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 71

Allstate Ins. Co. v Tracey Burnstein et. al.

Unpublished. Decided June 2, 2005 Michigan Court of Appeals Docket No. 260401.

Plaintiff homeowner insurer sought a declaration that its homeowners’ and umbrella policies did not provide defense or indemnity for its insureds in a third-party libel suit. The policies defined “occurrence” as an accident and also
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Michigan Coverage Decisions, Issue 70

Farm Bureau Ins. Co. v Auto Owners Ins. Co.

Unpublished. Decided May 24, 2005 Michigan Court of Appeals Docket No. 253914.

This dispute arises between two property insurers over reimbursement of a fire loss. Plaintiff insurer paid the loss and seeks pro rata contribution from the defendant insurer. The defendant insurer declined loss payment stating
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Michigan Coverage Decisions, Issue 69

Dean Kevin Spaulding et. al. v Farmers Ins. Exchange

Unpublished. Decided May 12, 2005 Michigan Court of Appeals Docket No. 251910.

The insured Plaintiffs sought recovery for denial of a claim by their auto insurer. The insurer denied the claim based on cancellation for non-payment. The insurer sent proper premium bills and cancellation notices. Plaintiffs
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Michigan Coverage Decisions, Issue 68

Lois Louella Quainton v OOIDA Risk Retention Group, Inc.

Unpublished. Decided April 21, 2005 Michigan Court of Appeals Docket No. 253355. Plaintiff insured sued for a determination of coverage under an “Unladen Trucking Liability” policy. The policy excluded coverage when the insured vehicle was being used for hire. The policy did not define “for hire”. Finding that
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Michigan Coverage Decisions, Issue 67

Anita Whitehorn v Liberty Mutual Ins. Co.

Unpublished. Decided March 15, 2005 Michigan Court of Appeals Docket No. 246255.

The Plaintiff insured sued her auto insurer for denying her claim for underinsured motorist benefits. Prior to notifying the insurer, the insured settled with and released the underinsured driver. The uninsured motorist provisions required notice of
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Michigan Coverage Decisions, Issue 66

Allstate Ins. Co. v Charlie Batch et. al.

Unpublished. Decided February 15, 2005 Michigan Court of Appeals Docket No. 251340.

Plaintiff insurer sought to determine that no defense or indemnity was owed to its insured under its renters and umbrella policies. A third-party lawsuit was brought against the insured for injuries resulting from repeated sexual
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Michigan Coverage Decisions, Issue 65

Tracy Chamberlain v Safeco Ins. Co.

Unpublished. Decided January 13, 2005 Michigan Court of Appeals Docket No. 250246.

The Plaintiff insured made a claim for theft loss under a homeowners policy. The Claim was denied by the Defendant insurer. The policy contained an exclusion, eliminating coverage for theft committed by an insured. The proper ty
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Michigan Coverage Decisions, Issue 64

Farm Bureau Mutual Ins. Co. v Michelle Buckallew et. al.

Decided December 28, 2004 Michigan Supreme Court Docket No. 126340.

Plaintiff, insurer, filed this action to rescind or reform a settlement agreement based on the parties’ misinterpretation of the policy limits. Despite finding a mutual mistake by the parties, the Trial Court determined that the
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Michigan Coverage Decisions, Issue 63

Lisa Michelle Fromm et. al. v MEEMIC Insurance Co.

Published. Decided November 9, 2004 Michigan Court of Appeals Docket No. 248849.

Plaintiffs sued for breach of contract when defendant refused to arbitrate an uninsured motorist claim. The insurer filed a counter-claim for declaratory relief on the issue of no threshold injury. The uninsured motorist provisions
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Michigan Coverage Decisions, Issue 62

Farmers Insurance Exchange v Robert Bailer et. al.

Unpublished. Decided October 26, 2004 Michigan Court of Appeals Docket No. 248179.

Plaintiff umbrella insurer sought a declaration that it was not obligated to provide coverage for injuries resulting from an auto accident. The insurer denied coverage on the basis of a “household” exclusion which eliminated coverage
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