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 51

Terrell Moss v Farmers Insurance Exchange

Unpublished. Decided October 2, 2003 Michigan Court of Appeals Docket No. 24039.

This case involves a dispute between the insurer and its insureds over uninsured motorist coverage and the policy notice requirement for a hit and run accident. The uninsured motorist provision requires notice within 30 days for a
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Michigan Coverage Decisions, Issue 50

Trimas Corp. v Zurich American Ins. Co. et. al.

Decided September 11, 2003 Michigan Supreme Court Docket No. 123405.

Plaintiff insureds sought coverage under an employer’s liability policy issued by Defendant insurers for a lead paint poisoning lawsuit for injuries to an employee’s son. Insurers denied coverage. The Trial Court held a duty to defend
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Michigan Coverage Decisions, Issue 49

Amerisure Insurance Co. v Graff Chevrolet et. al.

Published. Decided July 22, 2003 Michigan Court of Appeals Docket No. 238478.

This case involves a dispute between two insurance companies over the responsibility for an auto settlement. A rental vehicle, being driven by a permissive user while delivering pizzas was in an accident. The rental agreement
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Michigan Coverage Decisions, Issue 48

Kay Wilkie v Auto Owners Insurance Co.

Decided July 16, 2003 Michigan Supreme Court Docket No. 119295.

This case involves a dispute between the insurer and its insureds over underinsured motorist coverage and limitation on recovery. The insurer claims recovery is limited to the difference between the under insured motorist limit and the liability limits
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Michigan Coverage Decisions, Issue 47

Aaron and Dionna Lloyd v Allstate Insurance Co. et. al.

Unpublished. Decided April 15, 2003 State of Michigan Court of Appeals Docket Number 239552 and 239553.

Plaintiffs filed a garnishment action against Defendant to collect on a judgment rendered against Defendant’s insured. Plaintiffs were involved in an injury accident with Defendant’s insured and filed suit.
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Michigan Coverage Decisions, Issue 46

Trimas Corp. and Norris Cylinder Co. v Michigan Mutual Ins. Co. et. al.

Unpublished. Decided February 14, 2003 State of Michigan Court of Appeals Docket No. 23559.

Plaintiff insureds sought liability coverage under an employer’s liability policy issued by Defendant insurers for a third-party lawsuit for lead paint poisoning injuries to the son of an
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Michigan Coverage Decisions, Issue 45

Benjamin Park v American Casualty Insurance Co. et. al.

Unpublished. Decided December 13, 2002 State of Michigan Court of Appeals Docket No. 231451.

Plaintiff sought coverage for uninsured motorist benefits for injuries suffered while driving a vehicle for his employer. The policy provided uninsured motorist coverage would be reduced by benefits paid or payable under
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Michigan Coverage Decisions, Issue 44

Carolyn Ann Brooks v State Farm Mutual Auto Insurance Company et.al.

Unpublished. Decided November 19, 2002 State of Michigan Court of Appeals Docket No. 231898.

Plaintiff insured sought to compel arbitration of an uninsured motorist claim. The policy provided excess coverage because Plaintiff occupied a non-owned vehicle and the vehicle was driven by a driver
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Michigan Coverage Decisions, Issue 43

Edward F. Huizinga et al v Russell M. Olivier et. al.

Unpublished. Decided November 1, 2002 State of Michigan Court of Appeals Docket No. 230981.

This is a coverage dispute over homeowner personal property endorsement terms issued by Defendant. Plaintiffs claimed that on endorsement extending additional liability coverage also created unlimited replacement coverage for personal
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Michigan Coverage Decisions, Issue 42

Allstate Insurance Company v Nail Maroki et. al.

Unpublished. Decided September 24, 2002 State of Michigan Court of Appeals docket No. 230051.

Plaintiff sought declaratory judgment that its auto policy was void due to fraud in obtaining the policy. The policy was issued to one brother for another’s leased auto. Plaintiff discovered the misrepresentation and
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