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 182

Bahri v. IDS Property Casualty Ins. Co.

Decided October 9, 2014, Published December 9, 2014 Michigan Court of Appeals Docket No. 316869, Leave Denied September 16, 2015 Supreme Court Docket No. 150486. On October 20, 2011, Plaintiff was involved in an auto accident and claimed first-party and uninsured motorist benefits from IDS under a personal auto policy.
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Michigan Coverage Decisions, Issue 181

Steel Supply & Engineering Co. v. Illinois National Ins. Co.

Unpublished. Decided August 18, 2014, Case No. 1:13-CV-1034 (W.D. Mich 2014); Affirmed August 13, 2015, Fed App 0570N (6th Cir. 2015). Plaintiff contracted with a City to supply and erect steel structures as a part of a larger construction project. During the course of the project, the
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Michigan Coverage Decisions, Issue 180

Vaughan v. Doe, et al

Unpublished. Decided July 29, 2014, Michigan Court of Appeals Docket No. 315313. The plaintiff was injured while driving a vehicle owned by her father. At the time of the accident, plaintiff was not living with her father. The vehicle was insured by Defendant, 21st Century Centennial Insurance Company. The uninsured coverage provided
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Michigan Coverage Decisions, Issue 179

State Farm Fire and Casualty Company v. Kapraun

Unpublished opinion per curiam of the Court of Appeals, issued July 3, 2014 (Docket No. 310564). The defendant hired a company that sent fax advertisements on behalf of the defendant, and was thereafter sued for conversion (property damage) and violations of the federal Telephone Consumer Protection Act from the
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Michigan Coverage Decisions, Issue 178

Twp. of Maple Forest v. Clearwater Drilling, LLC

Unpublished. Decided May 29, 2014 Michigan Court of Appeals Docket No. 314798. The defendant was sued for causing damage to the plaintiff’s building. The damage arose when the defendant, which was drilling a well on the plaintiff’s property using a water-chemical solution under high pressure, broke through into the
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Michigan Coverage Decisions, Issue 177

Miles v. State Farm Mut. Auto. Ins. Co.

Unpublished. Decided May 6, 2014 Michigan Court of Appeals Docket No. 311699. The plaintiff was struck by a vehicle and injured when he attempted to cross a street. The driver of the vehicle was not insured. The plaintiff filed suit against his insurer to recover PIP benefits only. The
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Michigan Coverage Decisions, Issue 176

Schumitsch v. Pioneer State Mut. Ins. Co.

Unpublished. Decided March 20, 2014 Michigan Court of Appeals Docket No. 313046.

The plaintiffs were insured under a farm owners policy. A barn on their property, and the contents, were destroyed in a fire. The policy, however, did not cover loss to farm structures or farm personal property.
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Michigan Coverage Decisions, Issue 175

Graham v. State Farm Mut. Auto. Ins. Co.

Unpublished. Decided February 18, 2014 Michigan Court of Appeals Docket No. 313214.

The plaintiff was injured in an auto accident and filed suit to recover PIP benefits. During that lawsuit, the plaintiff discovered the defendant was not insured at the time of the accident. The plaintiff did
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Michigan Coverage Decisions, Issue 174

Farm Bureau Mut. Ins. Co. of Mich. v. Bowers

Published. Decided November 27, 2013 Michigan Supreme Court Docket No. 147611.

The injured party’s spouse was operating a boat owned by his parents. Plaintiff insured the boat. The policy excluded coverage for injuries to an insured person. An insured person was defined in the policy as
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Michigan Coverage Decisions, Issue 173

Duffy v. Grange Ins. Co. of Mich.

Unpublished. Decided October 29, 2013 Michigan Court of Appeals Docket No. 308789.

The plaintiff was severely injured while operating an off-road vehicle on a trail and claimed first-party benefits under an auto policy (the OV was not insured). The defendant denied coverage for a number of reasons and
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