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 31

Meijer, Inc. v Ray’s Landscaping & Nursery, Inc. and Meridian Mutual Insurance Company

Unpublished. Decided December 14, 2001 State of Michigan Court of Appeals Docket No. 223968.

Plaintiff sued alleging breach of contract by the insurance company for their refusal to defend an underlying tort action. A third party fell on the Plaintiff’s premises sustaining
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Michigan Coverage Decisions, Issue 30

George Zulakis, personal representative of the estate of the Charles M. Decker, deceased v Auto Owners Insurance Company

Unpublished. Decided November 20, 2001 State of Michigan Court of Appeals Docket No. 221948.

Plaintiff’s decedent was killed in an automobile accident along with three other passengers. The driver had an automobile policy in the amount of
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Michigan Coverage Decisions, Issue 29

Allstate Insurance Company v Stacy Reinhardt and Carla S. Laroche

Unpublished. Decided November 6, 2001. Michigan Court of Appeals Docket Number 224205.

The Trial Court granted Plaintiff’s summary disposition, in a declaratory judgment action filed against the policyholder. The policyholder, who was under the influence of liquor, pushed a third party which resulted in injury
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Michigan Coverage Decisions, Issue 28

Forest Hill, Barbara Hill, and Gregory S. Hill v Pioneer State Mutual Insurance Company

Unpublished. Decided October 26, 2001. Michigan Court of Appeals Docket No. 216155.

Plaintiffs initiated this action after Defendant automobile insurer attempted a rescission of their policy. Plaintiffs had initially applied for Insurance without disclosing that their son was residing with them
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Michigan Coverage Decisions, Issue 27

Citizens Insurance Company v Chrysler Insurance Company et al

Unpublished. Decided September 18, 2001. Michigan Court of Appeals Docket No. 219332.

In this action, Citizens insured a vehicle repair company for automobile liability. In the course of their business, the vehicle repair company worked on a vehicle for a dealership insured by Chrysler Insurance. While
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Michigan Coverage Decisions, Issue 26

Edward Ososki, d/b/a Federal Oil Co. v St. Paul Surplus Lines

Decided August 6, 2001. United States District Court Eastern District of Michigan Northern Division Case No. 00-10026-BC.

The Plaintiffs sought recovery under an insurance policy covering perils associated with accidental damage suffered during the course of Plaintiff’s oil well drilling operations. The Plaintiffs sought
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Michigan Coverage Decisions, Issue 25

Universal Underwriters Group v Allstate Insurance Company

Published. Decided July 20, 2001. Michigan Court of Appeals Case No. 217470.

In this action for reimbursement of benefits paid, Plaintiff insured an automobile dealership. Defendant insured a person injured while driving an automobile she was in the process of purchasing from the dealership. Plaintiff paid the PIP
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Michigan Coverage Decisions, Issue 24

National Union Fire Insurance v Owens Corning, Inc. and Falcon Foam Corp. v Gulf Insurance Co.

Decided May 29, 2001. United States District Court, Western District of Michigan. Case No 1:99 cv 519.

In this declaratory action, Plaintiff sought a ruling resolving a dispute over the proper allocation of responsibility for a $3,000,000.00 settlement.The underlying
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Michigan Coverage Decisions, Issue 23

State Farm v Johnson

Unpublished. Decided May 4, 2001. Michigan Court of Appeals Docket Number 218225.

In this declaratory action, Plaintiff insurer sought a ruling that it had no duty to provide uninsured motorist coverage to Defendant. Defendant was standing alongside her vehicle pumping gas in a privately owned station. An uninsured farm tractor moved
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Michigan Coverage Decisions, Issue 22

Horace Mann v Zheng and Ziquine

Unpublished. Decided March 16, 2001. Michigan Court of Appeals Docket Number 221731.

Plaintiff homeowners carrier sought a declaratory ruling in this action that it did not owe a duty to defend or indemnify its insured in a lawsuit alleging injuries resulting from a fight. Plaintiff asserted that the “occurrence”
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