Daniel Kemp v. Farm Bureau General Insurance Company of Michigan

Michigan Supreme Court
Lansing, Michigan

Syllabus
Chief Justice: Justices:
Stephen J. Markman Brian K. Zahra
Bridget M. McCormack
David F. Viviano
Richard H. Bernstein
Joan L. Larsen
Kurtis T. Wilder
This syllabus constitutes no part of the opinion of the Court but has been Reporter of Decisions:
prepared by the Reporter of Decisions for the convenience of the reader. Kathryn L. Loomis

KEMP v FARM BUREAU GENERAL INSURANCE COMPANY OF MICHIGAN

Docket No. 151719. Argued on application for leave to appeal October 6, 2016.
Decided June 15, 2017.

Daniel Kemp filed a complaint in the Wayne Circuit Court against his no-fault insurer,
Farm Bureau General Insurance Company of Michigan, seeking personal protection insurance
(PIP) benefits under the parked motor vehicle exception in MCL 500.3106(1)(b) for an injury he
sustained while unloading personal items from his parked motor vehicle. Farm Bureau moved
for summary disposition under MCL 2.116(C)(10) on the basis that Kemp had not established
any genuine issue of material fact regarding whether he satisfied MCL 500.3106. Kemp
responded by asking the trial court to deny Farm Bureau’s motion and, instead, to grant
judgment to Kemp under MCR 2.116(I)(2). The court, Susan D. Borman, J., granted Farm
Bureau’s motion for summary disposition. Kemp appealed. The Court of Appeals, CAVANAGH
and SAAD, JJ. (BECKERING, P.J., dissenting), affirmed the trial court’s decision in an unpublished
per curiam opinion issued May 5, 2015 (Docket No. 319796). Kemp sought leave to appeal.
The Supreme Court ordered and heard oral argument on whether to grant Kemp’s application for
leave to appeal or take other action. 499 Mich 861.

In an opinion by Justice VIVIANO, joined by Justices MCCORMACK, BERNSTEIN, and
LARSEN, the Supreme Court, in lieu of granting leave to appeal, held:

Farm Bureau was not entitled to summary disposition because Kemp satisfied the
transportational function requirement as a matter of law, and he created a genuine issue of
material fact concerning whether he satisfied the parked vehicle exception in MCL
500.3106(1)(b) and the corresponding causation requirement. Therefore, the trial court erred by
granting summary disposition in favor of defendant, and the Court of Appeals erred by affirming
that decision. The conveyance of personal belongings is closely related to the transportational
function of motor vehicles, and a person who is engaged in the activity of unloading his or her
personal effects from a vehicle upon arrival at a destination is using the vehicle for its
transportational function. Shellenberger v Ins Co of North America, 182 Mich App 601 (1990),
was overruled to the extent it suggested otherwise.

1. The Michigan no-fault insurance act, MCL 500.3101 et seq., specifically MCL
500.3105(1), requires no-fault automobile insurers to pay PIP benefits to a person for injuries
arising from the ownership, operation, maintenance, or use of a motor vehicle. PIP benefits are
generally not payable for injuries involving a parked motor vehicle unless the claimant can show,
under MCL 500.3106(1), that one of the exceptions to the parked motor vehicle exclusion
applies. One of the exceptions is addressed in MCL 500.3106(1)(b), which states, in relevant
part, that an injury may qualify for no-fault benefits when the injury arises out of the ownership,
operation, maintenance, or use of a parked vehicle as a motor vehicle if the injury was a direct
result of physical contact with property being lifted onto or lowered from the vehicle in the
loading or unloading process. Putkamer v Transamerica Ins Corp of America, 454 Mich 626
(1997), provides a three-step framework for analyzing whether a no-fault insurer must provide
benefits for injuries related to parked motor vehicles: (1) the claimant must show that the
circumstances of the injury fit one of the exceptions in MCL 500.3106(1); (2) the claimant must
show that the injury arose from the ownership, operation, maintenance, or use of a parked motor
vehicle as a motor vehicle (the transportational function requirement); and (3) the claimant must
show that the injury had a causal relationship to the parked vehicle that was more than incidental,
fortuitous, or but for. In this case, Kemp created a question of fact regarding whether his injury
arose directly from his physical contact with property being lifted onto or lowered from the
vehicle in the loading or unloading process. Kemp showed that his injury arose as he was
unloading his personal items from his parked vehicle and that he was in physical contact with the
items at the time of the injury. Whether plaintiff’s property was of sufficient size and weight to
have caused his injury was a question of fact for the jury.

2. In addition to establishing a parked vehicle exception under MCL 500.3106(1), to be
eligible for PIP benefits when an injury involves a parked motor vehicle, MCL 500.3105 requires
that the injury arise from the injured person’s use of the motor vehicle as a motor vehicle. That
is, the activity giving rise to the injury must be closely related to the vehicle’s transportational
function. Kemp was injured as he unloaded personal items from his vehicle after arriving at his
home. The dictionary definition of the term “vehicle” is any device or contrivance for carrying
or conveying persons or objects. A person who is engaged in the activity of unloading his or her
personal effects from a vehicle upon arrival at a destination is using the vehicle for its
transportational function, i.e., for the conveyance of persons or objects from one place to
another. In reaching the opposite conclusion, the Court of Appeals relied on Shellenberger,
which erroneously conflated transportational function with some facet particular to the normal
functioning of a motor vehicle. But the correct question is whether the activity in which the
plaintiff was engaged was closely related to the vehicle’s transportational function. That the
injury could have occurred elsewhere is of no moment. Shellenberger was overruled to the
extent it suggested otherwise. Kemp’s act of unloading items from his vehicle upon arrival at his
destination constituted the use of a motor vehicle as a motor vehicle and satisfied the
transportational function requirement as a matter of law.

3. To recover under MCL 500.3106(1)(b), an injured person must also show a causal
relationship to the parked motor vehicle that is more than incidental, fortuitous, or but for. The
injury must be foreseeably identifiable with the normal use of the vehicle. In this case, Kemp’s
injury was foreseeably identifiable as an injury that could arise from the normal use of his
vehicle, and he raised a question of fact regarding whether his injury had a causal relationship to
the use of a motor vehicle as a motor vehicle that was more than incidental, fortuitous, or but for.
 Court of Appeals’ decision affirming the trial court’s grant of summary disposition in
favor of Farm Bureau reversed and case remanded to the trial court for further proceedings.

Justice ZAHRA, joined by Chief Justice MARKMAN and Justice WILDER, dissenting,
concluded that Kemp had failed to establish a genuine issue of material fact with regard to the
parked motor vehicle exception in MCL 500.3106(1)(b) and would have granted leave to appeal
to reexamine Putkamer. In this case, there was no evidence that Kemp’s physical contact with
the property caused Kemp’s injury; that is, Kemp produced no evidence that the kinetic energy,
weight, or other physical property of the items he was unloading caused his injury. Rather,
Kemp himself testified that the injury occurred when he turned and twisted to place the items on
the ground. The evidence suggested that the act of unloading the property—and not physical
contact with the property—caused Kemp’s injury. Simply touching property being unloaded
from a vehicle does not establish that the injury occurred as a direct result of that physical
contact. Further, Putkamer should be reexamined because there is little question that the third
prong of Putkamer’s analytical framework cannot apply to injuries arising from parked vehicles
under MCL 500.3106(1)(b), which contains its own causation requirement; the Putkamer test
does not bear sufficient resemblance to the actual statutory text at issue.

©2017 State of Michigan
 Michigan Supreme Court
Lansing, Michigan

OPINION
Chief Justice: Justices:
Stephen J. Markman Brian K. Zahra
Bridget M. McCormack
David F. Viviano
Richard H. Bernstein
Joan L. Larsen
Kurtis T. Wilder

FILED June 15, 2017

STATE OF MICHIGAN

SUPREME COURT

DANIEL KEMP,

Plaintiff-Appellant,

v No. 151719

FARM BUREAU GENERAL INSURANCE
COMPANY OF MICHIGAN,

Defendant-Appellee.

BEFORE THE ENTIRE BENCH

VIVIANO, J.
At issue in this case is whether plaintiff, Daniel Kemp, is entitled to personal

protection insurance (PIP) benefits under the no-fault act 1 for injuries he allegedly

sustained while unloading personal belongings from his parked vehicle. 2 We hold that

1
MCL 500.3101 et seq.
2
As explained herein, a plaintiff seeking PIP benefits for an injury related to a parked
motor vehicle must satisfy (1) one of the three exceptions set forth in MCL 500.3106(1);
plaintiff created an issue of fact regarding whether he satisfied the parked motor vehicle

exception in MCL 500.3106(1)(b) and the corresponding causation requirement. We also

hold as a matter of law that plaintiff satisfied the transportational function requirement.

Therefore, we reverse the judgment of the Court of Appeals and remand this case to the

trial court for further proceedings not inconsistent with this opinion.

I. FACTS AND PROCEEDINGS

On September 15, 2012, after plaintiff finished working, he placed his briefcase,

overnight bag, thermos, and lunch box on the floor behind the driver’s seat of his 2010

Chevy Silverado 1500 extended cab truck. He then drove home. When he arrived, he

parked in his driveway, stepped out of the vehicle, and went to retrieve his belongings.

Plaintiff opened the rear door, reached into the vehicle for his belongings, and sustained

an injury as he was lowering them from the vehicle.

Subsequently, plaintiff filed suit against his auto insurer, defendant Farm Bureau

General Insurance Company of Michigan, seeking no-fault benefits under § 3106(1)(b).

Defendant moved for summary disposition under MCR 2.116(C)(10), arguing that

plaintiff was not entitled to no-fault benefits because (1) his injury did not arise out of the

ownership, operation, maintenance, or use of the parked motor vehicle as a motor

vehicle, (2) his injury did not meet the parked motor vehicle exception in § 3106(1)(b),

and (3) his injury did not have a causal relationship to the parked motor vehicle that was

(2) the transportational function requirement; and (3) the causation requirement. See
Putkamer v Transamerica Ins Corp of America, 454 Mich 626, 635-636; 563 NW2d 683
(1997).

2
more than incidental, fortuitous, or but for. In response, plaintiff asked the trial court to

deny defendant’s motion and to grant plaintiff judgment under MCR 2.116(I)(2). 3 The

trial court granted defendant’s motion.

Plaintiff appealed, and the Court of Appeals affirmed the trial court’s judgment in

a split decision. 4 The Court of Appeals majority concluded that plaintiff’s “injury had

nothing to do with ‘the transportational function’ of his truck.” 5 According to the Court,

“the removal of personal effects from a parked vehicle . . . cannot be said to result from

some facet particular to the normal functioning of a motor vehicle” because similar

movements routinely occur in other places. 6 Rather, the majority reasoned, plaintiff’s

vehicle was used as a “storage space for his personal items” and was “merely the site” of

the injury. 7

Dissenting, Judge BECKERING concluded that plaintiff had satisfied the parked

motor vehicle exception set forth in § 3106(1)(b). 8 The dissent further concluded that

plaintiff had satisfied the transportational function requirement because “it is axiomatic

3
MCR 2.116(I)(2) states that “[i]f it appears to the court that the opposing party, rather
than the moving party, is entitled to judgment, the court may render judgment in favor of
the opposing party.”
4
Kemp v Farm Bureau Gen Ins Co of Mich, unpublished per curiam opinion of the Court
of Appeals, issued May 5, 2015 (Docket No. 319796).
5
Id. at 3 (citation omitted).
6
Id. (quotation marks and citation omitted).
7
Id.
8
Id. (BECKERING, P.J., dissenting) at 1.

3
that when one travels in a vehicle, one will take personal effects along for the ride and

will seek to unload those personal effects when the drive is finished.” 9 Finally, the

dissent reasoned that “plaintiff’s injury had a direct causal relationship to the parked

vehicle” because it was the act of retrieving his personal effects from his vehicle that

caused his injury. 10

Plaintiff then sought review in this Court, and we ordered oral argument on

plaintiff’s application, directing the parties to address

(1) whether the plaintiff’s injury is closely related to the transportational
function of his motor vehicle, and thus whether the plaintiff’s injury arose
out of the ownership, operation, maintenance, or use of his motor vehicle as
a motor vehicle; and (2) whether the plaintiff’s injury had a causal
relationship to his parked motor vehicle that is more than incidental,
fortuitous, or but for. McKenzie v Auto Club Ins Ass’n, 458 Mich 214, 217
n 3 (1998).[11]

II. STANDARD OF REVIEW

We review de novo a trial court’s decision to grant a motion for summary

disposition under MCR 2.116(C)(10). 12 MCR 2.116(C)(10) provides that summary

disposition is appropriate when, “[e]xcept as to the amount of damages, there is no

genuine issue as to any material fact, and the moving party is entitled to judgment or

partial judgment as a matter of law.” In determining whether there is a genuine issue as

9
Id. at 5.
10
Id. at 6.
11
Kemp v Farm Bureau Gen Ins Co of Mich, 499 Mich 861, 861-862 (2016).
12
DeFrain v State Farm Mut Auto Ins Co, 491 Mich 359, 366; 817 NW2d 504 (2012).

4
to any material fact, we consider the evidence in the light most favorable to the

nonmoving party. 13 “[W]here there is no dispute about the facts, the issue whether an

injury arose out of the use of a vehicle is a legal issue for a court to decide and not a

factual one for a jury.” 14

Issues of statutory interpretation are also reviewed de novo. 15 When interpreting

statutes, our goal is to give effect to the Legislature’s intent, focusing first on the statute’s

plain language. 16 “In so doing, we examine the statute as a whole, reading individual

words and phrases in the context of the entire legislative scheme.” 17 “When a statute’s

language is unambiguous, the Legislature must have intended the meaning clearly

expressed, and the statute must be enforced as written.” 18

III. ANALYSIS

A. LEGAL BACKGROUND

“The Michigan no-fault insurance act requires a no-fault automobile insurer to

provide first-party injury protection for certain injuries related to a motor vehicle . . . .”19

13
Id.
14
McKenzie v Auto Club Ins Ass’n, 458 Mich 214, 216 n 1; 580 NW2d 424 (1998), citing
Putkamer, 454 Mich at 630 (alteration in original).
15
Madugula v Taub, 496 Mich 685, 695; 853 NW2d 75 (2014).
16
Id. at 696.
17
Id.
18
Id. (quotation marks and citation omitted).
19
Putkamer, 454 Mich at 631.

5
The no-fault act’s initial scope of coverage for PIP benefits is set forth in MCL

500.3105(1), which provides that under “personal protection insurance an insurer is liable

to pay benefits for accidental bodily injury arising out of the ownership, operation,

maintenance or use of a motor vehicle as a motor vehicle, subject to the provisions of this

chapter.” However, when an injury involves a parked motor vehicle, coverage is

generally excluded unless the claimant demonstrates that one of three statutory

exceptions applies. 20 Plaintiff claims that he is entitled to PIP benefits under the parked

motor vehicle exception contained in the second clause of § 3106(1)(b), which provides:

(1) Accidental bodily injury does not arise out of the ownership,
operation, maintenance, or use of a parked vehicle as a motor vehicle unless
any of the following occur:
* * *

(b) . . . the injury was a direct result of physical contact with
equipment permanently mounted on the vehicle, while the equipment was
being operated or used, or property being lifted onto or lowered from the
vehicle in the loading or unloading process.[21]

This Court has provided a three-step framework to analyze coverage of injuries

related to parked motor vehicles. 22 First, the claimant must demonstrate that his or her

“conduct fits one of the three exceptions of subsection 3106(1).” 23 Second, the claimant

20
MCL 500.3106(1).
21
Emphasis added. There is an exception to this coverage for certain injuries occurring
to an employee in the course of employment if workers’ compensation benefits are
available to compensate for the injury. MCL 500.3106(2). The workers’ compensation
exception is not pertinent here.
22
Putkamer, 454 Mich at 635-636; McKenzie, 458 Mich at 217 n 3.
23
Putkamer, 454 Mich at 635.

6
must show that “the injury arose out of the ownership, operation, maintenance, or use of

the parked motor vehicle as a motor vehicle[.]” 24 Finally, the claimant must demonstrate

that the “injury had a causal relationship to the parked motor vehicle that is more than

incidental, fortuitous, or but for.” 25 We analyze each of these requirements in turn.

B. STEP ONE: PARKED MOTOR VEHICLE EXCEPTION IN § 3106(1)(b)

We must first determine whether plaintiff’s conduct falls within the parked motor

vehicle exception contained in the second clause of § 3106(1)(b), which provides

coverage when “the injury was a direct result of physical contact with . . . property being

lifted onto or lowered from the vehicle in the loading or unloading process.” 26

In this case, plaintiff established a question of fact concerning whether he was

injured as he lowered his briefcase, overnight bag, thermos, and lunch box (all of which

24
Id. at 635-636 (emphasis added).
25
Id. at 636.
26
MCL 500.3106(1)(b). For the first time in its supplemental brief to this Court,
defendant argues that the two clauses of § 3106(1)(b)—“direct result of physical contact
with equipment permanently mounted on the vehicle, while the equipment was being
operated or used” and “direct result of physical contact with . . . property being lifted
onto or lowered from the vehicle in the loading or unloading process”—should not be
construed as independent exceptions. But see Winter v Auto Club of Mich, 433 Mich
446, 460; 446 NW2d 132 (1989), citing § 3106(1)(b) (“The second [clause] requires that
the injury be a direct result of physical contact with ‘property being lifted onto or lowered
from the vehicle in the loading or unloading process.’ ”). However, defendant did not
contest the meaning of this subdivision in the lower courts, and we did not request
briefing on the issue. We decline to address defendant’s arguments in this regard because
they are unpreserved. Booth Newspapers, Inc v Univ of Mich Bd of Regents, 444 Mich
211, 234 & n 23; 507 NW2d 422 (1993) (“Issues raised for the first time on appeal are
not ordinarily subject to review” and “this Court has repeatedly declined to consider
arguments not presented at a lower level”).

7
were bundled together) from his vehicle to the ground during the unloading process.

Those items are “property” because they are things “owned or possessed” by plaintiff.27

And plaintiff testified that he was in physical contact with his property and lowering it

from the vehicle when he sustained the injury.

That leaves only the question whether a reasonable jury could find that plaintiff’s

injury was the “direct result” of this physical contact with the property. At an earlier

stage of this case, defendant argued that the statutory phrase “direct result” means that the

injury must be “due to” physical contact with the property—a position that the dissent

now advances. We agree. Plaintiff must show that his injury was caused by contact with

the property being loaded or unloaded. 28

Here, plaintiff testified: “I leaned in the vehicle, picked up my items, brought them

outside as I twisted to set them down. That’s when I heard bang, stuff fell to the ground,

I fell in the truck.” The dissent contends, in essence, that this testimony establishes only

a temporal, rather than a causal, relationship between plaintiff’s contact with the property

and his injury and is therefore insufficient to create a jury question. It is true, of course,

27
Merriam-Webster’s Collegiate Dictionary (11th ed). “All words and phrases shall be
construed and understood according to the common and approved usage of the
language . . . .” MCL 8.3a. “To understand the meaning of words in a statute that are not
otherwise defined, we may resort to dictionary definitions for guidance.” Ronnisch
Constr Group, Inc v Lofts on the Nine, LLC, 499 Mich 544, 559 n 41; 886 NW2d 113
(2016).
28
See, e.g., Celina Mut Ins Co v Citizens Ins Co, 136 Mich App 315, 320; 355 NW2d
916 (1984) (“Stephens’s injuries were caused by contact with the property being loaded
and unloaded, the steel.”). The dissent’s person-struck-by-lightning hypothetical is
therefore a red herring.

8
that plaintiff did not himself testify as to causation, but we do not believe it follows that a

jury could not reasonably infer causation from plaintiff’s testimony and other evidence in

the record. 29

We can cite, and indeed the dissent also cites, several cases in which a plaintiff’s

injury was caused (or alleged to be caused) by the kinetic energy, weight, or some other

physical property associated with the thing being loaded or unloaded from a parked

motor vehicle. 30 Whether, in this case, plaintiff’s property was of sufficient size and

weight to cause plaintiff’s injury is, in our view, an issue for the jury to decide—unless

we could conclude, as a matter of law, that it could not have caused the injury alleged. 31

29
Plaintiff submitted into evidence an affidavit from Dr. Surinder Kaura, averring that, in
his opinion, plaintiff’s “calf and low back injuries arose out of the process of unloading
the items as Mr. Kemp described, and were not merely incidental to the unloading
process.” As both the majority and dissent below noted, the trial court erred by failing to
view Dr. Kaura’s affidavit in the light most favorable to plaintiff.
30
See, e.g., Arnold v Auto-Owners Ins Co, 84 Mich App 75, 80; 269 NW2d 311 (1978)
(reversing summary judgment for the insurance companies when the plaintiff ruptured a
disk in his back while he was lifting a ramp onto the upper deck of his employer’s truck);
Adanalic v Harco Nat’l Ins Co, 309 Mich App 173, 182; 870 NW2d 731 (2015) (holding
that “the statute does not require that the property, itself, inflict the injuries” and rejecting
the insurer’s “attempts to fundamentally rewrite the statute to state that a plaintiff’s injury
must occur as a result of being struck by the property being loaded or unloaded”); Ritchie
v Federal Ins Co, 132 Mich App 372, 373-374; 347 NW2d 478 (1984) (holding that there
was a question of fact about whether the plaintiff’s contact with the ice directly resulted
in the injury he sustained when the stairway he was descending collapsed as he was
carrying a 50-pound block of ice to load it onto his truck).
31
We agree that an injury allegedly caused by unloading the dissent’s hypothetical
feather would almost certainly not survive summary disposition.

9
We believe plaintiff’s bundled-together briefcase, overnight bag, thermos, and lunch box

clears this threshold. 32

Accordingly, plaintiff established a question of fact as to whether his injury falls

within the parked motor vehicle exception in the second clause of § 3106(1)(b) because it

“was a direct result of physical contact with . . . property being lifted onto or lowered

from the vehicle in the loading or unloading process.”

C. STEP TWO: TRANSPORTATIONAL FUNCTION REQUIREMENT

Next, we must determine whether plaintiff has met the transportational function

requirement. 33 In McKenzie, this Court discussed this requirement as follows:

32
The dissent’s citation of Dinkins v State Farm Mut Auto Ins Co, unpublished per
curiam opinion of the Court of Appeals, issued December 13, 2012 (Docket No. 307363),
is, therefore, unhelpful because it begs the factual question at issue in this case. We also
find no reasoned basis for excluding, as a matter of law, injuries caused when a person
uses a “twisting action” to lower property to the ground, as distinct from other methods a
person may use to load or unload property.
33
Because we conclude that plaintiff has met this requirement, we need not address his
argument that “the Court of Appeals majority erred in tacking on to MCL 500.3106(1)(b)
a requirement that the injury fulfill the ‘transportational function’ of the vehicle.”
(Capitalization altered.) Compare McKenzie, 458 Mich at 218 (concluding that courts
must analyze the transportational function requirement for parked vehicles), and
Putkamer, 454 Mich at 632-633 (same), with Winter, 433 Mich at 457 (“In limiting no-
fault benefits to injuries ‘arising out of the ownership, operation, maintenance or use of a
motor vehicle as a motor vehicle,’ the Legislature realized that it would be inherently
difficult to determine when a parked vehicle is in use ‘as a motor vehicle.’ Accordingly,
the Legislature specifically described in subsections (a)-(c) of § 3106(1) the limited
circumstances when a parked vehicle is being used ‘as a motor vehicle.’ ”); see also
Drake v Citizens Ins Co of America, 270 Mich App 22, 30; 715 NW2d 387 (2006) (“[A]
cogent argument can be made that if any of the three parked-vehicle exceptions applies in
a given case, the injury, by statutory mandate, does arise out of the ownership, operation,
maintenance, or use of the parked vehicle as a motor vehicle; therefore, PIP benefits
would be recoverable.”).

10
 [T]he phrase “use of a motor vehicle ‘as a motor vehicle’ ” would appear to
invite contrasts with situations in which a motor vehicle is not used “as a
motor vehicle.” This is simply to say that the modifier “as a motor vehicle”
assumes the existence of other possible uses and requires distinguishing use
“as a motor vehicle” from any other uses. While it is easily understood
from all our experiences that most often a vehicle is used “as a motor
vehicle,” i.e., to get from one place to another, it is also clear from the
phrase used that the Legislature wanted to except those other occasions,
rare as they may be, when a motor vehicle is used for other purposes, e.g.,
as a housing facility of sorts, as an advertising display (such as at a car
dealership), as a foundation for construction equipment, as a mobile public
library, or perhaps even when a car is on display in a museum. . . . It seems
then that when we are applying the statute, the phrase “as a motor vehicle”
invites us to determine if the vehicle is being used for transportational
purposes.[34]

The Court concluded that “whether an injury arises out of the use of a motor

vehicle ‘as a motor vehicle’ under § 3105 turns on whether the injury is closely related to

the transportational function of motor vehicles.” 35 To answer this question, we must

examine the activity the plaintiff was engaged in at the time of the injury. 36

34
McKenzie, 458 Mich at 218-219.
35
Id. at 225-226.
36
See id. at 219. In McKenzie, we observed that “no-fault insurance generally covers
damage directly resulting from an accident involving moving motor vehicles . . . because
moving motor vehicles are quite obviously engaged in a transportational function.” Id. at
221, citing Turner v Auto Club Ins Ass’n, 448 Mich 22; 528 NW2d 681 (1995). The
question becomes a little more complicated when a vehicle is stationary because
“[i]njuries involving parked motor vehicles do not normally involve the vehicle as a
motor vehicle.” Miller v Auto-Owners Ins Co, 411 Mich 633, 639; 309 NW2d 544
(1981). The statutory exceptions to the parked vehicle exclusion in § 3106(1) outline
situations in which, “although the vehicle is parked, its involvement in an accident is
nonetheless directly related to its character as a motor vehicle.” Id. at 640-641. In
Putkamer, we held that “entering a vehicle in order to travel in it is closely related to the
transportational function.” McKenzie, 458 Mich at 221, citing Putkamer, 454 Mich at
636-637. Because the vehicle in Putkamer was stationary, we examined whether the
activity the plaintiff was engaged in—entering a vehicle in order to travel in it—was
closely related to the vehicle’s transportational function. And, properly understood,

11
 In this case, it is undisputed that plaintiff was injured while unloading personal

items from his vehicle upon arrival at his destination. We believe the conveyance of

one’s belongings is also closely related to—if not an integral part of—the transportational

function of motor vehicles. 37 Lending support to our interpretation of the statutory

language is that “the dictionary definition of ‘vehicle’ is ‘any device or contrivance for

carrying or conveying persons or objects, [especially] over land or in space . . . .’ ” 38 We

McKenzie itself followed this same mode of analysis. In applying its new test, the Court
stated:

If we apply this test here, it is clear that the requisite nexus between
the injury and the transportational function of the motor vehicle is lacking.
At the time the injury occurred, the parked camper/trailer was being used
as sleeping accommodations. This use is too far removed from the
transportational function to constitute use of the camper/trailer “as a motor
vehicle” at the time of the injury. [McKenzie, 458 Mich at 226 (emphasis
added).]

It is evident that, despite referring to the “nexus between the injury and the
transportational function of the motor vehicle,” the McKenzie Court’s analysis of the
second step of the Putkamer framework was focused on whether the activity giving rise
to the injury—sleeping in a parked camper/trailer—was closely related to the vehicle’s
transportational function. We believe this is the proper inquiry in the second step of the
Putkamer framework in cases involving parked motor vehicles.
37
See Walega v Walega, 312 Mich App 259, 272; 877 NW2d 910 (2015) (finding that an
injury that occurred while the plaintiff was using a truck to move or transport a very
heavy safe was closely related to the transportational function of the vehicle).
38
McKenzie, 458 Mich at 219 (emphasis added), citing Webster’s New World Dictionary
(3d college ed). Also supporting our conclusion is the fact that the Uniform Motor
Vehicle Accident Reparations Act, from which the “use of a motor vehicle as a motor
vehicle” limitation in § 3105(1) originated, see McKenzie, 458 Mich at 217-218, citing
Thornton v Allstate Insurance Co, 425 Mich 643, 657; 391 NW2d 320 (1986), provides
limited coverage for injuries arising from conduct in the course of loading and unloading
a vehicle. See Uniform Motor Vehicle Accident Reparations Act (UMVARA), § 1(a)(6);
14 ULA 43-44 (2005) (defining “maintenance or use of a motor vehicle” as “maintenance

12
have little difficulty concluding that a person who is engaged in the activity of unloading

his or her personal effects from a vehicle upon arrival at a destination is using the vehicle

for its transportational function, i.e., for the conveyance of persons or objects from one

place to another.

The Court of Appeals, in reaching a contrary conclusion, relied heavily on

Shellenberger v Ins Co of North America, stating as follows:

[T]he removal of personal effects from a parked vehicle . . . “cannot be said
to result from some facet particular to the normal functioning of a motor
vehicle. The need to make similar movements in order to reach for
[personal effects] routinely occurs in offices, airports, homes, conference
rooms, courtrooms, restaurants, and countless other settings . . . . The fact
that plaintiff’s movement in reaching for [his personal effects] occurred in
the interior of the truck does not transform the incident into a motor vehicle
accident for no-fault purposes.”[39]

or use of a motor vehicle as a vehicle, including, incident to its maintenance or use as a
vehicle, . . . conduct in the course of loading and unloading the vehicle” if “the conduct
occurs while occupying, entering into, or alighting from it”). From this, we can deduce
that the drafters of the UMVARA believed that a vehicle is being used as a motor
vehicle, i.e., for transportational purposes, during at least some portions of the loading
and unloading process.

Finally, it is worth noting that if we agreed with the Court of Appeals that the
transportational function requirement bars coverage for injury occurring during loading
or unloading activities, see Kemp, unpub op at 3, we would render the second clause of
MCL 500.3106(1)(b) nugatory—something courts should strive to avoid. See Johnson v
Recca, 492 Mich 169, 177; 821 NW2d 520 (2012) (“[C]ourts ‘must give effect to every
word, phrase, and clause in a statute and avoid an interpretation that would render any
part of the statute surplusage or nugatory.’ ”), quoting State Farm Fire & Cas Co v Old
Republic Ins Co, 466 Mich 142, 146; 644 NW2d 715 (2002).
39
Kemp, unpub op at 3, quoting Shellenberger v Ins Co of North America, 182 Mich App
601, 605; 452 NW2d 892 (1990) (second and third alterations in original).

13
 We find Shellenberger’s reasoning to be troubling for the following reasons. First,

while it appropriately focuses on the activity the plaintiff was engaged in at the time of

the injury—for example, moving a briefcase in Shellenberger and unloading personal

effects from a parked vehicle in this case—the proper inquiry under McKenzie is whether

that activity was closely related to the vehicle’s transportational function. 40 There is no

requirement that the activity at issue “result from” the vehicle’s transportational

function—that requirement would confuse the transportational function and causation

inquiries. And, more importantly, Shellenberger erroneously conflates transportational

function with “some facet particular to the normal functioning of a motor vehicle.” 41

Contrary to Shellenberger’s suggestion, Thornton does not require that the type of

movements made or the injuries suffered be unique to motor vehicles or that they may

only occur in a motor vehicle. 42 Instead, as noted above, the question at this stage is

simply whether the activity plaintiff was engaged in at the time of the injury was closely

related to the vehicle’s transportational function. That the injury could have occurred

elsewhere is of no moment.

This is not the first time we have rejected Shellenberger’s analysis. In McCarthy v

Allstate Ins Co, the Court of Appeals, after quoting the same passage from Shellenberger,

observed that “the movements that [the claimant] made to lift [a box of pasties]—

twisting, turning, reaching behind her, attempting to lift the box—could have occurred in

40
See note 36 of this opinion.
41
Shellenberger, 182 Mich App at 605.
42
See Thornton, 425 Mich at 643.

14
her home, her place of work, and ‘countless other settings where no-fault insurance does

not attach.’ ” 43 The McCarthy Court held that the causation requirement was not

satisfied, stating as follows:

We therefore conclude that, regardless of whether an item is being
loaded, unloaded, or merely moved around within the vehicle, an injury
resulting from the movement of a person reaching for or handling that item
is not sufficiently connected causally to the use of the vehicle to transport
the item. Stated differently, we conclude that although McCarthy’s injury
occurred when unloading her vehicle and therefore arose out of her use of
that vehicle as a motor vehicle, the injury resulted not from any
circumstance peculiar to motor vehicles but from the act of lifting the box
of pasties. As the Shellenberger panel noted, similar movements are made
in a wide variety of settings, and we conclude that the fact that McCarthy’s
injury occurred inside a vehicle does not provide a sufficient causal
connection. Simply put, we conclude that the vehicle in this case was
merely the situs of injury and not the cause of it.[44]

On appeal, we reversed the Court of Appeals’ analysis and held that the “plaintiff

established a causal link between her injury and the motor vehicle. The box of pasties

she was unloading from her car snagged on the front seat and she hurt her back trying to

free the box up to lift it out.” 45 Having rejected Shellenberger’s analysis on two separate

occasions, we now overrule it to the extent that it is inconsistent with our opinion today.

We hold that unloading property from a vehicle upon arrival at a destination

constitutes use of a motor vehicle as a motor vehicle and satisfies the transportational

43
McCarthy v Allstate Ins Co, unpublished per curiam opinion of the Court of Appeals,
issued June 4, 1999 (Docket No. 212629), p 4.
44
Id.
45
McCarthy v Allstate Ins Co, 462 Mich 860 (2000), citing Putkamer, 454 Mich 626.

15
function requirement. 46 In the present case, plaintiff testified that he sustained an injury

while unloading his belongings from his vehicle upon arriving at his house. As a result,

plaintiff satisfied the transportational function requirement as a matter of law.

D. STEP THREE: CAUSAL RELATIONSHIP

Finally, we must consider whether “the injury had a causal relationship to the

parked motor vehicle that [was] more than incidental, fortuitous, or but for.” 47 In

Thornton, we adopted the following causation test set forth in Kangas v Aetna Casualty

& Surety Co:

“[T]here . . . must be a causal connection between the injury
sustained and the ownership, maintenance or use of the automobile and
which causal connection is more than incidental, fortuitous or but for. The
injury must be foreseeably identifiable with the normal use, maintenance
and ownership of the vehicle.”[48]

After noting “a significant difference between the contractual language construed in

Kangas—‘arising out of the use of a motor vehicle’—and the statutory language at issue

[in Thornton]: ‘arising out of the use of a motor vehicle as a motor vehicle,” 49 we

concluded that there can be no recovery of no-fault PIP benefits unless the causal

46
We do not address whether unloading activity occurring some period of time after the
vehicle arrives at a destination satisfies the transportational function requirement because
the issue is not before us in this case.
47
Putkamer, 454 Mich at 636.
48
Thornton, 425 Mich at 650-651, quoting Kangas v Aetna Cas & Surety Co, 64 Mich
App 1, 17; 235 NW2d 42 (1975); see also Putkamer, 454 Mich at 635-636.
49
Thornton, 425 Mich at 656-657.

16
connection between the injury and the use of a motor vehicle as a motor vehicle “is more

than ‘but for,’ incidental, or fortuitous.” 50

In Thornton, as noted previously, we explained that “ ‘[e]ach of the exceptions to

the parking exclusion . . . describes an instance where, although the vehicle is parked, its

involvement in an accident is nonetheless directly related to its character as a motor

vehicle.’ ” 51 We have already concluded above that plaintiff created an issue of fact that

his conduct in unloading his vehicle upon arrival at his destination falls within the parked

motor vehicle exception contained in the second clause of § 3106(1)(b). And we have

concluded that, as a matter of law, plaintiff was using his vehicle as a motor vehicle, i.e,

for a transportational purpose, when he was unloading his property from it. All that is

left, then, is to determine whether plaintiff’s injury had a causal relation to his conduct in

unloading his vehicle that was more than incidental, fortuitous, or but for. 52

We believe that plaintiff’s injury—suffered while he was unloading his property

from his vehicle upon his arrival home—was foreseeably identifiable with the normal use

of the vehicle. The parked motor vehicle exception contained in the second clause of

50
Id. at 659-660.
51
Id. at 659, quoting Miller, 411 Mich at 640-641.
52
It is important to note that the three steps of the Putkamer framework are not discrete
inquiries. We recognized as much in McKenzie, when we instructed that “what
constitutes use of a motor vehicle ‘as a motor vehicle’ also figures in a causation analysis,
i.e., whether an injury’s relation to the use of a motor vehicle as a motor vehicle is more
than but for, incidental, and fortuitous.” McKenzie, 458 Mich at 222 n 8, quoting
Thornton, 454 Mich at 661 (quotation marks omitted). In other words, the second and
third steps bear an obvious logical relationship to one another.

17
§ 3106(1)(b) has its own causation component. See MCL 500.3106(1)(b) (stating that

“the injury was a direct result of physical contact”) (emphasis added). Having already

concluded that plaintiff has established a question of fact regarding whether he met this

causation requirement, we also conclude that he has raised a question of fact regarding

whether his injury had a causal relation to the use of a motor vehicle as a motor vehicle

that was more than incidental, fortuitous, or but for. 53

IV. CONCLUSION

We hold that plaintiff created an issue of fact regarding whether he satisfied the

parked motor vehicle exception in § 3106(1)(b) and the corresponding causation

requirement of the three-step framework used to analyze PIP coverage for injuries related

to parked motor vehicles. And we hold as a matter of law that plaintiff satisfied the

transportational function requirement. Therefore, we reverse the judgment of the Court

of Appeals and remand this case to the trial court for further proceedings not inconsistent

with this opinion.

David F. Viviano
Bridget M. McCormack
Richard H. Bernstein
Joan L. Larsen

53
We decline the dissent’s invitation to reconsider whether Putkamer’s causation
requirement is consistent with the plain language of § 3106(1)(b) when no party has
asked us either to overrule Putkamer’s causation requirement or to grant leave to appeal
on this ground.

18
 STATE OF MICHIGAN

SUPREME COURT

DANIEL KEMP,

Plaintiff-Appellant,

v No. 151719

FARM BUREAU GENERAL INSURANCE
COMPANY OF MICHIGAN,

Defendant-Appellee.

ZAHRA, J. (dissenting).
In this no-fault action arising from plaintiff’s interaction with items in a parked

vehicle, the majority concludes “that plaintiff created an issue of fact regarding whether

he satisfied the parked motor vehicle exception in MCL 500.3106(1)(b) and the

corresponding causation requirement.” 1 The majority also concludes “as a matter of law

that plaintiff satisfied the transportational function requirement.” 2 I respectfully dissent.

I would decide this case on the basis of MCL 500.3106(1)(b) alone and hold that plaintiff

has failed to establish a genuine factual basis from which to conclude that “the injury was

a direct result of physical contact with . . . property being lifted onto or lowered from the

vehicle in the loading or unloading process.” 3

1
Ante at 1-2.
2
Ante at 2.
3
MCL 500.3106(1)(b) (emphasis added).
 Further, I would take this opportunity to reexamine Putkamer v Transamerica Ins

Corp of America 4 and its progeny. In my view, the causation prong of Putkamer’s

analytical framework does not find its origin in the plain language of MCL 500.3106, and

caselaw addressing the parked vehicle provision, over the years, has drifted well beyond

the language of the no-fault act, MCL 500.3101 et seq. This case makes clear that the

third prong, i.e., the causation prong, of Putkamer’s general test cannot apply to injuries

arising from parked vehicles under MCL 500.3106(1)(b). And because this error of

statutory interpretation will often reoccur, the most prudent action at this time would be

to grant plaintiff’s application and, with the benefit of full briefing and argument,

reexamine the operation of MCL 500.3106 and the vitality of Putkamer. I believe that

failing to correct the misinterpretation of MCL 500.3106 will “impose far more injury

upon the judicial process than any effect associated with our decision to apply the policy

decisions of the Legislature instead of the policy decisions of this Court . . . .” 5

I. MCL 500.3106(1)(b)

Under Michigan’s no-fault insurance act and in regard to this case, “[a]ccidental

bodily injury does not arise out of the ownership, operation, maintenance, or use of a

parked vehicle as a motor vehicle unless,” as set forth in MCL 500.3106(1)(b), “the

injury was a direct result of physical contact with . . . property being lifted onto or

4
Putkamer v Transamerica Ins Corp of America, 454 Mich 626, 635-636; 563 NW2d
683 (1997).
5
Nawrocki v Macomb Co Rd Comm, 463 Mich 143, 183; 615 NW2d 702 (2000).

2
lowered from the vehicle in the loading or unloading process.” 6 In this case, plaintiff

sustained injury while unloading personal belongings from his parked vehicle. He

testified: “I leaned in the vehicle, picked up my items, brought them outside as I twisted

to set them down. That’s when I heard bang, stuff fell to the ground, I fell in the truck.”

For purposes of this appeal, I accept the majority’s characterization of plaintiff’s

testimony “that he was in physical contact with his property and lowering it from the

vehicle when he sustained the injury.” 7

Regardless of whether the term “property” is afforded its plain meaning as the

majority posits 8 or its contextual meaning of “cargo or freight” as first suggested by

defendant on appeal in this Court, 9 this term is not the focal point of this case. The

6
MCL 500.3106(1) (emphasis added).
7
Ante at 8.
8
See ante at 8.
9
Defendant presents a novel and intriguing argument that the phrase “property being
lifted onto or lowered from the vehicle in the loading or unloading process” must be read
in relation to the preceding phrase—“equipment permanently mounted on the vehicle,
while the equipment was being operated or used.” Defendant asserts that MCL
500.3106(1)(b) thus refers only to cargo or freight that is being “lifted onto or lowered
from the vehicle in the loading or unloading process,” not to personal items being
removed from a vehicle’s interior or trunk.

Notably, this argument is contrary to Arnold v Auto-Owners Ins Co, 84 Mich App
75, 79-80; 269 NW2d 311 (1978), in which the Court of Appeals held that MCL
500.3106(1)(b) contains two independent clauses and provides coverage when the injury
was the direct result of physical contact with either (1) “equipment permanently mounted
on [the] motor vehicle while [the] equipment was being operated or used,” or (2)
“property being lifted onto or lowered from [the] motor vehicle in the loading or
unloading process.” (Emphasis omitted.) Defendant has not acknowledged this decision,
but I question whether Arnold was correctly decided.

3
disputed statutory language is whether “the injury was a direct result of physical contact

with . . . property being lifted onto or lowered from the vehicle in the loading or

unloading process.” 10 On this point, the majority concludes that plaintiff’s contact with

his briefcase, overnight bag, thermos, and unfoldable lunch bags while unloading them

from his vehicle creates a genuine issue of material fact as to whether this property

caused the injury alleged. 11 In support of its conclusion, the majority relies on caselaw

that, as summarized by the majority, requires that “plaintiff’s injury [be] caused (or

alleged to be caused) by the kinetic energy, weight, or some other physical property

associated with the thing being loaded or unloaded from a parked motor vehicle.” 12 In

this case, while plaintiff was in physical contact with the property, there is no evidence to

indicate that physical contact with the property—the “kinetic energy, weight, or some

MCL 500.3106(1)(b) contains two clauses, but they are not entirely independent
of one another. Were the clauses actually independent in application, the Legislature
would have separated these clauses and created a fourth parked vehicle exception under
MCL 500.3106(1) instead of including the two clauses in the single exception under
MCL 500.3106(1)(b). Stated differently, even though the two clauses are contained in
one exception and are separated by a disjunctive term, the clauses may nonetheless be
read together to provide contextual meaning to the term “property” as it is used in MCL
500.3106(1)(b). And when read together, a cogent argument can be made that, in
context, “property being lifted onto or lowered from the vehicle in the loading or
unloading process” refers to property being lifted onto or lowered from a vehicle while
using or operating equipment permanently mounted on the vehicle. Despite my openness
to defendant’s argument, I agree with the majority that defendant failed to preserve this
issue. See ante at 7 n 26.
10
MCL 500.3106(1)(b) (emphasis added).
11
Ante at 8-10.
12
Ante at 9.

4
other physical property associated with the thing being loaded or unloaded”—caused the

injury, rather than the twisting action of placing the property on the ground. 13

In my view, plaintiff’s testimony that he was in physical contact with the property

he was removing from his truck when he sustained the injury does not establish that “the

injury was a direct result of physical contact with . . . property . . . .” 14 Plaintiff’s

testimony indicated that the injury occurred while he was turning and twisting to set

down his personal items. This suggests that the act of unloading the property caused the

injury, rather than plaintiff’s contact with the property. While plaintiff testified that he

was unloading his “briefcase, overnight bag, thermos[, and] . . . unfoldable lunch bags,”

all of which were bound together, he made no assertion that any or all of these items

caused his injury. 15 Therefore, the record presented to this Court does not support the

13
See Dinkins v State Farm Mut Auto Ins Co, unpublished per curiam opinion of the
Court of Appeals, issued December 13, 2012 (Docket No. 307363), p 3 (“There are no
characteristics about a bag containing DVDs that would cause an ordinary person to
injure oneself in the process of unloading it from a parked car. If plaintiff’s bag was
peculiarly heavy or unwieldy in any way, it was not clearly set forth in the record before
the trial court when it ruled on defendant’s motion for summary disposition.”).
14
MCL 500.3106(1)(b) (emphasis added).
15
I disagree with the majority’s suggestion that the affidavit from Dr. Surinder Kaura
was not properly considered by the trial court. Rather, as the Court of Appeals majority
explained, “viewing the physician’s affidavit in the light most favorable to plaintiff does
not change the fact that plaintiff’s injury did not arise ‘out . . . of the ownership,
operation[,] maintenance, or use of the parked motor vehicle as a motor vehicle.’ ” Kemp
v Farm Bureau Gen Ins Co, unpublished per curiam opinion of the Court of Appeals,
issued May 5, 2015 (Docket No. 319796), p 3 n 2. After explaining that he accepted
plaintiff’s version of events, Kaura stated, “[i]t is my opinion that his calf and low back
injuries arose out of the process of unloading the items as Mr. Kemp described, and were
not merely incidental to the unloading process.” The trial court was correct that Kaura’s
affidavit adds nothing to plaintiff’s testimony and is therefore irrelevant. Further, “the

5
conclusion that there exists a genuine issue of material fact regarding whether plaintiff’s

injury was a “direct result” of his physical contact with the property he was unloading

from his truck. 16

The majority fails to attach independent meaning to the phrase “direct result.”

That is, the majority suggests that a plaintiff establishes that his or her injury was a

“direct result” merely by presenting evidence that the plaintiff was injured while in

physical contact with property that he or she was loading or unloading from a vehicle.

But the statute plainly requires that the injury be a direct result of physical contact

with property that is being loaded or unloaded. A person struck by lightning while in

physical contact with property that he or she is loading or unloading cannot be said to be

injured as a direct result of physical contact with that property. In both legal and

common parlance, the word “direct” in this context means to be “[f]ree from extraneous

influence; immediate,” 17 and “result” commonly means “consequence, effect, or

opinion of an expert may not extend to the creation of new legal definitions and standards
and to legal conclusions.” Carson Fischer Potts & Hyman v Hyman, 220 Mich App 116,
122; 559 NW2d 54 (1996). Kaura’s affidavit essentially parrots plaintiff’s allegations
and concludes that the exception in MCL 500.3106(1)(b) has been satisfied. In my view,
this is improper evidence asserting a legal standard and conclusion.
16
MCL 500.3106(1)(b). Contrary to any implication in the majority opinion, I would not
categorically exclude from no-fault coverage lifting or carrying injuries occurring during
the loading or unloading process. I would only exclude those injuries that do not
“directly result” from physical contact with the property. In the absence of a showing
that the injury “directly resulted” from physical contact with the property, any injury that
happens to occur while a person is lifting anything, even a feather, from a vehicle would
be covered. As discussed next in this opinion, this interpretation not only ignores the
“direct result” requirement but also renders the statute arbitrary in its application.
17
Black’s Law Dictionary (10th ed). See also Webster’s New World College Dictionary
(5th ed) (“with nothing or no one in between; immediate; close, firsthand, or personal

6
conclusion.” 18 Reading these terms together, one gleans that a plaintiff’s injury must

have arisen from an uninfluenced and immediate consequence of physical contact with

property being lifted onto or lowered from the vehicle in the loading or unloading

process. But, again, plaintiff has presented no evidence at all that physical contact with

his property caused his injury.

Perhaps if the statute provided instead that coverage is afforded for an injury that

in any way results from the loading or unloading process, I would be inclined to agree

with the majority. But it does not, and the majority has not identified any evidence that

plaintiff’s injury was the direct result of physical contact with his property. Even

plaintiff’s expert could only conclude that plaintiff’s “calf and low back injuries arose out

of the process of unloading the items as [plaintiff] described . . . .” 19 Simply put, an

[direct contact, direct knowledge]”); Random House Webster’s College Dictionary
(2001) (“without intermediary agents, conditions, etc.; immediate: direct contact”);
Merriam-Webster’s Collegiate Dictionary (11th ed) (“marked by absence of an
intervening agency, instrumentality or influence”).
18
Black’s Law Dictionary (10th ed). See also Webster’s New World College Dictionary
(5th ed) (“to happen or issue as a consequence or effect”); Random House Webster’s
College Dictionary (2001) (“to arise or proceed as a consequence of actions, premises,
etc.; be the outcome”); Merriam-Webster’s Collegiate Dictionary (11th ed) (“something
that results as a consequence, issue, or conclusion”).
19
Likewise, the Court of Appeals’ dissenting judge ignored the statutory requirement that
the injury directly result from physical contact with property, relying only on plaintiff’s
“very act—removing items from the vehicle and attempting to set them down—that was
the cause of the alleged injury.” Kemp v Farm Bureau Gen Ins Co of Mich, unpublished
per curiam opinion of the Court of Appeals, issued May 5, 2015 (Docket No. 319796)
(BECKERING, P.J., dissenting), p 6.

7
injury arising out of the process of unloading items from a vehicle does not establish that

“the injury was a direct result of physical contact with . . . property . . . .” 20

There exists published caselaw from the Court of Appeals consistent with my

interpretation of MCL 500.3106(1)(b). For instance, in Celina Mut Ins Co v Citizens Ins

Co, 21 the Court of Appeals sustained a claim under MCL 500.3106(1)(b) when, in the

process of loading a semitrailer, “the crane operator accidentally knocked a bundle [of

steel tubing] off a previously stacked pile, and that bundle rolled into and injured [the

claimant].” 22 Another example is Adanalic v Harco Nat’l Ins Co, 23 in which the claimant

was seriously injured while unloading a pallet from a truck onto a semitrailer.

20
MCL 500.3106(1)(b). Further, MCL 500.3106(1)(b) plainly requires that the injury be
a direct result of physical contact with property that is being loaded or unloaded. If, as
the majority seems to conclude, MCL 500.3106(1)(b) encompasses injuries that occur as
a result of any physical contact with property being loaded or unloaded from a vehicle,
the requirement that there be physical contact with property becomes very artificial.
Under the majority’s interpretation, if a claimant is in the process of loading or unloading
a vehicle and is injured as the claimant leans into the vehicle but before making contact
with the property, the claimant is not entitled to PIP benefits. On the other hand, a
claimant is entitled to PIP benefits if the claimant is ever so slightly touching property
being loaded or unloaded from the vehicle when the injury results. Simply stated, the
majority’s interpretation creates a seemingly arbitrary line that encompasses injuries
during the loading or unloading process only if these injuries happen to occur when a
claimant is in physical contact with the property being loaded or unloaded. By giving
plain meaning to the “directly results” language of MCL 500.3106(1)(b) as it is related to
the physical-contact requirement, a claimant is entitled to PIP benefits under the parked
vehicle provision when contact with the property in some fashion causes the injury.
21
Celina Mut Ins Co v Citizens Ins Co, 136 Mich App 315; 355 NW2d 916 (1984).
22
Id. at 317-318.
23
Adanalic v Harco Nat’l Ins Co, 309 Mich App 173; 870 NW2d 731 (2015).

8
Specifically, while the claimant “was pulling the pallet with a belt,” “[t]he ramp

connecting the trailer and the [truck] collapsed, which caused the pallet to fall to the

ground, which, in turn, caused [the claimant] to fall to the ground.” 24 The panel noted

that “the statute does not require that the property, itself, inflict the injuries. It only

requires that the injuries directly result from physical contact with the property.” 25

Therefore, reasoned the panel, “the statute is satisfied . . . where [the claimant’s] physical

contact with the pallet caused him to fall to the ground, directly resulting in his

injuries.” 26 In sum, these cases were sustained because the property directly contributed

to the injury. 27

24
Id. at 182 (quotation marks omitted).
25
Id. (quotation marks omitted).
26
Id. (quotation marks omitted).
27
In Ritchie v Federal Ins Co, 132 Mich App 372; 347 NW2d 478 (1984), the Court of
Appeals sustained a claim under MCL 500.3106(1)(b) even though it was questionable
whether the injury was a “direct result” of physical contact with property being lifted
onto or lowered from the parked vehicle in the loading or unloading process. The
claimant “was injured when the stairs collapsed under him as he held a block of ice over
his head while in the process of loading his truck.” Id. at 375. The panel explained that
“[t]he stairway broke because of the combined weight of plaintiff and the block of ice,”
and noted that “[d]efendant’s brief admits that ‘[l]ogic would dictate that the stairway
gave way under the weight of the plaintiff and the block of ice.’ ” Id. (third alteration in
original). The panel concluded that “applying the commonly approved usage of the
language, ‘physical contact’ with the ‘property being lifted’ during the loading process
could arguably have ‘directly resulted’ in causing plaintiff’s injury. The weight of the ice
may have been the straw that broke the camel’s back.” Id.

Even though the evidence of a “direct injury” in Ritchie was somewhat anecdotal,
the panel sustained the claim noting that at the least “ ‘the property being lifted’ . . . could
arguably have ‘directly resulted’ in causing plaintiff’s injury.” Id. (emphasis added). In

9
 II. PUTKAMER v TRANSAMERICA INS CORP OF AMERICA

As previously mentioned, I would take this opportunity to reexamine Putkamer 28

and its progeny. In my view, there is little question that the third prong of Putkamer’s

general test cannot apply to injuries arising from parked vehicles under MCL

500.3106(1)(b).

In Putkamer, the “plaintiff was getting into her vehicle on the driver’s side, [and]

she fell on the ice and was injured.” 29 Citing our decision in Winter v Auto Club of

Mich, 30 we explained that “[w]here the motor vehicle is parked, the determination

whether the injury is covered by the no-fault insurer generally is governed by the

provisions of subsection 3106(1) alone.” 31 We further explained that “[t]here is no need

for an additional determination whether the injury is covered under subsection

3105(1).” 32 Though it seems clear from that language that Putkamer embraced the

proposition that MCL 500.3105(1) is not controlling in parked vehicle cases, 33 the Court

this case, plaintiff has only established that his injury directly resulted from his physical
movements while he happened to be unloading property from his vehicle.
28
Putkamer, 454 Mich 626.
29
Id. at 628.
30
Winter v Auto Club of Mich, 433 Mich 446; 446 NW2d 132 (1989).
31
Putkamer, 454 Mich at 632, citing Winter, 433 Mich at 457.
32
Putkamer, 454 Mich at 632-633, citing Winter, 433 Mich at 458 n 10.
33
MCL 500.3105(1) provides, “Under personal protection insurance an insurer is liable
to pay benefits for accidental bodily injury arising out of the ownership, operation,
maintenance or use of a motor vehicle as a motor vehicle, subject to the provisions of this
chapter.”

10
then explained that the “underlying policy of the parked motor vehicle exclusion . . . is to

ensure that an injury that is covered by the no-fault act involves use of the parked motor

vehicle as a motor vehicle.” 34

This purported underlying policy was first explained in Miller v Auto-Owners Ins

Co, 35 which involved a claim for accidental bodily injury arising out of the maintenance

of a motor vehicle, although the vehicle was parked at the time of the accident. Rather

than addressing the relevant statutory text, the Court in Miller engaged in “an assessment

of the respective policies appearing from the requirement of coverage in § 3105(1) and

the exclusion from that required coverage for parked vehicles in § 3106 as they bear upon

the scope of coverage intended by the Legislature.” 36 The Court opined that the policy

underlying the parked vehicle exclusion was that

[e]ach of the exceptions to the parking exclusion thus describes an instance
where, although the vehicle is parked, its involvement in an accident is
nonetheless directly related to its character as a motor vehicle. The
underlying policy of the parking exclusion is that, except in three general
types of situations, a parked car is not involved in an accident as a motor
vehicle.[37]

The Miller Court held that because “[t]he policies underlying § 3105(1) and

§ 3106 thus are complementary rather than conflicting,” “[c]ompensation is thus required

34
Putkamer, 454 Mich at 633.
35
Miller v Auto-Owners Ins Co, 411 Mich 633; 309 NW2d 544 (1981).
36
Id. at 638.
37
Id. at 640-641.

11
by the no-fault act without regard to whether [the plaintiff’s] vehicle might be considered

‘parked’ at the time of injury.” 38 By adopting Miller’s dubious assertions of “underlying

policies” of the no-fault act, 39 the Putkamer Court opened itself to further departure from

the textual basis of the law. While there is some textual basis under MCL 500.3106(1) to

require that the injury be “ ‘directly related’ to the vehicle’s character as a motor

vehicle,” 40 i.e., “parked vehicle as a motor vehicle,” 41 there is no basis to conclude “that

subsection 3106(1), like subsection 3105(1), requires that, in order to recover, the injury

must have a causal relationship to the motor vehicle that is more than incidental,

fortuitous, or but for.” 42

Putkamer broadly held that

38
Id. at 641.
39
The following portion of Miller has been effectively disavowed:

Section 3106(b) [now MCL 500.3106(1)(b)] recognizes that
some parked vehicles may still be operated as motor vehicles,
creating a risk of injury from such use as a vehicle. Thus a parked
delivery truck may cause injury in the course of raising or lowering
its lift or the door of a parked car, when opened into traffic, may
cause an accident. Accidents of this type involve the vehicle as a
motor vehicle. [Miller, 411 Mich at 640, disavowal recognized by
LeFevers v State Farm Mut Auto Ins Co, 493 Mich 960 (2013).]

Further, this Court has ordered argument to determine whether Miller is
viable precedent and, if so, whether it should be overturned. Spectrum Health
Hosp v Westfield Ins Co, 498 Mich 969 (2016).
40
Putkamer, 454 Mich at 634.
41
MCL 500.3106(1).
42
Putkamer, 454 Mich at 635.

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 where a claimant suffers an injury in an event related to a parked motor
vehicle, he must establish that the injury arose out of the ownership,
operation, maintenance, or use of the parked vehicle by establishing that he
falls into one of the three exceptions to the parking exclusion in subsection
3106(1). In doing so under § 3106, he must demonstrate that (1) his
conduct fits one of the three exceptions of subsection 3106(1); (2) the
injury arose out of the ownership, operation, maintenance, or use of the
parked motor vehicle as a motor vehicle; and (3) the injury had a causal
relationship to the parked motor vehicle that is more than incidental,
fortuitous, or but for.[43]

In my opinion, the Putkamer test does not bear sufficient resemblance to the actual

statutory text at issue. MCL 500.3106(1) provides that:

Accidental bodily injury does not arise out of the ownership,
operation, maintenance, or use of a parked vehicle as a motor vehicle unless
any of the following occur:

(a) The vehicle was parked in such a way as to cause an
unreasonable risk of the bodily injury which occurred.

(b) . . . [T]he injury was a direct result of physical contact with
equipment permanently mounted on the vehicle, while the equipment was
being operated or used, or property being lifted onto or lowered from the
vehicle in the loading or unloading process.

(c) . . . [T]he injury was sustained by a person while occupying,
entering into, or alighting from the vehicle.

I agree with Putkamer to the extent that it concludes that a plaintiff who meets an

exception contained in MCL 500.3106(1)(a) to (c) that arises out of the ownership,

operation, maintenance, or use of a parked vehicle as a motor vehicle has established an

accidental bodily injury. But, because the Legislature included a causal component in

MCL 500.3106(1)(b), i.e., “direct result,” I see no statutory support for the proposition

43
Id. at 635-636.

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that a claimant must additionally establish that the injury had a causal relationship to the

parked motor vehicle that is more than incidental, fortuitous, or but for. At a minimum, I

would limit Putkamer and its progeny and clarify that the third prong of Putkamer’s

general test does not apply to injuries arising from parked vehicles under MCL

500.3106(1)(b). With that said, I believe the most prudent action at this time would be to

grant plaintiff’s application and, with the benefit of full briefing and argument, reexamine

the operation of MCL 500.3106 and the vitality of Putkamer.

Brian K. Zahra
Stephen J. Markman
Kurtis T. Wilder

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