As a service to its clients, Kallas & Henk publishes Michigan Coverage Decisions. This publication summarizes and analyzes every appellate decision in Michigan addressing or impacting property and casualty insurance.

The ten most recent issues are listed on this page. To search the full database of our Michigan Coverage Decisions Issues by Topic, Keyword, or Issue Number use the search form to the left.

Recent Cases

Michigan Coverage Decisions, Issue 199

Altman Management Co v AON Risk Ins Servs West, Inc.

Unpublished opinion per curiam of the Court of Appeals, issued September 20, 2016 (Docket No. 328593), leave denied May 2, 2017 (Docket No. 154651). The plaintiff management company sued the defendant risk services company for breach of contract and negligence after the defendant mishandled a claim which
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Michigan Coverage Decisions, Issue 198

Electric Stick, Inc. v Prim One Ins Co.

Unpublished, Decided September 15, 2016, Michigan Court of Appeals Docket No. 327421, leave denied October 3, 2017 (Docket No. 154899). The plaintiff failed to disclose bankruptcies and tax liens during the insurance policy application process. When the plaintiff later sued for benefits, the defendant insurer brought a motion for
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Michigan Coverage Decisions, Issue 197

Bakri v Sentinel Ins Co.

Unpublished, Decided June 21, 2016, Michigan Court of Appeals (Docket No. 326109),leave denied November 30, 2016 (Docket No. 154182) . Plaintiff was injured and sued the at-fault driver as well as and underinsured motorist benefits. The coverage required consent of the carrier to settle any claim and excluded any coverage for a
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Michigan Coverage Decisions, Issue 196

21st Century Premier Ins Co v Zufelt

Published opinion per curiam of the Court of Appeals, issued May 24, 2016 (Docket No. 325657) Zufelt obtained insurance in June 2012 when he had seven points on his driving record, but failed to disclose three points. The insurance policy required an eligible person to have less than 6 points.
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Michigan Coverage Decisions, Issue 195

Polite v Tyler

Unpublished opinion per curiam of the Court of Appeals, issued March 29, 2016 (Docket No. 325811) The plaintiff was injured while driving a car insured by American Bankers Insurance Company, including uninsured motorist coverage. The tortfeasor was an uninsured motorist. The plaintiff owned two other vehicles insured by Farm Bureau with the same limits
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Michigan Coverage Decisions, Issue 194

Garrett v. Washington, et. al.

Published, Decided February 23, 2016, Michigan Court of Appeals Docket No. 323705 Plaintiff settled a PIP claim via case evaluation acceptance. Plaintiff filed a third-party claim against the other driver, along with a uninsured motorist claim against his insurer. The trial court denied a motion to consolidate the two actions, and the
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Michigan Coverage Decisions, Issue 193

Barnes v. State Farm Mutual Automobile Insurance Company

Unpublished, Decided December 17, 2015, Michigan Court of Appeals Docket No. 323134 A non-resident caretaker took out an insurance policy on a car owned jointly by a daughter and her mother. When the daughter got into an accident, she sought PIP benefits. The insurer successfully denied benefits on the
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Michigan Coverage Decisions, Issue 192

Secura Insurance v. Joy B. Thomas et. al.

Unpublished. Decided December 1, 2015, Michigan Court of Appeals Docket No. 322240 The insurer filed a declaratory action to rescind coverage on a non-owned vehicle which had been endorsed onto the policy. The vehicle was involved in two accidents resulting in claims for PIP and underinsured motorist benefits. Based
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Michigan Coverage Decisions, Issue 191

The Cincinnati Insurance Company v. V.K. Vemulapalli

Unpublished. Decided November 17, 2015, Michigan Court of Appeals Docket No. 322840, leave denied June 28, 2016, Supreme Court Docket No. 152910 The defendant insured’s building suffered a property loss in 1998. The insured submitted a claim to the insurance carrier for the damage in September 1998 and the insurer
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Michigan Coverage Decisions, Issue 190

Dragen Perkovic v. Zurich American Ins. Co.

Published. Decided September 10, 2015, Michigan Court of Appeals Docket No. 321531 Plaintiff was injured in a car accident and sought treatment for his injuries. Within three months of the accident, the hospital submitted a medical bill for services to the plaintiff. The defendant insurer denied the claim. Plaintiff then
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