Ida Cannon was injured in an auto accident while operating a vehicle owned by Ivy Harp. Cannon was hospitalized for nine days. Because she did not own a vehicle and was not covered under any other policy, she submitted a claim for benefits to Farm Bureau Insurance Company, the insurer of Harp’s vehicle. Later, she filed a claim for attendant care services. Farm Bureau discovered that some of the claims were fraudulent. As a result, Farm Bureau cut off Cannon’s benefits. Cannon sued to recover on her claims. Farm Bureau filed a motion for summary judgment, which the court denied. How should the appellate court rule?