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HEIMER v. COMPANION LIFE INS. CO.

No. 16-2274.

879 F.3d 172 (2018)

Beau Darrell HEIMER, Plaintiff-Appellee, v. COMPANION LIFE INSURANCE COMPANY, Defendant-Appellant.

United States Court of Appeals, Sixth Circuit.

Decided and Filed: January 2, 2018.

Attorney(s) appearing for the Case

ARGUED: Kimberly J. Ruppel , DICKINSON WRIGHT PLLC, Troy, Michigan, for Appellant. Christopher P. Desmond , Detroit, Michigan, for Appellee. ON BRIEF: Kimberly J. Ruppel , DICKINSON WRIGHT PLLC, Troy, Michigan, for Appellant. Christopher P. Desmond , Detroit, Michigan, for Appellee.

COLE, C.J., delivered the opinion of the court in which STRANCH, J., joined, and McKEAGUE, J., joined in the result. McKEAGUE, J. (pp. 176-77), delivered a separate opinion dissenting from Part II.A of the majority opinion and concurring in the judgment.

OPINION

This matter is about whether a contract should mean what it says. After Beau Darrell Heimer was injured in a motorbike accident, he filed an insurance claim with Companion Life for the bill. Companion Life denied the claim, citing a plan exclusion that disclaimed coverage for injuries resulting from the "illegal...

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