In the other case, a father let his son's girlfriend use his car but expressly prohibited his unlicensed son from driving it. Later that night, the son drank and asked for the keys. The girlfriend initially refused, but then relented, and the son crashed into a tree. Farm Bureau Mutual Insurance Co. of Michigan, the father's insurer, denied PIP benefits for the son.In both cases, the health care providers sued the auto insurance companies in order to try to get PIP benefits paid.
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