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 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Unpublished opinion per curiam of the Court of Appeals, issued July 3, 2014 (Docket No. 310564).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Unpublished.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Unpublished.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Unpublished.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Unpublished.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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Michigan Coverage Decisions, Issue 172

Craig v. Larson

Unpublished. Decided October 17, 2013 Michigan Court of Appeals Docket No. 311467.

The plaintiff was injured in an auto accident and filed suit against the at-fault driver, as well as against her auto insurance carrier, claiming a right to under-insured motorist benefits under her auto policy. The trial court dismissed her claims
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Michigan Coverage Decisions, Issue 171

Triangle Associates, Inc. v. LI Industries

Unpublished. Decided August 13, 2013 Michigan Court of Appeals Docket No. 307232.

The plaintiff was the general contractor on a construction project and had sub-contracted part of its roof installation work to the defendant. The section of the roof on which the defendant worked was defective, and damages occurred
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Michigan Coverage Decisions, Issue 170

Auto-Owners Ins. Co. v. All Star Lawn Specialists Plus, Inc.

Published. Decided July 9, 2013 Michigan Court of Appeals Docket No. 307711.

The underlying plaintiff worked as a laborer for the defendant performing lawn maintenance. In the course of his duties, the underlying plaintiff was injured while unclogging a jammed leaf vacuum machine which fell
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