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 101

Stryker Corp., et al. v. XL Ins. America, Inc.

Unpublished. Decided January 9, 2007 U.S. Dist. Ct., Western Dist. of Michigan File No. 4:01-CV-157.

The District Court had made previous rulings on issues to be presented at the trial in this matter (see Coverage Reporter No.74). The issue in this opinion was whether Plaintiff could
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Michigan Coverage Decisions, Issue 100

Casey v. Auto Owners Ins. Co., et al.

Published. Decided September 21, 2006 Michigan Court of Appeals Docket No. 266576.

Defendant had insured Plaintiffs’ home for many years when it reduced the amount of replacement cost coverage. Plaintiffs were advised of this change. Following the reduction in coverage, Plaintiffs’ home was destroyed in a fire.
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Michigan Coverage Decisions, Issue 99

Nugent Sand Co. v. Century Indem. Co., et al.

Unpublished. Decided November 16, 2006 U.S. Dist. Ct. for Western Dist. of Michigan File No. 1:05-CV-599.

Plaintiff was sued as a result of a release of contaminants during its operations. Plaintiff filed this action against its insurers to recover the amount of the settlement it had paid
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Michigan Coverage Decisions, Issue 98

Chase v. Terra Nova Industries, et al.

Published. Decided November 14, 2006 Michigan Court of Appeals, 272 Mich. App.

The insured was a general contractor on a large construction project. Due to the size of the project, the insured qualified for an owner controlled policy, which covered injuries to employees on the job site. Plaintiff
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Michigan Coverage Decisions, Issue 97

Allstate Ins. Co. v. Vaughan, et al.

Unpublished. Decided October 31, 2006 Michigan Court of Appeals Docket No. 268908.

Defendants were participating in a pick-up hockey game. The insured pushed another player to the ice as both of them were chasing down the puck. The injured party broke his collar bone as a result. Plaintiff
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Michigan Coverage Decisions, Issue 96

Valeo Switches & Detection Systems, Inc. v. EMCom, Inc., et al.

Published. Decided September 26, 2006 Michigan Court of Appeals, 272 Mich. App. 309 (2006).

Defendant requested defense from its insurer in a lawsuit filed by Plaintiff. The insurer denied coverage and filed a separate declaratory action claiming that coverage was not available under Defendant’s
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Michigan Coverage Decisions, Issue 95

Mich. Basic Property Ins. Ass’n v. Whitehead, et al.

Unpublished. Decided July 6, 2006 Michigan Court of Appeals Docket No. 259638.

Defendant was convicted of second-degree murder and sought insurance coverage under his homeowners policy. Plaintiff denied coverage on the basis that the murder was not an occurrence. The Trial Court held that there was
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Michigan Coverage Decisions, Issue 94

American Home Assur. Co. v. The Selective Group, Inc., et al.

Unpublished. Decided June 20, 2006 Michigan Court of Appeals Docket No. 266774.

Defendants submitted plans designs to a municipality for approval of a proposed condominium development. The designs were copyrighted materials and the copyright holder sued Defendant for infringement. Defendant sought coverage from Plaintiff
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Michigan Coverage Decisions, Issue 93

Geary v. C&K Mufflers, Inc., et al.

Unpublished. Decided June 6, 2006 Michigan Court of Appeals Docket No. 267105.

The insured owned a car which was used in its business. Defendant insured that business under a CGL policy and also insured the vehicle under a commercial auto policy. The CGL policy excluded coverage for damages
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Michigan Coverage Decisions, Issue 92

Twin City Fire Ins. Co. v. Second Chance Body Armor, Inc., et al.

Unpublished. Decided May 23, 2006 Michigan Court of Appeals Docket No. 265697.

This case arose out of a lawsuit against Defendant for negligence in building a device for the purpose of launching a fireworks display which resulted in injuries to a number
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