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 121

Geico Casualty Co. v. Marshall

Unpublished. Decided November 18, 2008 Michigan Court of Appeals Docket No. 279060.

Marshall was an adult male in his forties, unmarried, and living a transient lifestyle as a truck driver. He lived for extended periods of time with his parents in Ohio, or stayed with his girlfriend in Michigan, or
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Michigan Coverage Decisions, Issue 120

Johnson v. State Farm Fire & Casualty Co.

Unpublished. Decided October 28, 2008 Michigan Court of Appeals Docket No. 278267.

Defendant issued plaintiff an all perils policy for plaintiff’s rental home. The house was destroyed by arson. Plaintiff was not linked to the arson, however, defendant denied liability under a policy provision that excluded coverage
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Michigan Coverage Decisions, Issue 119

Putney v. QBE Ins. Corp.

Unpublished. Decided October 14, 2008 Michigan Court of Appeals Docket No. 279800.

On August 4, 2004, QBE Insurance Corporation issued an auto policy to Phillip Putney (Putney) effective August 4, 2004 to February 4, 2005 for a Beretta. Putney paid the deposit and the first of four payments, but

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Michigan Coverage Decisions, Issue 118

Prokes v. Auto-Owners Ins. Co.

Unpublished. Decided September 25, 2008 Michigan Court of Appeals Docket No. 278321.

In 2000, Casey discovered a water intrusion in the third level of his newly built home. In 2002, the water leaked down into the second level of his home, causing mold. The water problems were the result of
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Michigan Coverage Decisions, Issue 117

Berkeypile v. Westfield Ins. Co.

Published. Decided August 12, 2008 Michigan Court of Appeals Docket No. 274177.

Plaintiff was riding in a company vehicle when she was involved in a multi-vehicle accident. The commercial auto policy issued by Westfield contained a UM endorsement with a policy limit of $300,000. Plaintiff received settlement proceeds in the
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Michigan Coverage Decisions, Issue 116

Genesee Foods Services, Inc v. Meadowbrook, Inc.

Published. Decided July 17, 2008 Michigan Court of Appeals Docket No. 274517.

Meadowbrook, a commercial insurance agency, signed an agreement to become an agent for Citizens Insurance Company. The agreement gave Meadowbrook the authority to accept and bind contracts of insurance that Citizens was licensed to write. Defendants
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Michigan Coverage Decisions, Issue 115

Ruzak v. USAA Ins. Agency, Inc.

Unpublished. Decided June 24, 2008 Michigan Court of Appeals Docket No. 274993.

Plaintiff, a passenger in a truck driven by her husband, was injured after her husband lost control of the vehicle. The policy provided liability limits of $300,000 per person and $500,000 per accident. The policy also
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Michigan Coverage Decisions, Issue 114

McDonald v. Farm Bureau Ins. Co

Published. Decided April 23, 2008 Michigan Supreme Court Docket No. 132218.

Plaintiff was injured in an auto accident on November 29, 2001. Her policy included underinsured motorist (UIM) coverage and an endorsement that provided “no claimant may bring a legal action against the company more than one year after
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Michigan Coverage Decisions, Issue 113

Manzella v. State Farm Mutual Auto Ins. Co.

Published. Decided March 21, 2008 Michigan Supreme Court Docket No. 133620.

Plaintiff rear-ended an uninsured motorist and demanded uninsured motorist benefits under a policy Defendant issued. Defendant denied benefits to Plaintiff for the reason that she was more than 50% at fault in the accident. Plaintiff filed
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Michigan Coverage Decisions, Issue 112

Hill v. LF Transportation, Inc.

Published. Decided January 15, 2008 Michigan Court of Appeals Docket No. 267959.

Plaintiff’s decedent was killed in an auto accident that resulted in a number of lawsuits. In one of the prior actions, Plaintiff sought uninsured motorist benefits from the insurer of the decedent’s vehicle. Summary disposition was granted to
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