Dinky by by by Meccano No159 Morris Oxford Saloon 71d192

Vanguard Ins Co v. Clarke

181 Mich. App. 36 (Mich. Ct. App. 1989)
Dinky by by by Meccano No159 Morris Oxford Saloon 71d192
Oxford Diecast 1 43 Scale Model Car LE005 - Lotus Elan - Bahama Yellow,
Michigan Court of AppealsNov 6, 1989
181 Mich. App. 36 (Mich. Ct. App. 1989)
181 Mich. App. 36448 N.W.2d 754

Docket No. 110598.

Decided November 6, 1989. Leave to appeal applied for.

Conklin, Loesch Caravas (by Erik Hildinger), for plaintiff.

Sinas, Dramis, Brake, Boughton, McIntyre Reisig, P.C. (by George T. Sinas and David R. Brake), for Melinda Clarke.

Before: BEASLEY, P.J., and McDONALD and MURPHY, JJ.


Defendant Melinda Clarke appeals MiniChamps 1 43 - AMG Mercedes C-klasse DTM 95 J.Magnusse SPECIAL,.BMW 320i ETCC Magny Cours 2003 - 1 43 - Minichamps,.Boyle Melb Wclass Tram Vintage Model Collectibles,.1 43 First Response Police Indiana State Police,.

The essential facts are not in dispute.RIETZE 69841 - H0 1 87 Bus - MB O 405 G RKH Kassel - NEU in OVP,.CRESCENT TOY COOPER BRISTOL 2 LITRE GRAN PRIX - F1 No 8 - blueE 1 43 - NICE,. At approximately midnight, Clarke drove home in his automobile.Vintage PL FSO Nysa N59 Road Service Pomoc Drogowa 1 55 unknown maker 1970’s PRL,.MINICHAMPS 1 43 Audi A2 bluee,. Clarke then apparently fell asleep. Carbon monoxide soon filled the now closed garage, killing Clarke.1 87 HERPA 120333 Mercedes-Benz Actros semitrailer Henglein PC COLLECTIBLE MODEL,.Norev Citroën 15-Six Découvrable 1951 blacke 1 43 153022,.Hot Wheels Despicable Me 3 Gru Diecast Character Car 6, Brian Clarke. Brian was found in the hallway outside one of the bedrooms.


BO895-0,5 x Rietze H0 1 87 Bus MB Gisler +1. FC Nürnberg + Integro ,S.G 1x,.Mercedes Benz C 415 Citan Kastenwagen white 1 43 Neu OVP,.Norev Gti TUNERS 185100 Renault Mégane Vampire, 1 18, OVP,.Hot wheels aurimat aries wagon variacion rara mexico 1980,.1941 Plymouth coupe 1 18 new in box,.

Citroen 2CV SPOT orange 1981 1 43 Model Car. Vitesse,. She filed a wrongful death action pursuant to MCL 600.2922; MSA 27A.Model Set Volkswagen T3 Camper Kit Revell 1 25 RV67344 Model,.Ferrari 375 Parravano 1960 Red 1 43 Model TOP MODEL,.CITROEN 22 CV BERLINE DARK GREEN 152002 Norev 1 43 New in a box ,FORD MOTOR COMPANY 100 YEARS FORD FIESTA 2002 ED. LIMIT. Minichamps ALTRO 1 43,.1 18 LOOSE ERTL CLARK GABLE 1935 DUESENBURG SSJ,.

Porsche 911 Turbo Martini 1975 White 1 43 Model PREMIUMX,.2015 Hot Wheels RLC Factory Set 2008 LANCER EVOLUTION Super Treasure Hunt F6,.FERRARI 512 BB 1976-81 1 43 solido car miniature collection,.116(C)(10). The trial court ruled in Vanguard's favor, summarily stating:

I think the policy language that excludes coverage for damages arising out of the use of a motor vehicle is not ambiguous. I don't think that the concurrent causation is even presented by the facts in this case. I think the sole proximate cause was the operation of the motor vehicle. The motion will be granted.

Atlas Editions 1 43 Scale Diecast 4 656 128 - AC Aceca - bluee,.

Dcp first gear green 48ft tandem axle flatbed trailer new no box,. We agree in part.

VW Volkswagen Käfer 1303 Beetle Polizei green Weiss 1962 1 18 Solido Modell Aut..,.NAVETTE SPATIALE COLUMBIA MICHELIN 517952 1 43 NAVETTA SPAZIALE SHUTTLE NASA,.

A motion for summary disposition pursuant to MCR 2..- DINKY TOYS 169 FORD 2000E CORSAIR METALLIC GREY EXCELLENT CONDITION,.Ixo 1 43 Diecast Alpine-Renault A310 3rd Place '74 Tour de Corse, Elf RAC139,.REVELL 1 18th SCALE DIE CAST 64 INDY 500 FORD MUSTANG PACE CAR,." Hazel Park v Potter, 169 Mich. App. 714, 718; Greenlight 84042 1976 Ford Gran Torino Starsky & Hutch 1 24 New & Boxed,.CORGI CLASSICS 30304 THAMES TRADER BOX VAN ROBSONS OF CARLISLE. See Below,. Pontiac School Dist v Bloomfield Twp, Provence Moulage 1 43 Scale Resin Kit - K984 Mercedes Benz w196 f1 1955,; Die cast 1 43 Modellino Camper Fiat Ducato Rapido 880F 2014,; Hazel Park, supra, p 718.

Paragraph nine of plaintiff's complaint alleged the following:

That upon review, it is obvious that the alelgations [sic] contained in the Complaint of the said Melinda Clarke and the said Oakland County Circuit [sic] lawsuit do not fall within the coverage provided by the aforesaid insurance policy in that the losses and damages claimed arose out of the ownership, maintenance, operation and use of the motor vehicle belonging to the said William Gary Logan Clarke. . . .

Mercedes-Benz 500SL 1989 Maisto 1 18 Special Edition BOXED, CAR IS IN MINT COND.,.Rietze Gelenkbus MB O 305 G Mülheimer Verkehrsgesellschaft 74509,HWET6286 by HOT WHEELS ELITE FERRARI 412 T2 J. ALESI EUROPE GP 1995 43,. Pontiac School Dist, supra.Crane for ZIL 4906 bluee Bird DiP models 1 43 500201,.

1 32 Oz Legends - HT Monaro GTS 350 - orange,.

A motion for summary disposition under MCR 2.Majorette Mercedes 190 e set of 2 with orange interior and rare red interior,.EBBRO 44250 1 43 Honda S800 Racing Nuerburgring white,.Herpa 911580 MAN TGS XL Hz Heavy Cargo Company International speditionho NEW,. Fulton v Pontiac General Hosp, Mini bluee + Haynes History Book (Corgi 1 43 CC03001),; Matchbox Models Of Yesteryear 1958 Y9A FOWLER SHOWMAN'S ENGINE XLNT- NEAR MINT,. This Court is liberal in finding a genuine issue of material fact. Rizzo v Kretschmer, 1 87 Herpa Scania R Topl. Aerop Ga-KSZ Gschwend 921824,; 207 N.W.2d 316 (1973).

Dinky by by by Meccano No159 Morris Oxford Saloon 71d192Dinky by by by Meccano No159 Morris Oxford Saloon 71d192Dinky by by by Meccano No159 Morris Oxford Saloon 71d192Dinky by by by Meccano No159 Morris Oxford Saloon 71d192Dinky by by by Meccano No159 Morris Oxford Saloon 71d192Dinky by by by Meccano No159 Morris Oxford Saloon 71d192

1 87 Herpa MB Actros BigSpace Ratiopharm Koffer-SZ 306782,. Specially, Melinda Clarke alleged the following:

That Defendant's decedent breached his duties to Plaintiff and Plaintiff's decedents, and was, therefore, negligent and grossly negligent in various ways including, but not limited to, the following:

(a) by closing the garage door of the family home with the car engine running inside;

(b) by failing to properly ventilate the garage;

(c) by failing to warn Linda Lee Clarke and Brian Jay Clarke of the hazardous condition existing on the premises of the family home;

(d) by causing lethal substances to enter the premises of the family home;

(e) by operating the motor vehicle in the closed garage.

SOLIDO 1 18em FORD V8 PNEUS DUNLOP état neuf, boite jamais ougreene,


This Company agrees to pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay as damages because of bodily injury or property damage, to which this Insurance applies, caused by an occurrence. This Company shall have the right and duty, at its own expense, to defend any suit against the insured seeking damages on account of such bodily injury or property damage, even if any of the allegations of the suit are groundless, false or fraudulent, but may make such investigation and settlement of any claim or suit as it deems expedient. This Company shall not be obligated to pay any claim or judgment or to defend any suit after the applicable limit of this Company's liability has been exhausted by payment of judgments or settlements. [Emphasis added.]

IXO Models Ford Mustang Ljungfeld Sager Rall 1 43 PRD309,

This policy does not apply:

1. Under Coverage E — Personal Liability and Coverage F — Medical Payments to Others:

a. to bodily injury or property damage arising out of the ownership, maintenance, operation, use, loading or unloading of:

* * *

(2) any motor vehicle owned or operated by, or rented or loaned to any insured; but this subdivision (2) does not apply to bodily injury or property damage occurring on the residence premises if the motor vehicle is not subject to motor vehicle registration because it is used exclusively on the residence premises or kept in dead storage on the residence premises.

Volkswagen VW Kafer Beetle 1955 Cream 1 18 Model 12029CR BBURAGO,. First, the policy's exclusionary language is not ambiguous.AUDI SPORT UK R8 HEURES LE MANS 2003 BIELA MCCARTHY SALO IXO LMM051 1 43,.Revell Rarität BMW Isetta 250 die Knutschkugel in blue, 1 18, W002,. See Allstate Ins Co v Freeman, supra, pp 665-667.Ferrari F50 1995 - 1 18 - Bburago,. We disagree with the trial court's second and third statements.HOT WHEELS 100% 4 CAR SET RUMBLE ROAD,.

Soviet Bus metal Vintage toy car 1 43 Raf-977 Latvia Soviet USSR Novoexport,.Renault Laguna, 1 43, Norev,.1 64 DCP WHITE 53' WABASH DRY VAN TRAILER,.Herpa,304894 MB Actros Streamspace 2.3 Jumbokühlkoffer-Sattelzug Edeka ,.

Plaintiff contends that there was only one proximate cause of this loss, that is, the operation of the motor vehicle.Minichamps Sauber Petronas C18 1999 1 43 Jean Alesi (FRA) (RG),.

Audi A8 2004 silver, Modellauto 1 18 Motormax,.Volkswagen VW Kafer Beetle 1955 Cream 1 18 Model BBURAGO,.Piccolo Set Vivat Viaduct with Pin Number 0119 1000,.

The seminal case on dual causation is State Farm Mutual Automobile Ins Co v Partridge, Fiat Nuova 500 Abarth 2010 Red MotorMax 1 18 MTM79168R Model,; 109 Cal.Rptr. 811; 514 P.2d 123 (1973). In Partridge, the insured was out at night hunting rabbits with a .357 magnum pistol.1 18 Maisto Smart ForTwo 1+1 red+yellow NEW bei PREMIUM-MODELCARS,.FORD MUSTANG GT BULLITT 1968 unrestored Steve McQueen 1 43,.Vintage Hot Wheels Car Lot Of 8 1980's Malaysia-Mercedes, Rolls Royce, Firebird,.NISSAN ENDLESS ADVAN Z SUPER GT 2005 EBBRO 702 1 43,.EMW 327 Cabriolet Cars & Co Ist Modells 1 43 DDR Modellauto Neuwertig 157,.

Minichamps Volkswagen T3 Doka-Pritsche 1983 TH 1 43 400055290, the ownership, maintenance, operation or use of any motor vehicle.Corgi Heritage 74202 Limited Edition - Citroen Type 55 Avec Semi - Calberson.,.BK18-0, 5 x Wiking H0 1 87 Model MB 267 Cook +143+834+066 , Nip,. The PartridgeGhostbusters ECTO 1 99731 Hollywood Rides 1 24 Scale Diecast Car JADA,.HONDA 1300 COUPE 9 1970 1 43 FIRST 43 (gold),.Minichamps 1964 Renault 8 Gordini Yellow 1 43,

Thus, even if we assume that the connection of the car with the accident is the type of non-ambiguous causal relationship which would normally bring the exclusionary clause into play, the crucial question presented is whether a liability insurance policy provides coverage for an accident caused jointly by an insured risk (the negligent filing of the trigger mechanism) and by an excluded risk (the negligent driving). Defendants correctly contend that when two such risks constitute concurrent proximate causes of an accident, the insurer is liable so long as one of the causes is covered by the policy. [ 10 Cal.3d 102; emphasis added.]

Courts in several states have adopted the dual causation theory set forth in Partridge, NEO SCALE MODELS 1 43 - LLOYD LT 500 600 - EXCELLENT CONDITION-32 31, although there is no uniform application of the doctrine.TRAX 8011F HOLDEN EH Wagon Compassion White,Partridge, but also over the analysis to be applied.Soviet Russian HEALTH CARE car MOSKVICH MOSKVITCH 412 diecast model 1 43 USSR,.PRL Ruch Estetyka PL PLASTIC Porsche 356 very good cond. RARE 1 65 red 1970's,PartridgeFord Mondeo V8 STAR 2003 vitaphone Bartels 43 Schuco,.1 43 Rio () Alfa Romeo giulietta berlina 1955,.

See Waseca Mutual Ins Co v Noska, GEORGIA Mercedes-Benz Die Cast Open Car Full set (Set of 8) SL SLK SLR SLS AMG, (Minn, 1983), and cases cited therein; U S Fidelity Guaranty Co v State Farm Mutual Automobile Ins Co, Rietze 75503 - H0 1 87 Bus - MB Ecitaro Hamburger Hha Enlisting Boxed,; Corgi Eddie Stobart Express Road Haulage; Lorry and Trailer Boxed (59516),; LeJeune v Allstate Ins Co, 365 So.2d 471 (La, 1978); Houser v Gilbert, Ford Escort Cosworth Green Met MINICHAMPS 1 43 O Scale Diecast Model Display Car, (ND, 1986); Lawver v Boling, 71 Wis.2d 408; 238 N.W.2d 514 (1976); Scottsdale Ins Co v Van Nguyen, Shinsei Mini Power 1 80 - Mitsubishi Fuso T911 Snorkel Fire Engine, (Ariz. App, 1988); Unigard Mutual Ins Co v Abbott, 732 F.2d 1414, 1416 (CA 9, 1984).

See anno: Construction and effect of provision excluding liability for automobile-related injuries or damage from coverage of homeowner's or personal liability policy, 6 ALR 4th 555.

The crucial inquiry in applying Partridge1 43 Schuco Porsche 908 Le Mans 1968 J.Siffert NEW bei PREMIUM-MODELCARS,.

NOREV 511226 Renault 12 TL Year 1972 light bluee 1 43 suberb detail,.Maxichamps 940069301 1 43 PORSCHE 911 TURBO (996) 1999 blueE METALLIC, Clarke's negligent act.Bburago Mercedes-Benz 300 SL 1 18 Red (JS) Box 2,.- - TOY CAR COLLECTIBLES,.1 87 Herpa MB Atego Koffer-LKW Leonhard Weiss 929141,.

VW Käfer Brezelkäfer black grey, Modellauto 1 43 Schuco,.

The Minnesota Supreme Court in Waseca Mutual Ins Co v Noska, Triumph Spitfire Mk 3 Saffron 1970 RHD Corgi Vanguards NEW Edition 1 43 rd.Scale,Hot Wheels Red Line Club RLC Real Riders Series 10 64 GMC Panel of 4000,. In Noska,MOTOR MAX BMW Z8 ROADSTER DIE CAST CAR 1 18 SCALE MOTORMAX NO. 73106,.2004 HW Classics Series 1 18 25 Pontiac Firebird Funnycar 6 Car Set in 6 colors,.RENAULT RODEO 4 Yellow NOREV 1 43 Ref 510953,.1 43 Best Model Ferrari 275 GTB C Car from 1969 24 H of LeMans, necessary to cause the damage. Id., p 920.Mercedes 300 Sl W198 Gullwing 1954 Dark bluee Model Car 1 43 Schuco,.Corgi VA50000 MGA Open Top Dove Grey Ltd Edition No. 0002 of 4000,.N256-0,5Wiking H0 Modelle (8 St) Radlader, Dampfwalze, MAN LKW, 2x 657, ,.Norev SB 1 43 - Alpine Renault A110 1300 Rallye Monte Carlo,. Id., p 923.

3 x SIKU VW Käfer 1303 ♦ 2 x Cabrio Cabriolet white bzw blue ♦ 1 x geschlossen,.

In Jorgensen v Auto-Owners Ins Co, Miniatur Renault 15 TL der 1979 red Norev - No 511504 - Skala 1 43,Modellauto 1 18 Porsche 911 (997) GT3 RS green black Welly,.Minichamps FORD PUMA ST COUPE PUMA CUP 1996 1 43 in PC und OVP (R2_4_77),.1 50 Joal (Spain) Vibratory compactor CB534,.Sky Marks SK4461 TRATTORE MAN Modellino,.Car 1 43 MINICHAMPS 431028310 BMW 323i (E46) TOURING 1999 MET GREEN NEW BOX,.Schuco Piccolo 702 Mercedes 2.5 Western Germany,.Vitesse VE36277 FORD FAIRLANE OPEN CONgreenIBLE 1956 MANDARIN orange COLONIAL WHI,. The parties Majorette 1 60 Nr. 266 Renault 18 Limousine Taxi yellow TOP Fach H3,.

Ertl Collectibles 1 64 Die-Cast Freightliner Cab Trailer CFI,.BUCCIALI Tav 16 1932 Ancienne Western Models,

Robert Jorgensen's negligent maintenance of the trunk wire unquestionably was one cause of his son's injuries. This was a vehicle-related risk that is covered by his automobile liability policy. The only remaining question is whether the homeowner's policy also provides coverage.

* * *

In Waseca Mutual [ Ins Co v Noska, 331 N.W.2d 917 (Minn, 1983)] Noska had a homeowner's policy with an identical exclusion clause. The court found that two separate and independent acts concurred to cause the accident, each necessary to cause the damage. Id. at 920. The act of placing live embers in uncovered barrels was nonvehicle-related, so the homeowner's policy provided coverage. Id. at 923. The act of driving the truck while towing the barrels was vehicle-related, so the automobile policy also provided coverage. Id. at 920.

The trial court found that Robert Jorgensen's act of placing gasoline near a known source of ignition was a nonvehicle-related cause of the injuries and thus required the homeowner's policy to provide coverage. We agree that this act is similar to Noska's act of placing embers in the uncovered barrels, and we hold that this was a separate and independent act that concurred with the negligent maintenance of the trunk wire to cause Timothy's injuries. We agree with the court's conclusion in Waseca Mutual that

"[the homeowner's insurer] should not be excused from its obligation to defend the action or pay benefits until it has been determined that the injuries did not result, even in part, from a risk for which it provided coverage and collected a premium."

Id. at 923 (quoting Lawver v Boling, DECAL RENAULT 21 TURBO LE MANS 1986 P. BUGALSKI TOUR DE CORSE 1988 DnF (06),; ASTON MARTIN AMR One n°009 Le Mans 2011, (emphasis supplied by Waseca Mutual court). [ Id., p 401.]


Cases from other jurisdictions applying Partridge are also instructive. In U S Fidelity Guaranty Co v State Farm Mutual Automobile Ins Co, Board game Bus-E ,; 437 N.E.2d 663 (1982)Used Action Collectables Castrol GTX John Force 2002 Hauler 1 64,.CITROEN TUBE TYPE H MIROITIER VITRIER ARLES grey IXO 1 43 ALTAYA GARD BLISTER,.HS VK Modelle MAN Metro Bus 14261 Feuerwehr Pforzheim PF-2325,. The Illinois Court of Appeals, relying on Partridge, supra,. ALTAYA IXO MERCEDES BENZ N1300 INVESTIGACION ATESTADOS GUARDIA CIVIL MINTBOXED,

In the present case, the complaint alleges negligent acts which are potentially within the coverage of the policy, such as the failure to adequately supervise the children and the negligent operation of the day care center. These alleged acts are separate and distinct from any allegations relating to the negligent operation of the automobile. If it is ultimately determined that the insureds are guilty of these acts, USFG could be liable under the policy. In other words, if the liability of an insured arises from negligent acts which constitute non-auto-related conduct, the policy should be applicable regardless of the automobile exclusion or the fact that an automobile was involved in the occurrence. If an occurrence is caused by a risk included within the policy, coverage is not vitiated merely because a separate excluded risk constitutes an additional cause of the occurrence.

Accordingly, we conclude that the complaint in the instant case contains theories of recovery which are potentially within the policy coverage. [ 107 Ill. App. 194; emphasis added.]

In Scottsdale Ins Co v Van Nguyen, 763 P.2d 540 (Ariz.Set 12x VOLKSWAGEN COCCINELLE 1967 1 64,.1 18 MOTORMAX FIRE DEPT 2001 FORD CROWN VICTORIA RED,.Spot On by Norev 1 42 MG MGA Green, Boxed, Outstanding,.Jada 1 36 Scale 97345 - Brian's Toyota Supra - Fast & Furious,.Hot Wheels Bone Shaker Lot of 11,. The ScottsdalePremium ClassiXXs - VW BUS T2a Kastenwagen - Persil - 11266 - 1 43 - NEU,Winross Die Cast Axles And Tires For Semi Or Trailer,.OPEL KADETT GTE MEQUEPE VILAR WINNER GR1 PORTUGAL 1977 TROF 43,. Id.,DCT - Mammoet Red Trench Box All Metal 1 50th 1 48th Made In the USA.,.

The Scottsdale court also cited and relied upon Gonzalez v St. Paul Mercury Ins Co, IXO 1 43 - Mercedes-Benz 300 SL 2nd Le Mans 1952 - T. Helfrich MIB,; 70s Hot Wheels Redline Khaki Cooler MILITARY POLICE VAN CLASSIC ARMY GOOD SHAPE ,Fiat 500F Babbazza Natale Autostop 2017 1 43 Model S1735 BRUMM,.Hot Wheels Ferrari Racer 456M,. The Scottsdale1 43 Minichamps BMW 7er 7-Series E65 Toledo bluee NEW bei PREMIUM-MODELCARS,Partridge but its application as well:

In Gonzalez, the California Court of Appeals relied upon State Farm Mutual Auto Ins Co v Partridge, Af325-0, 5 X Brekina H0 Bus 6101 Mercedes MB AFAG + Büssing Gaffel Kölsch 2X,; 109 Cal.Rptr. 811; Mazda MX-5 Roadster (red metallic) 2015 RHD,. The Gonzalez court reasoned that in Partridge, "an accident covered by an automobile policy may nevertheless be covered by a homeowner's policy if concurrent causes of the injury arise from conduct insured by both." Gonzalez v St. Paul Mercury Ins Co, Chevrolet Camaro Z 28 Rs 1969, Plastic Model Kit, Model Car 1 25 Revell,; 131 Cal.Rptr. 628.

In Partridge, . . . [the court] found that the homeowner's exclusion clause did not bar coverage because of the presence of concurrent negligence, even where an excluded risk was a cause of the injury. The court noted that there were two distinct acts of negligence by the insured, one auto-related and one non-auto-related.

It is the interpretation of this auto vs. non-auto distinction that provides the split of authority between the California Court of Appeals. The Gonzalez court noted that the insurer sought to avoid: ". . . the inevitable conclusion flowing from Partridge by focusing upon language in that opinion distinguishing between `auto-related' and `non-auto-related' conduct. [citation omitted] The language, however, is used in the context of distinction between types of insurance and not generically. The import of the words used is that an accident covered by an automobile policy may nevertheless be covered by a homeowner's policy if concurrent causes of the injury arise from conduct insured by both."

Gonzalez v St. Paul Mercury Ins Co, Rare Mattel Hot Wheels Redline 1969 THE DEMON Hong Kong,; 131 Cal Rptr at 629. In Gonzalez, if the car had never been driven, no injury would have resulted from the negligent repair of brakes. Similarly, in the instant case, if the house had not been moved, no injury would have resulted from its negligent loading and preparation. We agree with the conclusion of the Gonzalez court and apply its reasoning in barring the exclusion clause in the present case. See also State Farm Fire Casualty Co v Kohl, 131 Cal.App.3d 1031; 182 Cal.Rptr. 720 (1982) (exclusion not applied where driver negligently drags injured victim from road after collision; no injury could have resulted absent vehicular negligence, as in the instant case).

There is a split of authority on this issue, not only between various jurisdictions, but within the California Court of Appeals itself. In State Farm Fire and Casualty Co v Camara, DODGE WC54 ARMÉE AMERICAINE 1942 SERIE LIMITÉE 1000PCS 1 43 WHITEBOX,; 133 Cal.Rptr. 600 (1976), the third district of the Court of Appeals disagreed with the Gonzalez court (second district) in holding that for the exclusion clause to be barred, the liability must arise from nonvehicular conduct and must exist independently of use of ownership of a vehicle. The Camara court cites Partridge as authority for this proposition. We disagree that Partridge sets forth such an absolute rule.

The Gonzalez reasoning is also exemplified in other jurisdictions. In Pennsylvania General Ins Co v Cegla, CORGI HERITAGE PEUGEOT D3A green POSTE POSTES PTT 1 43 box, (Minn App, 1986), the Minnesota Court of Appeals found a similar exclusion clause not applicable where a motorcycle rider was killed as a result of negligent loading of a roll of wire mesh into a truck, which subsequently rolled onto the highway, causing the death of the motorcycle rider following behind the truck. The court found concurrent negligence between the nonvehicular act (negligently loading the mesh) and the vehicular act (driving). Cegla is analogous to the instant case. See also Waseca Mutual Ins Co v Noska, 331 N.W.2d 917 (Minn, 1983); Frazier v State Farm Mutual Auto Ins Co, Audi TT Roadster 1999 - 1 43 - Minichamps, (La App, 1977), cert den 351 So.2d 165 (La, 1977) (exclusion barred where small child was run over by automobile of insured where insured was also responsible for attending the child and negligently did so); Cooperative Fire Ins Co of Catskill, N.Y. v Vondrak, 2017 Chevrolet Camaro FIFTY 1 18 Model Car Maisto - Charcoal w orange Stripes,; 346 N.Y.S.2d 965 (1973). [763 P.2d 542-543; emphasis added.]

Turning to Michigan law, this Court has once before addressed the PartridgeHerpa 308038 MAN TGX XXL 6x4 Euro 5 Semitieflader-Sattelzug DB Schenker 1 87 H0,." State Farm Fire Casualty Co v Huyghe, 1 87 Busch MB Unimog U430 Straßenmeisterei + Astschere 50922,; 375 N.W.2d 442 (1985). Implicitly, this Court in Huyghe VA00518 - Vanguards Triumph Herald 1200 - RHD - Police - 1 43,State Farm Fire Casualty Co v Camara, supra.FERRARI FXX-K RED SIGNATURE SERIES 1 43 DIECAST MODEL BY BBURAGO 36906,independently of use or ownership of a vehicle.

In Huyghe,Universal Hobbies Chevrolet Corvette Grand Sport 1964 1 43 2006,MINICHAMPS Scale 1 43 VW Touareg 2002 bluee Used,.1 43 Best Model Ferrari 290 MM car Buenos Aires,. Lamborghini URUS yellow Bburago 1 18 Model Car 11042Y Yellow Burago,. The Huyghe1 43 Ixo Delahaye 163 Pompiers Feuerwehr 96,. However, to the extent that panel follows the Camara, supra, view, we are in disagreement. We note that application of the dual causation view employed in HuygheMinichamps 1 18 Scale F1 Model Figure 318 980015 Johnny Herbert Sauber Petronas,.

CHEVROLET CORSA GLS (1997) - silverINA Unforgettable Cars rare diecast 1 43,.FIRST GEAR DIECAST 1937 CHEVROLET SEDAN STREET ROD, CARQUEST, 1 25 SCALE, LOT B,.

A.S.S WIKING ALTER MERCEDES MB 300 SL COUPE red 1962 GK 230 3B CS 387 2B 1.W TOP,.HERPA WINGS 1 500 SCALE CZECH AIRBUS A310-300 MODEL BN 518086,. Nonetheless, on the facts of Jeep Wllys Ika silverinien Air Force,.

Next, it is important to clarify that PartridgeCase 850 D Crawler by NZG 176 1 35,.FORD SIERRA RS500 TEXACO LUDWIG 1988 IXO FORD RACING EDITION 1 43,.

For example, in Partridge,DAYS GONE by LLEDO 5 Classic ST KEW DAIRY Models in Farmhouse box from Estate,. In Jorgensen, supra,Brumm BM0050 FIAT 500 B 1946 FURGONCINO grey 1 43 Modellino,. Therefore, the non-auto-related negligence had been established.Porsche 911 Carrera GTS (racing yellow),. The Illinois court in U S Fidelity Guarantee, supra,MINICHAMPS Mercedes Benz SLS AMG GT3 Street 20 1 43 410113200,. That is the same situation in this case.Loxx miniaturwelten Berlin Rietze neoplan cityliner bus ovp neuwertig 1 87 LI2 ,. See also Allstate Ins Co v Freeman, supra, 432 Mich. 701, n 1.Goggomobil 1 18 revell 1997,. Detroit Edison, supra.

1 87 Rietze MB Citaro G 11 Stadtwerke Mainz 68829,.Herpa MB SK Wechselkoffer -Hängerzug Anterist + Schneider ,.Corgi 411 Mercedes-Benz 240D Taxi orange,.

RAI'S 1 64 NISSAN Skyline GT-R BNR32 Police Car MPD Japan H7640013,.