Insured not certified to sell no fault insurance in Michigan does not owe PIP benefits, even if its agents claimed it was certified
United Farm Family Mutual Insurance Company has never filed a certification with the State of Michigan to enable it to sell Michigan no fault insurance. When its insureds, David and Kickolas Bruss bought insurance, they claim they were told by United Farm's agent that United Farm was certified. After an injury, United Farm denied benefits and then filed suit in Monroe County seeking a ruling that it was not obligated to pay the non-residents no fault benefits. The Court held that the sole issue was United Farm's certification and that false representations allegedly made by its agents were irrelevant.