Publications for Insurance Defense
The Court of Appeals has held that a no-fault insurer was not required to reimburse its insured for medical expenses the insured repaid to his health care insurer out of the proceeds of a tort settlement.
The Michigan Court of Appeals affirmed the trial court's decision to deny first-party no-fault benefits to an injured driver who had been specifically named on the subject insurance policy as an excluded driver.
The Michigan No Fault Insurance Act provides that an injured person is entitled to PIP benefits for “allowable expenses,” including attendant care. Some claimants have argued that family members should be paid at the rates charged by caregiving agencies.
The Michigan Supreme Court has held that replacement services incurred more than three years after the date of a motor vehicle accident are not recoverable under MCL 500.3135(3)(c).
The Michigan Supreme Court ruled that the principles set forth in the 1959 Supreme Court decision of Keys v Pace allow an insurer to avail itself of the defense of fraud in the application for insurance, even if the claimant is an injured third party and the fraud could have been easily ascertainable.
Two years ago, the Michigan Supreme Court found that the minority/insanity tolling statute applied to both the no-fault statute of limitations and the one year back rule. More recently, the Supreme Court issued its opinion in Joseph v Auto Club Insurance Association overruling the previous decision.
The Michigan Court of Appeals released its published opinion in Westfield v Ken’s Service, which clarifies the meaning of “occupying” a covered auto.
The Michigan Supreme Court held in an opinion that the door of an automobile is not "equipment permanently mounted on the vehicle" for purposes of MCL 500.3106(1)(b) and clarified the meaning of "alighting" for MCL 500.3106(1)(c).
The U.S. Court of Appeals for the Sixth Circuit has ruled that Medicare is not limited to the portion of a settlement or verdict designated as for medical losses when seeking reimbursement under the Medicare Secondary Payer Act.
The Michigan Court of Appeals has provided guidance for use in calculating the amount to be paid for family-provided attendant care services in a No Fault case.
The U.S. District Court for the Eastern District of Michigan granted summary judgment against a no-fault insurer's defense that it needed the taxpayer identification number of the attendant care provider in order to have "reasonable proof" under MCL 500.5142(2).
Michigan Supreme Court held that a No Fault insured must show by "objective and verifiable medical evidence" that an experimental medical procedure is efficacious before the procedure can be found to be "reasonably necessary."
Unanimous panel of the Michigan Court of Appeals hands down a published opinion that a no-fault insurer is liable under MCL 500.3107(1)(a) for conservator fees incurred for the management of an accident victim’s affairs.
In a published opinion issued on March 10, 2011, the Michigan Court of Appeals applied the "Koski" rule.
In a published case handed down on February 15, 2011, the Michigan Court of Appeals unanimously affirmed the trial court's grant of summary disposition in favor of a teacher who was injured in an automobile accident and sought wage loss benefits.
Most claims for damages against the state or its departments, commissions, boards, institutions, arms or agencies must be filed in the Court of Claims in Ingham County.
Basic liability insurance policies, such as homeowner’s liability insurance policies, are generally designed to protect people against claims brought by others who have suffered personal injury or property damage.
This outline is intended to assist our clients in evaluating “first-party” claims for personal and property protection benefits arising under the Michigan No-Fault Act. Throughout this Outline, citations are made to specific sections of the Michigan No-Fault Act. A complete copy of the current No-Fault Act is contained in Appendix A.
The standard jury instructions are contained in Appendix B. These instructions provide the mechanism by which the jury will address and resolve contested issues.
When a loose horse collides with a car or truck, legal battles can follow.
In the much-anticipated decision in Regents of the University of Michigan v Titan Insurance Company, the Michigan Supreme Court overturned Liptow v State Farm and Cameron v ACIA...
In a 4-3 decision handed down on July 31, 2010, the Michigan Supreme Court has held that "Kreiner v Fischer, was wrongly decided because it departed from the plain language of MCL 500.3135, and is therefore overruled."
In a recent decision, the Michigan Supreme Court held that the federal HIPAA medical privacy law does not prohibit ex parte interviews of treating physicians by defense counsel as long as reasonable efforts have been made to secure a qualified protective order.
On June 22, 2010, the Michigan Court of Appeals unanimously affirming the trial court's decision that the MCCA is not required to indemnify a No Fault insurer for PIP benefits paid over the statutory threshold.
On March 30, 2010 the Michigan Court of Appeals held that a medical malpractice Notice of Intent ("NOI"), which is mandated by statute as a means to encourage pre-litigation settlement, need not be as detailed and specific as the allegations in the complaint.
The Michigan Court of Appeals approved for publication its per curiam January 26, 2010 decision in Doe v Citizens Insurance Company of America, et al (Court of Appeals No. 288776).
The Michigan Court of Appeals has affirmed a trial court's denial of a landlord's motion for summary disposition, holding that black ice on an apartment complex stairway created a question of fact whether the landlord breached its statutory duty to keep the premises fit for their intended use.
The Court of Appeals held that the one-year back rule applies to a fraud claim if the plaintiff cannot establish reasonable reliance on the insurer's representations.
A township is generally immune from tort (i.e., negligence) liability when engaged in a governmental function. But under MCL 691.1406, that immunity does not apply to cases alleging failure to maintain or repair a public building.
The Michigan Court of Appeals held that black ice did not constitute an open and obvious danger.
On February 24, 2009, the Michigan Court of Appeals held that a no-fault insurer must pay attendant care benefits to an insured, even when the insurer is entitled to seek reimbursement of those benefits from the person providing the services.
The Michigan Court of Appeals published an opinion holding that a driver was not entitled to no-fault benefits because she unlawfully took a motor vehicle without a reasonable belief that she was entitled to both take and use it.
The Michigan Supreme Court has held that No Fault attorney fees cannot be awarded on PIP benefits that are not overdue...
In a 4-3 decision issued on December 29, 2008, the Michigan Supreme Court held that the Michigan Catastrophic Claims Association may refuse to indemnify no-fault insurers who make payments for expenses that the MCCA deems "unreasonable."
The Michigan Supreme Court has reversed the decision of the Court of Appeals and remanded for determination whether the Plaintiff's injuries, suffered in his second car accident in a single year, caused a serious impairment of body function.
The Michigan Court of Appeals denied summary disposition for Defendant in a premises liability case, holding without dissent that it was a question of fact whether the "black ice" on which Plaintiff slipped and fell was an open and obvious danger.
In Johnson v State Farm Fire and Casualty Co, the Michigan Court of Appeals addressed for the first time in Michigan whether a vandalism exclusion in a property insurance policy encompasses a claim arising from an arson fire.
The Michigan Court of Appeals held that the trial court did not err in allowing a jury to consider agency rates for health care professionals in its determination of hourly rates for attendant care by an unlicensed family member.
Michigan Court of Appeals reversed the trial court and held that a "dishonest and criminal acts" exclusion in Secura's fire insurance policy was not inconsistent with MCL 500.2833 or former MCL 500.2832...
The Michigan Court of Appeals has unanimously reversed summary disposition for Defendant...
On July 2, 2008, the Supreme Court held that an irrebuttable presumption of lawful incorporation exists when a company is formed under the Business Corporations Act.
In an unpublished decision decided June 26, 2008, plaintiff Proto-Cam ("P-C") purchased a parcel of real estate and, with it, an owner’s title insurance policy from defendant Transamerica.
On June 25, 2008, the Supreme Court held that the one-year back rule of MCL 500.3145(1) does not apply to a fraud action seeking damages for a No Fault insurer’s allegedly fraudulent conduct.
On June 19, 2008, the Court of Appeals held in a published opinion that services might be lawfully rendered under MCL 500.3157...
The Michigan Court of Appeals held that the insurer of an automobile that was allegedly borrowed from another and involved in fatal accident owed the driver a duty to defend but not necessarily to indemnify pending jury resolution of whether the owner consented to the use.
On April 23, 2008, the Michigan Supreme Court held that a contractual claim limitations clause in an underinsured motorist insurance (UIM) policy is not subject to judicial tolling.
In Roberts v Farmers Ins Exchange, plaintiff, a 12 year old girl involved in a motor vehicle accident, repeatedly cancelled or missed physical and neuropsychological independent medical examinations.
On February 28, 2008, the Michigan Court of Appeals reversed a grant of summary disposition entered by the Wayne County Circuit Court in favor of the insured (Vernor’s Dollars Discount, Inc.) and, instead, entered judgment in favor of Fremont Insurance Company.
On February 26, 2008, the Michigan Court of Appeals held that summary disposition should have been granted for Defendant in an Uninsured Motorist (UM) dispute where Plaintiff could not show that there was contact with the unidentified vehicle.
On January 22, 2008, the Michigan Court of Appeals issued an unpublished opinion in Kerr v Citizens Insurance Company of America, Docket No. 273319.