10/29/2026
Can your personal auto insurer deny uninsured motorist benefits when you are hurt in an employer's vehicle? In *Bellestri v. Brown*, the Michigan Court of Appeals said yes based on a “regular use” exclusion.
A Michigan State Police trooper was injured when another vehicle struck his assigned patrol Tahoe. He drove the Tahoe to and from every shift, worked from it each day, kept the keys, and garaged it at home. His personal insurer, Memberselect, excluded UM coverage while he occupied a vehicle furnished or available for his regular use that was not listed as a covered auto.
The Court enforced the exclusion even though the trooper could not use the Tahoe for personal purposes. The policy said “regular use,” not unlimited or unrestricted use. His recurring work use was enough.
The takeaway: employees who routinely drive company, government, fleet, or delivery vehicles may have a serious UM/UIM coverage gap. Check both the employer's policy and your personal policy before an accident occurs. By attorney Manpreet Gill
