Opinion ID: 2973858
Heading Depth: 3
Heading Rank: 1

Heading: vehicle or premise insurance;

Text: 2. individual, blanket or group accident or disability insurance; and 3. medical or surgical reimbursement plan. (J.A. at 275 (emphasis in original).) State Farm admits that Plaintiff’s medical expenses are allowable expenses covered by its plan. State Farm argues, however, that the initial payments made by GEHA constitute an “amount paid or payable . . . under any . . . individual, blanket or group accident or disability insurance.” Therefore, State Farm argues that Plaintiff, and not State Farm, should be required to bear the costs of the medical bills. Plaintiff filed the instant action for declaratory relief in federal court against Defendants GEHA and State Farm requesting that the court clarify all parties’ obligations under their respective insurance contracts, federal law, and the MNFIA. In particular, Plaintiff requested the district court to order Defendant State Farm to reimburse GEHA on behalf of Plaintiff. The district court held that State Farm was obligated under its insurance policy with Plaintiff’s mother to reimburse Plaintiff for the medical expenses she repaid to GEHA. The district court reasoned that GEHA’s initial payments were not “amounts paid” within the meaning of State Farm’s policy because Plaintiff was required to reimburse GEHA. In so holding, the district court relied on the Supreme Court of Michigan’s decision in Sibley v. Detroit Automobile Inter-Insurance Exchange, 427 N.W.2d 528 (Mich. 1988). Defendant State Farm now appeals the district court’s decision, contending that the district court’s reliance on Sibley to interpret the State Farm Policy was improper and that the Michigan Court of Appeals decision in Dunn v. Detroit Automobile Inter-Insurance Exchange, 657 N.W.2d 153 (Mich. Ct. App. 2002), controls. II.