insurance benefits are payable for accidental bodily injury suffered in an accident occurring out of this state, if the accident occurs within the United States, its territories and possessions or in Canada, and the person whose injury is the basis of the claim was at the time of the accident a named insured under a personal protection insurance policy, his spouse, a relative of either domiciled in the same household or an occupant of a vehicle involved in the accident whose owner or registrant was insured under a personal protection insurance policy or has provided security approved by the secretary of state under subsection (4) of section 3101. [Emphasis added.] Plaintiff was not a named insured or a spouse or relative of a named insured. Thus, the statute provides that to obtain PIP benefits, plaintiff must qualify as an occupant of an insured vehicle involved in the accident. The no-fault act does not define the word occupant. The insurance policy at issue states: A. We do not provide Personal Injury Protection Coverage for bodily injury: