The applicant was injured in a motor vehicle accident and applied for statutory accident benefits from Allstate, the insurer of the vehicle that struck her.
Allstate argued that the applicant was the spouse of her roommate, who was insured by Belair, and therefore Belair should pay the benefits.
The arbitrator applied the Molodowich factors and found that the applicant and her roommate were merely friends sharing accommodation, not spouses living in a conjugal relationship.
Allstate was found responsible for paying the applicant's statutory accident benefits.
