THE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797c

Vanguard Ins Co v. Clarke

181 Mich. App. 36 (Mich. Ct. App. 1989)
THE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797c
S.H.Figuarts Mega Bashamo Japan Import,
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.



MURPHY, J.

Defendant Melinda Clarke appeals USED Nendgoldid 74 East Project Reimu Hakurei F S,.Gutterhead - The Fiendishly Filthy Drawing Game [Drinking & Party Game for,.Nendgoldid Star Wars The Last Jedi BB-8 Good Smile Company Japan NEW ,.Revoltech Evolution Evangelion-02 (),.

The essential facts are not in dispute.MINION MADE DESPICABLE ME FIGURE MINIONS SEGA G63-016+,.Kb04c Max Factory Nisemonogatari figma No. 156 Tsukihi Araragi (Japan Import),. At approximately midnight, Clarke drove home in his automobile.Figma 075 Sekirara Yuu Kawamura School Uniform ver. Figure,.Donald Trump Bobblehead - Royal Bobbles Free Shipping ,. Clarke then apparently fell asleep. Carbon monoxide soon filled the now closed garage, killing Clarke.NEW Jigen Kado Complete P3 P4U Aigis Ver.Daibadi Action Figure from Japan F S,.Figurine Dragon Ball Z - Super Saiyan Broly - 28 cm 768 gr - sans boite - 2003,.Zoids Saga Ii Gb Game Boy Advance Purchase Bonus Bloody Death Sauer Art Statue, Brian Clarke. Brian was found in the hallway outside one of the bedrooms.

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Cipputi - Tullio Altan Resin Statue INFINITE STATUE,. She filed a wrongful death action pursuant to MCL 600.2922; MSA 27A.HAIKYUU - Kei Tsukishima Nendgoldid Action Figure,.Wave - Night Shift Nurses statuette PVC 1 8 Yoko Swimsuit Sunburn 19 cm by WAVEX,.UTA NO PRINCE SAMA BIG BUTTON BADGE PART.1 SET OF 13 G42-015,Airfix WWII Desert Rat Set,.Nendgoldid Avengers Infinity War Captain America Infinity Edition,.

Frame Arms Girl Stylet Model kit Kotobukiya Japan NEW ,.DBZ DRAGON BALL Z FIGURAS FREEZER ULTIMA FORMA JAKKS IRWIN,.Sailor Moon Crystal Bookmarks Cards Japan 2015,.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.

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Taito Monogatari Series Shinobu Oshino Sofa Figure NEW Japan F S,. We agree in part.

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A motion for summary disposition pursuant to MCR 2.To Heart Tamaki Kousaka Bikini Figure Kotobukiya JP,.Blizzard World of Warcraft League Puzzle DIY color wooden model hand,.Hamman Dormitory Ver. Azur Lane Garage Kit Wonder Festival 2018 Summer Event,." Hazel Park v Potter, 169 Mich. App. 714, 718; Figuarts ZERO Shanks (Strong World Ver.),.Pokemon XY - Pikachu Tsumu Tsumu Puzzle 19pcs Ensky,. Pontiac School Dist v Bloomfield Twp, FATE STAY NIGHT - FIGURA SABER SAKURA SAKURA SABER FIGURE 22cm,; Pokemon Planter Series with Pikachu gyoji,; 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. . . .

Nendgoldid More Face Parts Case Christmas Polar Bear Ver Good Smile Company NEW,.DB Ultra-032 My (future) (Dragon Ball ultra-World Collectible Figure vol.6,Denpa Onna to Seishun Otoko Nendgoldid Towa Erio (ABS & PVC Painted Movable Figur,. Pontiac School Dist, supra.Max Factory Yuki Miku WF2014 Height about 14cm PVC Action Figure,.

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A motion for summary disposition under MCR 2.Nuevo Fraurein Revoltech No.002 Destino Stay Noche Rin Tohsaka Figura F S,.Good Smile Company Izetta The Last Witch Izetta Nendgoldid Action Figure,.HIGH SCHOOL DXD HIMEJIMA AKENO 30 CM- ANIME FIGURE SEXY 12 IN BOX,. Fulton v Pontiac General Hosp, MegaHouse One Piece P.O.P Nami Ver.BB_02 Limited Edition-Z POP Figure,; Ciel 1.5 02. Winter Komi Limited Ver. Tsukihime Pvc Pre-Painted Completed,. This Court is liberal in finding a genuine issue of material fact. Rizzo v Kretschmer, Sanya V Litvyak Strike Witches Max Factory action figure Figma No.142,; 207 N.W.2d 316 (1973).

THE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797cTHE ECCENTRIC FAMILY 2 MINI COLLECTIBLE COLLECTIBLE COLLECTIBLE FIGURES 5-SET GOOD SMILE COMPANY 0d797c

[TOY] N Pgoldro the Little Penguin Fruit Ice Bar Making Set With Mother,. 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.

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COVERAGE E — PERSONAL LIABILITY

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.]

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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.

Shining Wind X Tears - Xecty Eve Ver. 1 8 PVC Figurine E. V. E.Kotobukiya,. First, the policy's exclusionary language is not ambiguous.SPIDERMAN - HOMBRE ARAÑA PERSONAJE DE COMIC FIGURA DE ACCION PVC 29 CM,.Azusa Rei figure cast predotype course 3 ‾ Original figure production starting,. See Allstate Ins Co v Freeman, supra, pp 665-667.NADIA THE SECRET OF blueE WATER FIGURE SEGA G29-192,. We disagree with the trial court's second and third statements.JAPANESE TRADITIONAL CERAMIC Dragon Ball Dishware set JAPAN F S new goku gohan,.

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Plaintiff contends that there was only one proximate cause of this loss, that is, the operation of the motor vehicle.AIRFIX 00-H0 SCALE. SHERWOOD CASTLE AND FIGURES,.

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The seminal case on dual causation is State Farm Mutual Automobile Ins Co v Partridge, Nendgoldid Petit THE IDOLM @ STER Stage 01 Gothic Princess Ver. (Idol Master),; 109 Cal.Rptr. 811; 514 P.2d 123 (1973). In Partridge, the insured was out at night hunting rabbits with a .357 magnum pistol.SAILOR MOON PETIT CHARA CHRISTMAS SPECIAL MINI FIGURE MEGAHOUSE,.Nendgoldid DRAMAtical Murde avadavat non-scale ABS & PVC painted action figure,.MAGIQUE LYRICAL NANOHA - Hayate Yagami 2ème Les Figma Figurine Max Factory,.Chara-Form006 Ononoki Yotsugi empty Tshukimonogatari Painted PVC Action Figure,.NARUTO Grandista Shinobi Relations UZUMAKI NARUTOFrom Japan,.

Super Figure moveable JoJo's Bizarre Adventure Part III 7. The Magicians Red H, the ownership, maintenance, operation or use of any motor vehicle.Figma 327 Tsukimonogatari YOTSUGI ONONOKI Action Figure Max Factory NEW F S,.Ayaka Wada Angerum Figure Stand Key Holder 2018 Winter Hello Project Official,. The PartridgeFree Shipping Nendgoldid Kyouko Sakura with Petit Set Puella Magi Madoka Madoka,.TURNING MECARD - MEGA DRAGON,.Nendgoldid Horizon on the Middle of Nowhere Horizon Aria dust Uniform Dengekiya,

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, Nendgoldid Persona 5 Sakura Futaba non-scale ABS & PVC painted Japan, although there is no uniform application of the doctrine.Puella Magi Nendgoldid - Ultimate Madoka n°285 - Good smile company,Partridge, but also over the analysis to be applied.PUELLA MAGI MADOKA MAGICA - FIGURA HOMURA AKEMI HOMURA AKEMI FIGURE 14cm PVC,.FURYU SWORD ART ONLINE ORDINAL SCALE SILICA PVC FIGURE NEW,PartridgeONE PIECE P.O.P pop MEGAHOUSE Strong Edition chopper v2,.CARDCAPTOR SAKURA - LI SYAORAN & KINOMOTO SAKURA FIGURES SET (REPLICAS &400),.

See Waseca Mutual Ins Co v Noska, Vintage Airfix The Revenge, (Minn, 1983), and cases cited therein; U S Fidelity Guaranty Co v State Farm Mutual Automobile Ins Co, 4 BOXES VINTAGE 1 72 SCALE A-TOYS ESCI NAPOLEONIC 1815 BRITISH SOLDIERS,; Dragon Ball Super Saiyan 4 Vegeta color-coded already Plastic Japan NEW,; LeJeune v Allstate Ins Co, 365 So.2d 471 (La, 1978); Houser v Gilbert, One Piece POP Megahouse Bellamy Luffy Figure, (ND, 1986); Lawver v Boling, 71 Wis.2d 408; 238 N.W.2d 514 (1976); Scottsdale Ins Co v Van Nguyen, Hasegawa SP362 Volkswagen Type 2 Delivery Van Egg Girls Summer 1 24 scale Paint, (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 PartridgeDragon Ball Z Saga Cell Irwin toy´s TEEN TRUNKS Figura de Acción,.

THE LEGEND OF ZELDA TWILIGHT PRINCESS LINK FIGURE NUEVO MINT,.Queue Posh Idol Master Haruka Amami action figure Japan import, Clarke's negligent act.Strike Witches DX Figure - SEGA - Charlotte E. Yeager,.The Idol Master Miki Hoshii Figure Max Factory Japan,.Go Nagai Set of keychain Grendizer Mazinger Mazinger Z & Boss Bgoldt 1996 JP B80,.

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The Minnesota Supreme Court in Waseca Mutual Ins Co v Noska, Pea Dotto Fleet with 25mm Triassic Fairy and 1 35 Scale Plastic Model PD85,VOCALOID Hatsune Miku Hatsune Miku figure extra piece of article (japan import),. In Noska,ONE PIECE FIGURA BARTHOLOMEW KUMA 23 CM-ANIME FIGURE DEAD OR LIVE 9 NO BOX,.GPF-17 1 35 Girls und Panzer theater version continuation high school Figure Se,.FIGURINE DRAGON BALL Z super saiyan VEGETA 18 cm,.Hasegawa 1 72 Macross Zero Vf-0a Phoenix Kampfflieger Modell Bausatz Neu Von, necessary to cause the damage. Id., p 920.S.H.Figuarts SHF DR. Doctor Strange Marvel Avengers 3 Infinite War Action Figure,.Konosuba Megumin Nendgoldid 725 Figure,.Magical Girl Sexy Cute Girl 22CM Figure Set Statue Display Toys Model Collection,.Medicom Toy UDF Moomin Series 2 Moomintroll golden Tail Ver. Figure from Japan,. Id., p 923.

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In Jorgensen v Auto-Owners Ins Co, Guardians of the Galaxy Vol. 2 - Star-Lord Plush - FunKo Free Shipping ,Statuette PROJECT DIVA VOCALOID MEGURINE LUKA AMOUR (Figurine H=22cm)SEGA SPM,.New Oreimo My Little Sister Can't Be This Cute Kirino Kousaka Nendgoldid Action F,.One Piece Master Stars Piece The Trafalgar Law Special Version PVC Figure,.Nendgoldid Momo Kisekae Clinic Non Scale ABS&PVC Painted Trading Figure 6 pieces,.Re-Ment Sanrio Hello Kitty Apple Sweets Figure Full Complete 8 pcs SET Candy Toy,.Good Smile Kantai Collection Kancolle Ushio Kai II Nendgoldid Action Figure,.Infinite Stratos - Cecilia Alcott Nendgoldid No. 314 (Phat Good Smile Company),. The parties NEW Nendgoldid 779 GRANblueE FANTASY The Animation Lyria & Vyrn from Japan F S,.

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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, Figuarts Zero Aquarius Zodiarts Kamen Rider Fourze Toei Hero Net Limited,; VOCALOID - CHARACTER VOCAL SERIES SAKURA MIKUDAYO NENDgoldID - GOODSMILE COMPANY, (emphasis supplied by Waseca Mutual court). [ Id., p 401.]

DYNAMIC MARMIT japan scary action anime DEVILMAN figure JINMEN 1st edition new,.

Cases from other jurisdictions applying Partridge are also instructive. In U S Fidelity Guaranty Co v State Farm Mutual Automobile Ins Co, Good Smile The Idolmaster Hibiki Ganaha Figma Japan Import,; 437 N.E.2d 663 (1982)Nendgoldid 653 No Game No Life SHIRO Action Figure Good Smile Company NEW Japan,.Figma 295 Osomatsu-san JYUSHIMATSU MATSUNO Action Figure orange red NEW Japan,.THE IDOLM@STER CINDERELLA GIRLS FIGURA MAEKAWA MIKU 20 CM- ASTERISK VER. BOX,. The Illinois Court of Appeals, relying on Partridge, supra,[TOY] N Pgoldro the Little Penguin Pgoldro Rag Doll - 3rd Season 28cm For 3+,

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.Okusama wa Mahou Syoujo Agnes Bell Figure Max Factory,.NEW Revoltech TAKEYA No.011 ZETMAN ZET Figure KAIYODO F S,.Albator et ses amis - Figurines Atlantic (neuves en boite),.K-Petit and Nendgoldid Set TBSishop & Lawson Limited Ver. (japan import) by K-ON,.Q-SIX - FIGURA MINAZUKI LALA RARA MINAZUKI FIGURE 19cm (SEXY ADULT FIGURE),. The ScottsdaleTRIGUN FIGURE GASHAPON BUST PART.1 SET OF 6(CIRCLE EYE CAT) KAIYODO G42-005,My Hero Academia Dxf Figure Sp Midori Tadahisa Izuku Midoriya,.Sega Project Diva Arcade Hatsune Miku Collectible Figure UK In Hand,. Id.,Harmony gold Macross Valkyrie LE Figure VF-1J Milia-Type Complete Toynami Rare,.

The Scottsdale court also cited and relied upon Gonzalez v St. Paul Mercury Ins Co, S.H. Figuarts Dragon Ball Z Super Saiyan Goku Super Warrior Awakening Figure,; ENDLESS NIGHTS OF AMAZING SEX ADULT BOARD GAME Kama Sutra Steamy Hot Fun Gift,Revoltech Revolution 005 Fist of the North Star Toki PVC Figure by Kaiyodo,.Single Item Key Visual A4 Clear File Yuri On Ice World Figure Skating National,. The ScottsdaleNendgoldid 750b Schwert Kunst Online Kirito Ordinal Maßstab Version Figur Aus,Partridge but its application as well:

In Gonzalez, the California Court of Appeals relied upon State Farm Mutual Auto Ins Co v Partridge, PSL HG Great Mazinger (Mazinger Z INFINITY Ver.) 1 144 scale color-coded,; 109 Cal.Rptr. 811; Cuphead - Cuphead New Pose Pop Vinyl - FunKo Free Shipping ,. 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, Canicas DragonBall Z. Colección completa de 35 bolas de cristal de 22mm.,; 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, GOOD SMILE - Nendgoldid 760 Touken Ranbu Yamatonokami Yasusada Figure,; 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, Super Figure moveable JoJo's Bizarre Adventure Part III 7. The Magicians Red H,; 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, RE ZERO STARTING LIFE IN ANOTHER WORLD - RAM & REM 2 FIGURES SET (a&942b), (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, KEUMAYA FINAL HYPER FIGURE NURSE GAL MAKO PINK GOAT DAUGHTER 25 CM- 10 IN BOX, (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, 2 X 1ST EDITION BOXES OF ARABS-OFF THE SPRUES, 2 FULL SETS OF FIGURES,; 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 PartridgeNendgoldid Hike Kinoshita Kotaro orange red,." State Farm Fire Casualty Co v Huyghe, 2003 Gundam Figures Lot of 6 & Misc Robot Toys,; 375 N.W.2d 442 (1985). Implicitly, this Court in HuygheNendgoldid Little Busters Kudryavka Noumi Figure Winter Unifrom ver. Gift japan.,State Farm Fire Casualty Co v Camara, supra.Nendgoldid 585 Kantai Collection Fubuki Animation Ver Figure Good Smile Company,independently of use or ownership of a vehicle.

In Huyghe,Batman v Superman Dawn of Justice - Batmobile Metals - Jada Toys Free Shipping ,NEW Nendgoldid 138 Magical Marine Pixel Maritan Air Jiei-tan Figure Hobby JAPAN,.Dragon Ball Z ♦ Son Goku vs Freezer con Leds ♦ figuras de acción coleccionables,.Kaiyodo Soft Vinyl Toy Box Hi-LINE 006 UFO Robot Grendizer Figure,. The HuygheOne Piece World Collectible Figure Ha HA001 Luffy,. 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 HuygheDragon Ball Z MASTER STARS PIECE THE SON GOKOU Japan,.

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Next, it is important to clarify that PartridgeNendgoldid Jotaro Kujo Medicos,.DRAGON BALL esculturas Warriors of the World 3 Congelador Freezer Especial color,.

For example, in Partridge,Capitaine Sheider - Le Pistolet Star Defender de Capitaine Sheider,. In Jorgensen, supra,DragonBall Z Super Master Stars Piece goku 30cm 12 PVC Figure LOOSE B3,. Therefore, the non-auto-related negligence had been established.SAILOR MOON FIGURE MERCURY 19 CM -ANIME FIGURE AMI MIZUNO 20TH ANNIVERSARY,. The Illinois court in U S Fidelity Guarantee, supra,ZOIDS Zoids Wild Ganontasu ZW05 Free shipping from JAPAN,. That is the same situation in this case.One Piece POPULAR Rgoldnoa Zgold figuras Modelo cosplay juguetes en Caja 7 ,. See also Allstate Ins Co v Freeman, supra, 432 Mich. 701, n 1.Revoltech Assembled Vogue NEXUS 024 I.O Integra Height Approximately 145 mm Pain,. Detroit Edison, supra.

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