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 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Unpublished.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Unpublished.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Unpublished.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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Michigan Coverage Decisions, Issue 169

Oak Creek Apts, LLC v. Garcia

Unpublished. Decided March 21, 2013 Michigan Court of Appeals Docket No. 308256.

The plaintiff hired the defendant to repair the roof on one of its buildings. Part of the parties’ contract required the defendant to secure the building so that water could not infiltrate while the repairs were being
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Michigan Coverage Decisions, Issue 168

Westfield Ins. Co.. v. D&G DollarZone

Unpublished. Decided February 28, 2013 Michigan Court of Appeals Docket No. 306408.

The defendant sold cosmetic contact lenses to the underlying plaintiff, who had a severe reaction which resulted in serious injuries, including permanent impairment of her vision. She filed a lawsuit against the defendant, and the plaintiff defended
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Michigan Coverage Decisions, Issue 167

Washington v. Allstate Property & Cas Ins Co

Unpublished. Decided January 17, 2013 Michigan Court of Appeals Docket No. 305473.

The plaintiff contacted the defendant directly to purchase a policy to cover rental premises he owned. After completing the application process and paying the premium, the defendant erroneously issued a homeowners policy to the plaintiff
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Michigan Coverage Decisions, Issue 166

Fremont Ins. Co. v. Izenbaard

Unpublished. Decided November 18, 2012 Michigan Court of Appeals Docket No. 300825.

The underlying plaintiff sued the defendant for injuries caused in an accident involving an all-terrain vehicle, which the defendant was driving on vacant land adjacent to the insured premises. The adjoining property was not owned by the defendant
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Michigan Coverage Decisions, Issue 165

Heaton v Pristine Home Builders, LLC

Unpublished. Decided October 25, 2012 Michigan Court of Appeals Docket No. 305305.

The plaintiffs filed suit related to damages arising from the construction of their home, and named the defendant and several other contractors. The case proceeded to trial and the plaintiffs recovered judgments against the defendants for their
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