
    LEWIS v FARMERS INSURANCE EXCHANGE
    Docket No. 324744.
    Submitted April 8, 2016, at Detroit.
    Decided April 19, 2016, at 9:25 a.m.
    Valencia Lewis filed a complaint in the Macomb Circuit Court against Farmers Insurance Exchange. Lewis sought personal protection insurance (PIP) benefits under the no-fault act, MCL 500.3101 et seq., for injuries she suffered as a pedestrian when she was struck hy a motor vehicle in a hit-and-run accident in October 2012. Lewis was not insured under a no-fault policy at the time of the accident. However, Lewis claimed PIP benefits under a no-fault policy issued to Tamekiah Gordon. At the time of the accident, Lewis lived with Gordon and Gordon’s son. Lewis argued that she was entitled to PIP benefits under Gordon’s no-fault policy because she and Gordon were cousins by marriage—Lewis’s paternal aunt was married to Gordon’s paternal uncle. Farmers filed a motion for summary disposition, and the court, Mark S. Switalski, J., denied the motion. The court explained that it was required to broadly construe the remedial no-fault act in favor of coverage and that a liberal construction supported its ruling that Lewis and Gordon were relatives. Farmers appealed.
    The Court of Appeals held:
    
    1. Marriage of one person’s aunt to another person’s uncle does not make the two persons relatives for purposes of the no-fault act. That is, the blood relatives of one spouse are not related by affinity to the blood relatives of the other spouse. According to MCL 500.3114(1), PIP benefits are available to “the person named in the policy, the person’s spouse, and a relative of either domiciled in the same household, if the injury arises from a motor vehicle accident.” A relative, for purposes of the no-fault act, is a person related by marriage, consanguinity, or adoption. In this case, Lewis and Gordon were not related by blood or adoption and were not married to each other. Consequently, PIP benefits were available to Lewis only if she was related to Gordon by affinity. A person related by affinity to another person is related only because of marriage—they are not related by blood or adoption. That Lewis’s aunt was married to Gordon’s uncle did not establish a relationship by affinity between Lewis and Gordon. Although some caselaw has expanded the group of persons related by affinity to include stepsiblings, those related by marriage do not include cousins by marriage, in part because such relationships are significantly more attenuated than are the relationships between a stepsibling and his or her parents’ families and other stepsiblings. Therefore, the trial court erred when it ruled that Lewis and Gordon were related for purposes of Gordon’s no-fault insurance policy.
    2. No-fault insurance policies may provide coverage beyond that required by the act. General rules of contract interpretation apply to the interpretation of a no-fault insurance policy. When terms have a definite legal meaning and appear in a written contract, the parties are presumed to have intended that those terms have their proper legal meaning. In this case, the insurance policy authorized payment to the insured or any of the insured’s family members. The term “family member” was defined in the policy as a person related to the insured by blood, marriage, or adoption who lives in the same household. This definition was substantively identical to the definition of “relative” as it is understood for purposes of MCL 500.3114(1). There was no indication that the parties contemplated a different understanding of the term “family member.” Therefore, because Lewis and Gordon were not relatives by marriage, neither were they family members by marriage. The trial court erred by ruling that Lewis was entitled to benefits because she was Gordon’s cousin by marriage.
    Reversed and remanded.
    Insurance — No-Fault — Personal Protection Insurance Benefits — Relatives — Affinity.
    Under MCL 500.3114(1) of the no-fault act, MCL 500.3101 et seq., personal protection insurance benefits may be recovered by a relative of the insured domiciled in the same household; for purposes of MCL 500.3114(1), a relative is a person related by affinity, blood, or adoption; the relationships that qualify as affinity relationships are the relationships existing between a spouse and the blood relatives of the other spouse; two persons are not related by affinity when one person’s aunt is married to the other person’s uncle; that is, marriage does not cause the blood relatives of one spouse to become related by affinity to the blood relatives of the other spouse.
    
      Applebaum & Stone, PLC (by Katrina A. Murrel and Robin A. Miserlian), for Valencia Lewis.
    
      
      Hewson & Van Hellemont, PC (by Robert D. Steffes and Nicholas S. Ayoub), for Farmers Insurance Exchange.
    Before: MURRAY, P.J., and STEPHENS and RlORDAN, JJ.
   PER CURIAM.

In this action for personal protection insurance (PIP) benefits under the no-fault act, MCL 500.3101 et seq., defendant appeals by leave granted the trial court’s order denying its motion for summary disposition against plaintiff Valencia Lewis and plaintiff R & R Transportation, LLC. We reverse and remand for entry of an order granting summary disposition in favor of defendant.

I. FACTUAL BACKGROUND AND PROCEDURAL HISTORY

This case arises out of plaintiffs claim for PIP benefits—under a no-fault policy issued by defendant to plaintiffs purported relative, Tamekiah Gordon—for injuries plaintiff suffered as a pedestrian during a hit-and-run car accident on October 26, 2012. On that date, plaintiff was a resident of Harrison Township, Michigan, and lived in a townhouse with Gordon and DeQuail Johnson, Gordon’s son. At the time, neither plaintiff nor Johnson owned a motor vehicle covered by no-fault insurance. Gordon, however, owned a Ford Expedition that was insured under a no-fault policy issued by defendant.

Under the general definitions section in Gordon’s no-fault policy, “family member” was defined as follows: “Family member means a person related to you [the named insured] by blood, marriage or adoption who is a resident of your household.” Additionally, Part III of the policy, which governed PIP coverage, provided, in pertinent part:

We [Farmers] agree to pay in accordance with the Code [i.e., Chapter 31 of the Michigan Insurance Code, which is the no-fault act, MCL 500.3101 et seq.] the following benefits to or for an insured person ....
Insured person as used in this part means: you or any family member....

Approximately 10 months after the accident, plaintiff initiated the instant action, asserting that defendant failed to pay PIP benefits to which she was entitled. The basis of her claim was that, under the terms of Gordon’s policy and MCL 500.3114(1), which provides that PIP benefits can be recovered by “the person named in the policy” or “a relative . . . domiciled in the same household,” plaintiff qualified as a “relative” who was “domiciled in the same household” as Gordon at the time of the accident, entitling her to PIP benefits under Gordon’s policy. (Emphasis added.)

In October 2013, defendant filed an answer to plaintiffs complaint. Along with its answer, defendant asserted, as an affirmative defense, that it was not first in priority to pay the no-fault benefits at issue.

Discovery ensued, spanning roughly 11 months. Plaintiff was deposed twice, and both times she was questioned about her relationship to Gordon. During her first deposition, plaintiff described Gordon as her sister. However, at the second deposition, plaintiff described Gordon as her cousin:

Q. [I]s she [Gordon] related to you?
A. Yes.
Q. What is her relationship?
A. My cousin.
Q. When you say “cousin [,] is there a blood relationship there? Is she the daughter of [one of your parents’ siblings]?
A. No.
Q. So when you say “cousin[,]” she is a good friend of yours [,] correct?
A. No, we was [sic] married into the family.
Q. Okay. She is your cousin by marriage?
A. Yes.
Q. Okay. Explain to me how is she a cousin by marriage?
A. Her uncle is my uncles [sic],
Q. Her uncle was your uncle?
A. Yeah.
Q. I’m sorry. Youfve] got to clarify this for me. ... Who is your uncle? What do you mean?
A. How can I put it? My aunt married—
Q. Wait. Your aunt. Now ... I think of my mother’s good friend as my aunt. When you say “aunt” is that your mother [⅛ sister] or your father’s sister?
A. My father’s sister.
Q. Your father’s sister. Okay. That’s your aunt.
A. Right.
Q. Okay... . Your aunt is married to [whom]? How is that connection there?
A. [Gordon]⅛ father],] his brother is married to my aunt, my father’s sister.
Q. So [Gordon] ⅛ uncle . . . the brother of [Gordon] ⅛ father [,] is married to your aunt?
A. Exactly.
Q. Okay. So on October 26th, 2012 [the date of the accident] was your father’s sister still married to [Gordon] ⅛ uncle?
A. Yes.
Q. Are they still married?
A Yes.

Contrary to her testimony during the first deposition, plaintiff admitted at the second deposition that Gordon was not her blood relative, deeming Gordon her “cousin by marriage.”

In September 2014, defendant filed a motion for summary disposition under MCR 2.116(C)(10). Defendant argued that, given plaintiffs testimony at the second deposition, no genuine issue of material fact existed regarding the relationship between plaintiff and Gordon. Defendant further argued that (1) plaintiff was admittedly unrelated to Gordon by blood, (2) plaintiff was also, as a matter of law, unrelated to Gordon by affinity (i.e., by marriage), and (3) therefore, plaintiff did not qualify as Gordon’s relative under MCL 500.3114(1). Finally, defendant argued that because plaintiff was not Gordon’s relative, she was not entitled to PIP benefits under Gordon’s policy.

In response, plaintiff argued that she and Gordon were “cousins by affinity,” which is a degree of familial relation. Plaintiff also argued that both the no-fault act and the language of Gordon’s policy were unclear regarding “the degree of relation that relatives must share in order to collect [PIP] benefits under [a] relative’s insurance policy.” Therefore, according to plaintiff, summary disposition in favor of defendant was improper because there was a genuine issue of material fact regarding whether plaintiff was entitled to PIP benefits under Gordon’s policy, and that question had to be decided by the trier of fact.

The trial court decided the matter without entertaining oral argument. Although the trial court briefly examined the definition of “family member” in Gordon’s policy, its analysis focused primarily on the meaning of the term “relative” in MCL 500.3114(1). Noting that the no-fault act does not define “relative,” the trial court determined that it must give the term its plain and ordinary meaning. After reviewing dictionary definitions and relevant authority regarding relationships by affinity, the trial court concluded that plaintiff and Gordon were “cousin [s] by marriage.” Observing that it was required to construe the no-fault act liberally in favor of coverage, the trial court then held that “plaintiff is a ‘relative’ of Gordon according to the plain language of MCL 500.3114(1) and the subject policy language.” Accordingly, the trial court denied defendant’s motion for summary disposition.

II. STANDARD OF REVIEW

“This Court reviews de novo a trial court’s decision on a motion for summary disposition.” Allen v Bloomfield Hills Sch Dist, 281 Mich App 49, 52; 760 NW2d 811 (2008). When reviewing a motion for summary disposition under MCE 2.116(0(10), this Court may only consider, in the light most favorable to the party opposing the motion, “the ‘affidavits, together with the pleadings, depositions, admissions, and documentary evidence then filed in the action or submitted by the parties ....’” Calhoun Co v Blue Cross Blue Shield of Mich, 297 Mich App 1, 11; 824 NW2d 202 (2012), quoting MCR 2.116(G)(5). Under MCR 2.116(0(10), “[s]ummary disposition is appropriate if there is no genuine issue regarding any material fact and the moving party is entitled to judgment as a matter of law.” Latham v Barton Malow Co, 480 Mich 105, 111; 746 NW2d 868 (2008). “There is a genuine issue of material fact when reasonable minds could differ on an issue after viewing the record in the light most favorable to the nonmoving party.” Allison v AEW Capital Mgt, LLP, 481 Mich 419, 425; 751 NW2d 8 (2008). “This Court is liberal in finding genuine issues of material fact.” Jimkoski v Shupe, 282 Mich App 1, 5; 763 NW2d 1 (2008).

Additionally, “[tissues of statutory construction are questions of law, which [this Court] review[s] de novo.” Corwin v DaimlerChrysler Ins Co, 296 Mich App 242, 253; 819 NW2d 68 (2012). Likewise, this Court reviews de novo, as a question of law, “the construction and interpretation of an insurance contract [.] ” Henderson v State Farm Fire & Cas Co, 460 Mich 348, 353; 596 NW2d 190 (1999).

The fundamental goal of contract interpretation is to determine and enforce the parties’ intent by reading the agreement as a whole and applying the plain language used by the parties to reach their agreement. The goal of statutory interpretation is to determine and give effect to the intent of the Legislature, with the presumption that unambiguous language should be enforced as written. [Dobbelaere v Auto-Owners Ins Co, 275 Mich App 527, 529-530; 740 NW2d 503 (2007) (citations omitted).]

III. ANALYSIS

“An insurer who elects to provide automobile insurance is liable to pay no-fault benefits subject to the provisions of the [no-fault] act.” Corwin, 296 Mich App at 254 (quotation marks and citation omitted; alteration in original); see also MCL 500.3105(1). Insurance contracts in conflict with the no-fault act must be construed when reasonably possible “in a manner that renders them ‘compatible with the existing public policy as reflected in the no-fault act,’ ” Corwin, 296 Mich App at 257 (citation omitted), but no-fault policies may expand coverage beyond “the mandatory coverages required” by the act, see Wilkie v Auto-Owners Ins Co, 469 Mich 41, 44; 664 NW2d 776 (2003).

The trial court’s decision in this case was based not only on its interpretation of MCL 500.3114(1), but also on its determination that Gordon qualifies as a family member under the insurance policy. Accordingly, our analysis of this issue requires two separate, but related, inquiries: (1) whether plaintiff qualifies as a relative of Gordon for purposes of MCL 500.3114(1); and (2) if the policy provides broader coverage than that required under MCL 500.3114(1), whether plaintiff qualifies as a family member as that term is used in the policy.

We conclude that plaintiff qualifies neither as a relative under MCL 500.3114(1) nor as a family member under the insurance policy.

A. MCL 500.3114(1)

PIP benefits are recoverable by “the person named in the policy, the person’s spouse, and a relative of either domiciled in the same household, if the injury arises from a motor vehicle accident.” MCL 500.3114(1). See Stone v Auto-Owners Ins Co, 307 Mich App 169, 174; 858 NW2d 765 (2014). For purposes of MCL 500.3114(1), a relative is a person related “by marriage, consanguinity, or adoption.” Allen v State Farm Mut Auto Ins Co, 268 Mich App 342, 345; 708 NW2d 131 (2005), overruled on other grounds by Spectrum Health Hosps v Farm Bureau Mut Ins Co of Mich, 492 Mich 603 (2012). See also Allstate Ins Co v Tomaszewski, 180 Mich App 616, 621; 447 NW2d 849 (1989) (“In the insurance context, courts have held that ‘relative’ means not only blood relative but also relative by marriage.”).

It is undisputed that Gordon and plaintiff were not married, were not related by blood, and were not related by adoption at the time of the accident. Thus, the issue here is whether plaintiff qualifies as Gordon’s relative by marriage, i.e., “by affinity.” See Black’s Law Dictionary (10th ed) (defining “relative by affinity” as “[sjomeone who is related solely as the result of a marriage and not by blood or adoption”). See also Merriam-Webster’s Collegiate Dictionary (11th ed) (defining “affinity” as a “relationship by marriage”).

Michigan statutes and caselaw have long recognized the fundamental difference between consanguineous (blood) relatives, i.e., individuals related because they share the blood of a common ancestor, and relatives by affinity, i.e., individuals related by marriage. See, e.g., People v Zajaczkowski, 493 Mich 6, 13; 825 NW2d 554 (2012) (“[T]he context in which the term ‘by blood’ is used in [MCL 750.520b(1)(b)(ii)] indicates that it is meant as an alternative to the term ‘by affinity.’ ”); Berdan v Milwaukee Mut Life-Ins Co, 136 Mich 396, 402; 99 NW 411 (1904) (“By marriage, one party thereto holds, by affinity, the same relation to the kindred of the other that the latter holds by consanguinity.”) (quotation marks and citations omitted); Mann v Hyde, 71 Mich 278, 281-282; 39 NW 78 (1888) (explaining that a decedent’s sister-in-law was not a blood relative but was, instead, related to the decedent only by affinity). In Zajaczkowski, the Michigan Supreme Court reaffirmed this distinction, defining affinity as

the relation existing in consequence of marriage between each of the married persons and the blood relatives of the other, and the degrees of affinity are computed in the same way as those of consanguinity or kindred. A husband is related, by affinity, to all the blood relatives of his wife, and the wife is related, by affinity, to all the blood relatives of the husband. [Zajaczkowski, 493 Mich at 13-14, quoting Bliss v Caille Bros Co, 149 Mich 601, 608; 113 NW 317 (1907) (quotation marks omitted).]

In other words, when a couple marries, each spouse becomes related by affinity to the other spouse’s blood relatives by the same degree.

However, the meaning of “relative by marriage” adopted by the trial court in this case extended affinity principles a step further. The trial court decided that, because plaintiffs paternal aunt is married to Gordon’s paternal uncle, plaintiff and Gordon are “cousins by affinity.” Thus, the trial court implicitly decided that marriage creates affinity relationships not only between a spouse and the blood relatives of the other spouse, but also between the blood relatives of one spouse and the blood relatives of the other.

We recognize that Michigan caselaw may provide limited support for such an extension of affinity principles beyond their traditional confines. See, e.g., People v Armstrong, 212 Mich App 121, 128-129; 536 NW2d 789 (1995); Turner v Auto Club Ins Ass’n, 448 Mich 22, 28; 528 NW2d 681 (1995) (stating the liberal rule of construction applicable to the no-fault act, i.e., “[T]he [no-fault] act is remedial in nature and must be liberally construed in favor of the persons intended to benefit from it”). However, given the Supreme Court’s analysis in Zajaczkowski and its reliance on Bliss, we conclude that the trial court’s interpretation of MCL 500.3114(1) was erroneous.

In Armstrong, 212 Mich App 121, this Court construed affinity as the word is used in the second-degree criminal sexual conduct statute, MCL 750.520c(1) (“The actor is related by blood or affinity... to the victim.”). At issue in that case was whether a victim of sexual assault and her stepbrother, who was the perpetrator of the assault, qualified as relatives by affinity under MCL 750.520c(1), despite the fact that they did not qualify as relatives -under the Michigan Supreme Court’s definition of affinity in Bliss, 149 Mich at 608 (the definition recently reiterated by the Michigan Supreme Court in Zajaczkowski, 493 Mich at 13-14). Armstrong, 212 Mich App at 122-129. Citing a 1950 decision of the Washington Supreme Court, the Armstrong Court concluded that “the term ‘affinity’ is not capable of precise definition” and further stated that “at common law, whether someone was related to another by affinity depended upon the legal context presented.” Id. at 125. Ultimately, the Armstrong Court concluded that, within the statutory context at issue in that case, “the relation between a stepbrother and a stepsister” was one of affinity. Id. at 128.

However, based on our Supreme Court’s more recent opinion in Zajaczkowski and its reliance on Bliss, we conclude that this Court’s expanded definition of affinity in Armstrong is not controlling in this case. In support of its conclusion that the Michigan Supreme Court’s definition of affinity, as announced in Bliss, did not mandate its decision, the Armstrong Court relied on three distinct conclusions of law: (1) “the term ‘affinity’ is not capable of precise definition,” (2) “at common law, whether someone was related to another by affinity depended upon the legal context presented,” and (3) “in Bliss, our Supreme Court expressly limited the applicability of the definition of affinity that it adopted” to “the factual and legal context” of Bliss. Armstrong, 212 Mich App at 125-126. The first two of those conclusions were supported solely by citation of the Washington Supreme Court opinion. However, although this Court may rely on cases from other jurisdictions as persuasive authority, they are not binding. Hiner v Mojica, 271 Mich App 604, 612; 722 NW2d 914 (2006). More importantly, sinee Armstrong was decided, the Michigan Supreme Court’s Za-jaczkowski decision reaffirmed the Bliss definition of affinity, without mentioning the limiting language emphasized by the Armstrong Court. See Zajaczkowski, 493 Mich at 13-14. Therefore, even though Zajaczkowski construed the first-degree criminal sexual conduct statute, MCL 750.520b(1)(b)(ii), rather than the no-fault act, we conclude that the Michigan Supreme Court’s approval of the Bliss definition of affinity in Zajaczkowski demonstrates that this remains the commonly understood meaning of affinity under Michigan law. This definition, accordingly, must be applied in this cas.e. See Allard v Allard, 308 Mich App 536, 552; 867 NW2d 866 (2014), lv gtd 497 Mich 1040 (2015) (holding that the Court of Appeals has “no power to modify. . . our Supreme Court’s prior definition”).

Therefore, “relative,” in the context of MCL 500.3114(1), means a person related “by marriage, consanguinity, or adoption.” Allen, 268 Mich App at 345. For purposes of MCL 500.3114(1), a relationship by blood is an alternative to a relationship by marriage, i.e., by affinity. Consistent with the Michigan Supreme Court’s decision in Zajaczkowski, we conclude that in this statutory context, a relationship by affinity or marriage consists of

the relation existing in consequence of marriage between each of the married persons and the blood relatives of the other, and the degrees of affinity are computed in the same way as those of consanguinity or kindred. A husband is related, by affinity, to all the blood relatives of his wife, and the wife is related, by affinity, to all the blood relatives of the husband. [Zajaczkowski, 493 Mich at 13-14, quoting Bliss, 149 Mich at 608.][]

The use of this definition is especially appropriate given the Bliss Court’s further discussion of the reasons why it adopted this definition and declined to adopt another rule:

The other and further rule stated, obiter,... to the effect that ‘relationship by affinity may also exist between the husband and one who is connected by marriage with a blood relative of the wife,’ is based upon very remote, and is opposed to the weight of modem, authority. We must decline to hold that the fact that two men, unrelated, marry wives who are second cousins, establishes between them a relation by affinity. [Bliss, 149 Mich at 609 (emphasis added).]

Plaintiff seeks PIP benefits from defendant on the theory that she qualifies as Gordon’s relative by marriage. However, plaintiffs purported relationship with Gordon, through the marriage of plaintiffs paternal aunt to Gordon’s paternal uncle, does not fall within the common understanding of relative by affinity under Michigan law. Rather, their relationship is akin to the example in Bliss. Accordingly, like the Court in Bliss, we find that two women who are completely unrelated by consanguinity but who had other blood relatives marry each other, in this case their respective aunt and uncle, do not share a relationship of “cousins by affinity” that satisfies the definition of relative for purposes of MCL 500.3114(1).

Thus, the trial court erred.

B. “FAMILY MEMBER” UNDER THE INSURANCE POLICY

As discussed, no-fault insurance policies may expand coverage beyond “the mandatory coverages required” by the act. See Wilkie, 469 Mich at 44. Therefore, if the language of the policy expanded the scope of PIP coverage beyond that required by MCL 500.3114(1), and if plaintiff falls within that expanded scope of coverage, we must affirm the trial court’s decision. See Neville v Neville, 295 Mich App 460, 470; 812 NW2d 816 (2012) (“This Court. . . will not reverse when a trial court reaches the right result for a wrong reason.”).

“Because a no-fault insurance policy is a contract, the general rules of contract interpretation apply.” Fuller v GEICO Indemnity Co, 309 Mich App 495, 498; 872 NW2d 504 (2015). “Clear and unambiguous provisions of an insurance policy must be enforced according to their plain meanings.” Id. “As a general rule, where terms having a definite legal meaning are used in a written contract, the parties to the contract are presumed to have intended such terms to have their proper legal meaning, absent a contrary intention appearing in the instrument.” Prentis Family Foundation, Inc v Barbara Ann Karmanos Cancer Institute, 266 Mich App 39, 58; 698 NW2d 900 (2005) (quotation marks and citations omitted).

As stated, Part III of the policy at issue, which governs PIP coverage, provides that PIP benefits are payable “to or for an insured person.” “Insured person,” as used in Part III, is defined as the named insured “or any family member [.] ” The general definitions section of the policy provides, “Family member means a person related to you [the named insured] by blood, marriage or adoption who is a resident of your household.”

The definition of “family member” in the policy is substantively identical to the definition of “relative” contemplated by this Court in Allen for purposes of MCL 500.3114(1). See Allen, 268 Mich App at 345 (requiring that a relative be related to the insured “by marriage, consanguinity, or adoption”; it was not enough that the claimant and the insured resided in the same house). Accordingly, we conclude that the insurance policy does not expand coverage beyond that required by the no-fault act, see Wilkie, 469 Mich at 44; the term “family member” under the policy should be construed in the same manner as “relative” for purposes of MCL 500.3114(1). Stated differently, because there is no indication to the contrary, we presume that the parties intended for the terms “family member” and “related by marriage” in the policy to have the same meaning as “relative” and “related by marriage” for purposes of MCL 500.3114(1). Further, because “related by marriage” is not defined in the insurance policy, and there is no indication that the parties intended for this term to deviate from the proper legal meaning of “by marriage” or “by affinity,” we presume that the parties intended that the term “have [its] proper legal meaning.” Prentis Family Foundation, 266 Mich App at 58 (quotation marks and citations omitted).

Therefore, for the same reasons discussed earlier in this opinion, the trial court erred by construing the term “family member” as used in the policy in a manner that includes plaintiffs relationship with Gordon.

IV. CONCLUSION

Because established Michigan law does not recognize the purported “cousins by marriage” relationship between plaintiff and Gordon, the trial court erred by holding that plaintiff was Gordon’s “relative”; plaintiff was not entitled to PIP benefits under MCL 500.3114(1) or the no-fault policy issued by defendant.

Reversed and remanded for entry of an order granting summary disposition in favor of defendant.

Murray, P.J., and STEPHENS and RiORDAN, JJ., concurred. 
      
      
        Lewis v Farmers Ins Exch, unpublished order of the Court of Appeals, entered July 29, 2015 (Docket No. 324744).
     
      
       Although it intervened in the trial court, R & R did not file a brief or otherwise appear in the instant appeal. Accordingly, further references in this opinion to “plaintiff’ are to Lewis alone.
     
      
       She continued to rely on this relationship as the basis of her claim for the rest of the proceedings.
     
      
      
        In re Bordeaux’ Estate, 37 Wash 2d 561; 225 P2d 433 (1950).
     
      
       We also note that plaintiffs relationship with Gordon is significantly more attenuated than the stepsibling relationship at issue in Armstrong, which gave rise to the Court’s limited expansion of affinity principles.
     
      
       Notably, plaintiff quotes this definition in her brief on appeal. This definition is also consistent with the definition of “relative by affinity’ in Black’s Law Dictionary (10th ed): “A person is a relative by affinity (1) to any blood or adopted relative of his or her spouse, and (2) to any spouse of his or her blood and adopted relatives. Based on the theory that marriage makes two people one, the relatives of each spouse become the other spouse’s relatives by affinity.”
      Other jurisdictions have similarly recognized this conceptualization of relationships by marriage or affinity. See, e.g., 41 Am Jur 2d, Husband and Wife, § 4, pp 16-17; Sjogren v Metro Prop & Cas Ins Co, 703 A2d 608, 611 (RI, 1997); Criminal Injuries Compensation Bd v Remson, 282 Md 168, 183; 384 A2d 58 (1978) (“Affinity is relationship by marriage. It is the connection between a spouse and the blood relatives of the other spouse.. .. [T]he meaning of affinity as the tie between one spouse and the blood relatives of the other spouse is the overwhelming view throughout the country.”). But see Flitton v Equity Fire & Cas Co, 824 P2d 1132, 1133-1134 (Okla, 1992) (noting that the insurance policy at issue did not use the term “affinity” and concluding that the insured’s stepbrother was covered as a “family member” under the policy); Sigel v New Jersey Mfr Ins Co, 328 NJ Super 293, 296-297; 745 A2d 602 (2000) (following the reasoning in Flitton and holding that two stepsiblings were “related by marriage,” as that term was used in the insurance policy at issue).
     