COA 368595 ROSE STEVENS V ESTATE OF BRITTNEY HUNTER Opinion - Per Curiam - Unpublished 11/19/2025

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
ROSE STEVENS,
Plaintiff-Appellee,
UNPUBLISHED
November 19, 2025
8:46 AM
v No. 368595
Bay Circuit Court
ESTATE OF BRITTNEY HUNTER, LC No. 22-003205-NI
Defendant-Appellant,
and
KIMBERLY HUNTER and STATE FARM
MUTUAL AUTOMOBILE INSURANCE
COMPANY,
Defendants.
ROSE STEVENS,
Plaintiff-Appellee,
v No. 368596
Bay Circuit Court
KIMBERLY HUNTER, LC No. 22-003205-NI
Defendant-Appellant,
and
ESTATE OF BRITTNEY HUNTER, and STATE
FARM MUTUAL AUTOMOBILE INSURANCE
COMPANY,
Defendants.

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HOME-OWNERS INSURANCE COMPANY,
Plaintiff-Appellant,
v No. 368622
Bay Circuit Court
ROSE STEVENS, and STATE FARM MUTUAL
INSURANCE COMPANY,
LC No. 22-003394-CK
Defendants-Appellees,
and
KIMBERLY HUNTER, and KIMBERLY
LUBINSKI, as personal representative of the
ESTATE OF BRITTNEY HUNTER,
Defendants.
Before: GADOLA, C.J., and BOONSTRA and SWARTZLE, JJ.
PER CURIAM.
This matter consists of three consolidated cases. In Docket No. 368595, defendant, the
estate of Brittney Hunter, appeals by leave granted1 the trial court’s order denying its motion for
summary disposition. In Docket No. 368596, defendant, Kimberly Hunter, appeals by leave
granted2 the trial court’s order denying her motion for summary disposition.3 And in Docket No.
368622, plaintiff, Home-Owners Insurance Company, appeals by leave granted4 the trial court’s
order denying its motion for summary disposition. In Docket Nos. 368595 and 368596, we reverse
and remand for the entry of an order or orders granting Kimberly and the estate summary
disposition under MCR 2.116(C)(10). In Docket No. 368622, we affirm in part, reverse in part,
1 Stevens v Estate of Hunter, unpublished order of the Court of Appeals, entered April 17, 2024
(Docket No. 368595).
2 Stevens v Estate of Hunter, unpublished order of the Court of Appeals, entered April 17, 2024
(Docket No. 368596).
3 We will collectively refer to the appellants in Docket Nos. 368595 and 368596 as “defendants.”
Individually, we will refer to the estate of Brittney Hunter as “the estate” when discussing the
defendant in Docket No. 368595; we will refer to the estate’s decedent as “Brittney.” Because
they share surnames, we will refer to Kimberly Hunter individually as “Kimberly.”
4 Home-Owners Ins Co v Hunter, unpublished order of the Court of Appeals, entered June 12,
2024 (Docket No. 368622).

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and remand for entry of an order granting Home-Owners partial summary disposition under
MCR 2.116(C)(10).
I. PERTINENT FACTS AND PROCEDURAL HISTORY
These three appeals arise from the same incident. On March 20, 2021, plaintiff Rose
Stevens was struck by an automobile while she and her husband were walking across Broadway
Avenue in Bay City. Stevens was injured. The vehicle that struck her did not stop. Neither
Stevens nor her husband were able to identify or describe the vehicle that struck Stevens, and they
did not see the driver or any occupants of the vehicle.
Bay City Police Department officers investigated the hit-and-run; the investigation was
headed by Corporal Lynnette Pashak. Officers obtained surveillance video from the nearby home
of Zachary Bukowski showing a dark-colored Chevrolet HHR driving in the area where Stevens
was struck on the night of the hit-and-run; however, the video did not capture the actual collision
and the driver or occupants of the HHR were not visible. Officers also found car parts at the scene
of the collision; some of them were matched via internet search to parts for a Chevrolet HHR from
model years 2006 through 2011. The debris from the scene included pieces of a front headlight
and headlight assembly. A witness who was driving along Broadway Avenue observed a dark-
colored vehicle with a missing driver’s-side headlight driving very fast and making a squealing
noise; the witness described the vehicle as either a Chevrolet PT Cruiser or an HHR. Based on
this investigation, Corporal Pashak put out a “be on the lookout” (BOLO) notice to patrol officers
for a dark-colored HHR.
The same day the BOLO was issued, officers located a black 2007 Chevrolet HHR with
front-end driver’s side damage and a missing driver’s side headlight parked in a church parking
lot. Corporal Pashak stated in her deposition that the damage to the HHR was “consistent with the
vehicle parts collected from the scene.” Areas of the driver’s side that had been damaged had been
spray-painted black. Corporal Pashak impounded the HHR. HHR parts found at the scene were
matched to “voids” on the impounded HHR.
The HHR belonged to Kimberly and was insured by Home-Owners under a policy issued
to Kimberly. Mark Bryan, Kimberly’s adult son, told Corporal Pashak that “everyone drives that
car.” Corporal Pashak contacted Kimberly for an interview. Kimberly then retained counsel and
police made no further attempts to interview her.
Corporal Pashak testified that an officer investigating the case had received a tip that
Mitchell Huggard (also known as Mitchell Grzegorczyk) was driving Kimberly’s HHR that day.
When interviewed, Huggard denied driving the HHR that day and stated that Brittney had driven
the HHR in the past. Corporal Pashak attempted to interview Brittney while she was in the county
jail after having been arrested on unrelated charges; after being read her Miranda5 rights, Brittney
declined to speak with Corporal Pashak. Corporal Pashak requested arrest warrants for both
Huggard and Brittney, but these were denied by the prosecutor’s office.
5 Miranda v Arizona, 384 US 436; 86 S Ct 1602; 16 L Ed 2d 694 (1966).

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DNA taken from the steering wheel of the HHR indicated that there were multiple DNA
contributors, at least one of them male. Brittney was neither confirmed nor excluded as a
contributor to the DNA found on the steering wheel. Officers who searched the HHR found a
lottery ticket that had been scanned on a mobile application registered to Brittney. The ticket had
been scanned on March 20, 2021 at approximately 1:22 a.m., around twenty hours before the
collision.
At her deposition, Kimberly stated that Brittney “may have” occasionally driven the HHR
in 2021. She stated that she never allowed Huggard to borrow the HHR. Kimberly testified that
she would sometimes deny Brittney when she asked to borrow the HHR and that Brittney did not
have standing permission to borrow it; Kimberly “may have allowed her [to borrow the HHR] for
a certain thing or two, but not normally.” She said that Brittney was only allowed to drive the
HHR if Kimberly felt comfortable with her doing so. When asked if it was possible that Brittney
was driving the HHR on March 20, 2021, Kimberly responded “not that I know of,” and “I don’t
believe she was.” Kimberly stated that she had the keys to the HHR in her purse that night when
she went to bed on March 20th, and that the HHR was in the same spot in the church parking lot
when she woke up the next morning. Brittney never said anything to Kimberly about an accident
involving the HHR. Kimberly elaborated that Brittney did not have “free will” to use the HHR,
and that Brittney “couldn’t use it any time she wanted to.” After initially stating that she did not
believe she had given Brittney permission to use the car on March 20, 2021, Kimberly answered
“no” in response to the question “[I]f Brittney did have the HHR on March 20, 2021, would you
have given her permission to use the vehicle?”
Brittney died during the investigation into the hit-and-run. She was never deposed.
Corporal Pashak testified at her deposition that she never determined who was driving the HHR.
In 2023, Stevens filed suit against defendants, alleging that Brittney had negligently
operated a motor vehicle, causing her injuries, and that Kimberly was vicariously liable under the
owner’s liability statute, MCL 257.401. Defendants each moved for summary disposition under
MCR 2.116(C)(10). Both defendants argued that Stevens could not establish who was driving the
vehicle that struck her, or even that the HHR owned by Kimberly was the vehicle that struck
Stevens. Kimberly also argued that Stevens could not establish liability under the owner’s liability
statute.
After Stevens filed suit, Home-Owners filed a declaratory judgment action, alleging that it
was the insurer of Kimberly’s HHR and seeking a declaration that it had no duty to provide
coverage under the policy for two reasons: (1) that Kimberly had not given anyone permission to
drive the HHR on March 20, 2021 and (2) that Kimberly had not complied with the provisions of
the insurance policy pertaining to an insured’s responsibility to cooperate with its investigation.
Home-Owners subsequently moved for summary disposition under MCR 2.116(C)(10), arguing
that no genuine issue of material fact existed regarding either of its stated reasons to deny coverage.
The trial court held hearings on all three motions for summary disposition on the same day
in October 2023. The trial court denied all three motions. These appeals followed.

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II. STANDARD OF REVIEW
This Court reviews de novo a trial court’s decision on a motion for summary disposition.
Moser v Detroit, 284 Mich App 536, 538; 772 NW2d 823 (2009). Summary disposition is proper
under MCR 2.116(C)(10) if “there is no genuine issue as to any material fact, and the moving party
is entitled to judgment . . . as a matter of law.” “A genuine issue of material fact exists when the
record, giving the benefit of reasonable doubt to the opposing party, leaves open an issue upon
which reasonable minds might differ.” West v Gen Motors Corp, 469 Mich 177, 183; 665 NW2d
468 (2003). This Court must consider the affidavits, pleadings, depositions, admissions, and other
documentary evidence in the light most favorable to the nonmoving party. Liparoto Constr, Inc v
Gen Shale Brick, Inc, 284 Mich App 25, 29; 772 NW2d 801 (2009). All reasonable inferences are
to be drawn in favor of the nonmovant, Dextrom v Wexford County, 287 Mich App 406, 415; 789
NW2d 211 (2010). A genuine issue of material fact exists when the record, viewed in the light
most favorable to the opposing party, leaves open an issue upon which reasonable minds could
differ. Allison v AEW Capital Mgt, LLP, 481 Mich 419, 425; 751 NW2d 8 (2008).
III. DEFENDANTS’ MOTIONS FOR SUMMARY DISPOSITION
A. IDENTITY OF THE VEHICLE
Defendants argue that the trial court erred by not granting their motions for summary
disposition, because Stevens did not establish a genuine issue of material fact regarding whether
Kimberly’s vehicle was the one that struck Stevens. Although we ultimately agree that the trial
court erred by not granting defendants’ motions, on this specific issue we agree with the trial court
that a genuine issue of material fact existed regarding whether Kimberly’s HHR was the vehicle
that struck Stevens.
A motion for summary disposition under MCR 2.116(C)(10) tests the factual support for a
plaintiff’s claim. Skinner v Square D Co, 445 Mich 153, 161; 516 NW2d 475 (1994). To survive
summary disposition, a plaintiff must establish at least a genuine issue of material fact regarding
each of the elements of her claim. In this case, Stevens’s claims against Brittney and Kimberly
are based in negligence. In a negligence case, a plaintiff must establish “(1) a duty owed by the
defendant to the plaintiff, (2) a breach of that duty, (3) causation, and (4) damages.” Case v
Consumers Power Co, 463 Mich 1, 6; 615 NW2d 17 (2000). The issue of whether Kimberly’s
HHR struck Stevens is one of causation—Stevens must adequately establish that the vehicle was
the factual cause of Stevens’s injuries in order for legal causation to become a relevant issue.
Skinner, 445 Mich at 163. A plaintiff may not base a theory of causation on mere speculation and
conjecture; rather, the plaintiff’s evidence must permit a jury to “reasonably infer the existence of
a causal relationship between a defendant’s actions and a plaintiff’s injuries.” Id. at 165-167.
However, a plaintiff need not negate all other possible causes in order to survive summary
disposition; “[a]ll that is necessary is that the proof amount to a reasonable likelihood of probability
rather than a possibility.” Id. at 166 (citation omitted).
Viewed in the light most favorable to Stevens, Allison, 481 Mich at 425, Stevens has
established a genuine issue of material fact concerning whether Kimberly’s HHR was the vehicle
that struck her. Corporal Pashak testified at her deposition that car parts were found in the
immediate area. These parts were matched via internet search to parts for a Chevrolet HHR.

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Further, Corporal Pashak testified that the parts matched the front-end damage found on
Kimberly’s HHR when it was discovered and impounded three days after the accident. Corporal
Pashak also spoke to a witness who told her that he saw a dark-colored vehicle that was either a
PT Cruiser or an HHR, and that was missing a front headlight, near the scene of the accident on
the night it occurred. Kimberly testified at her deposition that her car had some front-end damage,
but she was unable to recall the exact nature or cause of that damage. Corporal Pashak testified at
her deposition that she believed, after her investigation, that the HHR owned by Kimberly was the
vehicle that struck Stevens. Although defendants point out that some evidence in the record
contradicts that conclusion, such as statements from witnesses who believed the vehicle involved
may have been a different make and model, Stevens was not required to negate all other theories
of causation or prove her own theory with absolute certainty. Skinner, 445 Mich at 165. And
conflicts in evidence should not be resolved on summary disposition. Barnes v 21st Century
Premier Ins Co, 334 Mich App 531, 540; 965 NW2d 121 (2020). A reasonable juror could
conclude from the record that Kimberly’s HHR was the vehicle that struck Stevens. Allison, 481
Mich at 425. Accordingly, the trial court did not err by not granting defendants’ motions for
summary disposition on this basis. Id.
B. IDENTITY OF THE DRIVER
Defendants argue that, even if there was a genuine issue of material fact regarding whether
Kimberly’s HHR struck Stevens, Stevens did not establish a genuine issue of material fact
regarding whether Brittney was driving the HHR at the time. We agree.
Stevens specifically alleged in her amended complaint that Brittney was the driver of the
HHR, and Stevens asserted that Kimberly was vicariously liable (under the owner’s liability
statute) for Brittney’s actions. Stevens’s claim against Kimberly is therefore premised and
dependent on Brittney being identified as the driver of the HHR. Consequently, this issue is
determinative both with respect to Stevens’ claim against the estate and against Stevens’s claim
against Kimberly.
None of the witnesses, including Stevens and her husband, could identify or describe the
driver of the vehicle that struck Stevens. Corporal Pashak testified that DNA from multiple
contributors was found on the steering wheel, with at least one of the contributors being male; but
there was no evidence presented that Brittney’s DNA was even among the contributors to the
sample. Kimberly testified that Brittney had used the car in the past, but that she had not given
Brittney permission to use the HHR whenever she wanted; Kimberly also testified that she did not
give Brittney permission to use the car that night. The only piece of evidence that even relates
Brittney to the HHR, other than Kimberly’s testimony that Brittney drove the HHR sometimes, is
the lottery ticket found in the car. Corporal Pashak testified that the ticket was scanned by a mobile
application linked to Brittney approximately 20 hours before the accident.
Stevens’s evidence in support of her claim that Brittney was driving the car amounts to no
more than speculation. It is certainly within the realm of possibility that Brittney was driving the
car, but it is at least equally possible that another person was driving it. At best, the lottery ticket
supports the inference that Brittney was in the car 20 hours before the accident—this evidence is
not only too attenuated to support a reasonable inference that Brittney was still in the car 20 hours
later, it provides absolutely no support for the inference that Brittney was driving the car at the

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time of the accident. Corporal Pashak testified at her deposition that although the investigation
had focused on Brittney and Huggard as potential drivers, she was unable to form a conclusion
regarding who was driving the car.6
The evidence at summary disposition was insufficient to establish a genuine issue of
material fact regarding whether Brittney was driving the HHR when it struck Stevens. Skinner,
445 Mich at 164-165 (“The mere possibility that a defendant’s negligence may have been the
cause, either theoretical or conjectural, of an accident is not sufficient to establish a causal link
between the two.”) (citation omitted). Accordingly, the trial court erred by not granting
defendants’ motions for summary disposition on this basis. Allison, 481 Mich at 425.7
IV. HOME-OWNERS’S MOTION FOR SUMMARY DISPOSITION
Home-Owners argues that the trial court erred by denying its motion for summary
disposition, and that it was entitled, as a matter of law, to a declaratory judgment of no coverage
under the policy. With regard to Home-Owners’s duty to indemnify its insured (Kimberly), we
agree. However, to the extent that Home-Owners argues that it also had no duty to defend
Kimberly, we conclude that Home-Owners has not established its entitlement to summary
disposition on that specific issue.
As we have held, the evidence at summary disposition was insufficient to establish a
genuine issue of material fact regarding whether Brittney was driving the HHR when it struck
Stevens. Because, for the reasons stated, this requires the granting of summary disposition to
6 Stevens also asserts that a fact-finder could reach an adverse inference (i.e., infer that Brittney’s
answers would have subjected her to criminal liability) from Brittney’s refusal to speak to Corporal
Pashak after being read her Miranda rights while incarcerated on an unrelated charge. See Philips
v Deihm, 213 Mich App 389, 400; 541 NW2d 566 (1995). However, Stevens cites no authority,
and we have found none, for the proposition that the mere fact that Brittney invoked her Fifth
Amendment rights when questioned by police regarding a potential crime establishes a genuine
issue of material fact concerning whether she was driving the vehicle involved in a hit-and-run.
The Fifth Amendment privilege permits an individual not to answer official questions in civil
proceedings as well as criminal, if “the answers might incriminate him in future criminal
proceedings”; however, a jury is permitted to draw an adverse inference against an individual in a
civil proceeding when “they refuse to testify in response to probative evidence offered against
them.” See Baxter v Palmigiano, 425 US 308, 318; 98 S Ct 1551; 47 L Ed 2d 810 (1976). Because
there was no probative evidence offered to show that Brittney was driving the HHR, we conclude
that Baxter and related cases are inapplicable here.
7 Because we hold that Stevens did not establish a genuine issue of material fact regarding whether
Brittney was driving Kimberly’s HHR at all, it follows that a genuine issue of material fact was
not established regarding whether Brittney was driving it with Kimberly’s permission. We
therefore need not address the parties’ arguments concerning the owner’s liability statute,
MCL 257.401, or its presumption of permission.

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Kimberly, Kimberly cannot be held liable under the owner’s liability statute and she is entitled to
summary disposition.
This necessarily also means that Kimberly (the insured) cannot “become legally
responsible” under the terms of the policy and, therefore, that there is no coverage under the policy
for which Home-Owners could be required to pay damages.8 Accordingly, Home-Owners is
entitled to a declaration of no coverage under the policy. For this reason, the trial court erred by
denying Home-Owner’s motion for summary disposition with respect to coverage under the
policy. Allison, 481 Mich at 425.
Home-Owners argued before the trial court, and argues on appeal, that it has no duty to
either indemnify or defend Kimberly under the policy. As discussed, we agree that Home-Owners
has no duty to indemnify in this case. However, an insurer’s duty to defend is broader than its
duty to indemnify. Citizens Ins Co v Secura Ins, 279 Mich App 69, 74; 755 NW2d 563 (2008).
An insurer has the duty to defend its insured “if the allegations of the underlying suit arguably fall
within the coverage of the policy.” Id. (quotation marks and citations omitted). The duty to defend
is not limited to meritorious suits, but extends to even groundless, false, or fraudulent suits, if there
are any theories of recovery that fall within the policy. Id. at 75.
In this case, as in Citizens, 279 Mich App at 75, the underlying complaint against Kimberly
alleged that she had given a family member permission to operate the vehicle that struck Stevens.
This is “a theory of liability that the [Home-Owners] policy arguably covers.” Id. at 75. Therefore,
the fact that we find Kimberly not ultimately liable does not relieve Home-Owners of its duty to
defend its insured. See Guerdon Indus, Inc v Fidelity & Cas Co of New York, 371 Mich 12, 18;
123 NW2d 143 (1963).
We must still consider, however, Home-Owners’s argument that Kimberly failed to
perform her duties under the policy in response to a loss or claim, insofar as that argument might
impact Home-Owners’s duty to defend. In denying Home-Owners’s motion for summary
disposition, the trial court noted that Kimberly had provided at least some cooperation with Home-
Owners’s investigation. We agree with the trial court that Home-Owners is not entitled to
judgment as a matter of law concerning Kimberly’s’ alleged breach of the insurance policy.
An insurance policy may provide specific duties for an insured in order to receive coverage
after a loss or a claim. See Allen v Michigan Basic Prop Ins Co, 249 Mich App 66, 73; 640 NW2d
903 (2001). An insured’s “wilful noncompliance” with these duties can result in the dismissal of
their case against an insurer who has denied coverage. Id. at 75; see also Brogdon v Am Auto Ins
Co, 290 Mich 130, 135, 137; 287 NW2d 406 (1939). “Wilful noncompliance” in this context
refers to an insured’s failure to “cooperate with an insurer in regard to contractual provisions
allowing an insurer to investigate a claim that is part of a deliberate effort to withhold material
8 Kimberly’s insurance policy with Home-Owners provided: “We will pay damages [in specified
circumstances] for bodily injury and property damage for which you become legally responsible
because of or arising out of the ownership, maintenance or use of your automobile . . . as an
automobile.” (Emphasis added).

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information or a pattern of noncooperation with the insurer.” Id. at 73 (citation omitted) (emphasis
in original).
In this case, Home-Owners’s policy of insurance requires, in relevant part, that Kimberly
notify Home-Owners promptly if any claim or suit is brought against her, and cooperate with
Home-Owners in “the investigation, settlement, or defense of any claim or suit” including
“submitting to a statement under oath” and providing documents on request. Home-Owners
acknowledges that Kimberly contacted it when she received notice of the suit against her.
However, it argued before the trial court that Kimberly did not cooperate with the investigation of
the suit against her. Home-Owners points out that Kimberly never responded to several letters
requesting information sent to her after a claim was made by Stevens under the policy. At her
deposition, Kimberly denied ever refusing to cooperate with Home-Owners’s investigation into
whether her HHR was involved in the collision that injured Stevens. Kimberly did recall receiving
correspondence from her insurance company, and attempting to cooperate with Home-Owners’s
requests:
Q. Your insurance company at the time on the HHR, do you remember
getting any correspondence from that all?
A. Yes.
Q. Do you recall what that correspondence was about?
A. There was so much, tons of paperwork. I, I couldn’t even tell you exactly
what. They asked me some questions about Britt and Mitch.
Q. Did they ask you this by phone, in person, by letter?
A. Both. Not in person.
Q. Okay. Did you—so you actually spoke to someone on the phone?
A. I believe I did at one time.
Q. And this would have been someone you believe that was a representative
of your insurance company?
A. Yes.
Q. Okay, did it reach a point though with anything that was going on that
you became overwhelmed, like just it was too much to deal with?
A. I probably did.
Kimberly testified that she is a diabetic and that, during the period when the collision was
being investigated, she was also trying to help Brittney with the drug addiction that ultimately
resulted in her death. She testified that she believed that she had responded to correspondence
from Home-Owners, but stated that she was unsure if she could provide a copy of that response:

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“I don’t know. There’s so much paperwork that I really don’t know what’s there.” Home-Owners
attached to its motion for summary disposition an affidavit from a claims adjuster stating that
Kimberly did not respond to three letters requesting information sent in May, June, and July of
2021, and that Kimberly subsequently contacted Home-Owners to report that she was being sued.
Home-Owners also points out that a default was entered against Kimberly in the declaratory action.
While there is evidence that Kimberly did not answer correspondence from Home-Owners,
there is also evidence that she spoke with representatives of Home-Owners on the phone, and
contacted Home-Owners when she received notice of a lawsuit. She also testified in a deposition.
Although a default was entered against her in the declaratory action, it seems clear from the record
that Kimberly subsequently participated in the litigation, notwithstanding that the default does not
appear to have been formally set aside. On this record, we hold that there was at least a genuine
issue of material fact regarding whether Kimberly engaged in the sort of “wilful noncompliance”
that can permit an insurer to disclaim coverage. See Allen, 249 Mich App at 73. Accordingly, we
affirm the trial court’s denial of this aspect of Home-Owners’s motion for summary disposition.
Because our reversal of the trial court regarding Home-Owners’s duty to provide coverage
under the policy does not relieve Home-Owners of its duty to defend its insured, and because
Home-Owners has not otherwise established that it has no duty to defend Kimberly, we reverse
the trial court denial of summary disposition on the issue of coverage, but affirm the trial court’s
denial of summary disposition regarding Home-Owners’s duty to defend.9
V. CONCLUSION
In Docket Nos. 368595 and 368596, we hold that the trial court erred by denying the
defendants’ motions for summary disposition, and we accordingly reverse and remand for the entry
of an order or orders granting Kimberly and the estate summary disposition under
MCR 2.116(C)(10). In Docket No. 368622, we reverse the portion of the trial court’s order
denying Home-Owners’s motion for summary disposition regarding its duty to indemnify its
insured, but affirm the trial court’s denial of summary disposition regarding Home-Owners’s duty
to defend its insured; we accordingly affirm in part, reverse in part, and remand for entry of an
order granting Home-Owners partial summary disposition under MCR 2.116(C)(10), consistent
with this opinion.
Affirmed in part, reversed in part, and remanded for the entry of orders granting summary
disposition and partial summary disposition as stated. We do not retain jurisdiction.
/s/ Michael F. Gadola
/s/ Mark T. Boonstra
/s/ Brock A. Swartzle
9 We note that we do not hold that Home-Owners’s duty to defend has been established as a matter
of law; we only hold that the lack of such a duty has not been established as a matter of law. See
MCR 2.116(I)(1), (2).

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