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 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Unpublished.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Unpublished.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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Michigan Coverage Decisions, Issue 189

Adam v. Bell et.al.

Published. Decided August 11, 2015, Michigan Court of Appeals Docket No. 319778 The plaintiff filed a First-Party No-Fault (PIP) claim against State Farm and settled on October 15, 2012, with a release of all claims through that date. On January 16, 2013, the plaintiff filed a Third-Party claim against the at fault driver
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Michigan Coverage Decisions, Issue 188

Auto-Owners Ins. Co. v. Lyle Christopher Kelley, North Arrow Log Homes, Inc. et. al.

Unpublished. Decided July 21, 2015, Michigan Court of Appeals Docket No. 319641 The insurer filed a declaratory action regarding underlying allegations of faulty workmanship by the insured. The insurer argued that there was no coverage based on no occurrence and policy exclusions. The
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Michigan Coverage Decisions, Issue 187

Gilbert Banks, et. al. v. Auto Club Group Ins. Co.

Unpublished. Decided June 18, 2015, Michigan Court of Appeals Docket No. 320985. The defendant insurance carrier issued a homeowners policy to Gilbert Banks. A fire destroyed the residence in 2006, and it was rebuilt with insurance proceeds. After the fire, the Banks’ son and his wife and
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Michigan Coverage Decisions, Issue 186

Harrell v Titan Indem. Co.

Unpublished. Decided January 20, 2015 Michigan Court of Appeals Docket No. 318744. The plaintiff was injured while driving her husband’s vehicle. Neither she nor her husband were insured, and the plaintiff had never had a driver’s license. She had been cited numerous times for driving without a license. The plaintiff filed this
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Michigan Coverage Decisions, Issue 185

Wyoming Chiropractic Health Clinic, PC v. Auto-Owners Ins. Co.

Published December 9, 2014 Michigan Court of Appeals Docket No. 317876., Leave Denied May 28, 2015 Supreme Court Docket No. 150868 A healthcare provider sought payment for services rendered to parties injured in an auto accident. The insurance carrier argued that the healthcare provider did not have standing
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Michigan Coverage Decisions, Issue 184

Hempel v. Nsumba, et al

Unpublished. Decided November 25, 2014, Michigan Court of Appeals Docket No. 316483. Farm Bureau issued an automobile insurance policy to plaintiff that included an underinsured motorist coverage endorsement. The endorsement contained the following language: “for your covered auto, this endorsement modifies insurance provided under [the uninsured motorist coverage portion of the policy].
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Michigan Coverage Decisions, Issue 183

Nick v Grange Ins. Co.

Unpublished. Decided November 4, 2014 Michigan Court of Appeals Docket No. 317136. The plaintiff filed this lawsuit when the defendant-insurer refused to pay for a fire loss at the plaintiff’s residence. The reasons for the denial was the fire was intentionally set and that the plaintiff made misrepresentations when filing his claim
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