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 61

Great American Insurance Co. v Tami Jean Baird et. al.

Unpublished. Decided October 12, 2004 Michigan Court of Appeals Docket No. 249646.

Plaintiff insurer sought a declaration of its obligations under its social work liability policy issued to Defendant social services agency. The insurer denied coverage arguing no “occurrence” and exclusion of coverage under sexual
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Michigan Coverage Decisions, Issue 60

General Motors Acceptance Corp. v Titan Insurance Co. et. al.

Unpublished. Decided October 7, 2004 Michigan Court of Appeals Docket No. 244722.

This case arises out of a lienholder’s claim against the Defendant insurer for insurance proceeds after the theft and destruction of the insured vehicle. The insurer rescinded the policy based on material misrepresentation
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Michigan Coverage Decisions, Issue 59

Michigan Heritage Bank v Federal Insurance Co.

Unpublished. Decided August 12, 2004 Michigan Court of Appeals Docket No. 245832.

This case involves a dispute between an additional insured and the insurer over denial of an electronic data processing property claim. The Trial Court determined Plaintiff was entitled to coverage as an “additional insured” or “standard
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Michigan Coverage Decisions, Issue 58

Sheldon v State Farm Ins. Co. et. al.

Unpublished. Decided July 22, 2004 Michigan Court of Appeals Docket No. 246053.

Injured third-party Plaintiff sought payment from Defendants’ homeowners insurer. The homeowners insurer denied payment on the basis of a motor vehicle exclusion, which included a motorized golf cart away from an insured location. The Trial
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Michigan Coverage Decisions, Issue 57

Kitterman et. al. v Michigan Educational Employees Ins. Co.

Unpublished. Decided June 28, 2004 Michigan Court of Appeals Docket No. 247428.

Plaintiffs sued their auto insurer after the insurer refused to pay collision damage and personal injury protection benefits. The insurer rescinded coverage contending material misrepresentation was made regarding vehicle operators because the insured’s undisclosed
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Michigan Coverage Decisions, Issue 56

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

Published. Decided May 25, 2004 Michigan Court of Appeals Docket No. 243673.

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
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Michigan Coverage Decisions, Issue 55

Michelle Misteretta v Auto Club Ins. Association

Unpublished. Decided March 4, 2004 Michigan Court of Appeals Docket No. 242500.

Plaintiff insured filed a declaratory action to determine entitlement to uninsured motorist benefits from the Defendant insurer. The insurer denied the claim based on the “other owned vehicle” exclusion which eliminated coverage if occupying a vehicle
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Michigan Coverage Decisions, Issue 54

Maurice Hellebuyck. v Farm Bureau General Ins. Co. of Michigan

Unpublished. Decided February 10, 2004 Michigan Court of Appeals Docket No. 243940.

Plaintiff sued Defendant insurer for payment of underinsured motorist benefits. The insurer rejected the claim because it was not presented within the one-year contractual limitation. The complaint was filed over one year after
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Michigan Coverage Decisions, Issue 53

Auto Club Ins. Co. v. Jamie Petz. et. al.

Unpublished. Decided December 18, 2003 Michigan Court of Appeals Docket No. 242933. Plaintiff homeowners insurer brought this declaratory judgment action to determine the application of a criminal acts exclusion. Defendant insured was sued in a wrongful death action from a fraternity hazing involving alcohol, resulting in the insured
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Michigan Coverage Decisions, Issue 52

Cornelius Watts et. al. v Michigan Basic Property Ins. Co. et. al.

Unpublished. Decided November 25, 2003 Michigan Court of Appeals Docket No. 241774.

Plaintiff sued for Defendant insurer’s denial of its property claim and the agent’s failure to forward payment. Defendant insurer denied on the basis that the policy was canceled for nonpayment. The
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