Joey Hoosier, Cyrena Hoosier, and Mike and Annette Hoosier, as Guardiansof Rebecka Hoosier, Appellants V…

Summary

The court held that the significant-relationship analysis, rather than lex loci contractus, governs the choice of law for an automobile-insurance policy without an effective choice-of-law provision. Applying that analysis de novo, the court concluded that Texas had the most significant relationship to the policy and that the circuit court therefore improperly granted summary judgment to the insurer. Chief Justice Hannah, dissenting and joined by Justices Corbin and Danielson, would have required the circuit court to conduct the significant-relationship analysis in the first instance and expressly address the continued validity of prior precedent.