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Case Outcomes

An insurance agent assumes greater liability by providing advice about insurance coverage

When an insurance agent steps out of his or her traditional role of “order-taker” into that of insurance advisor, a special relationship is formed in which the agent assumes additional duties to the customer — and greater potential liability. In Zaremba Equipment, Inc. v. Harco National Insurance Company (2013), an insurance agent acquiring a policy…

Landlords owe duty to reasonably expedite police involvement

In Bailey v Schaaf, released July 30, 2013, Michigan’s Supreme Court considered the liability of a landlord who hired a security guard company whose guards busied themselves handling an intoxicated person and allegedly ignored a report about someone brandishing a gun and threatening to kill. Bailey was shot and seriously injured. The trial court granted…

One certified insurance policy is enough to qualify for PIP benefits

Automobile insurers authorized to conduct business in Michigan must file a written certification stating that its non-resident insureds are covered by personal protection or “PIP” insurance. A “nonadmitted” insurer—one that is not authorized to sell insurance in Michigan—may file this certification voluntarily. These certifications can affect entitlement to benefits: an injured person is not entitled…

Apportionment of liability under the WDCA – and an early look at Justice McCormack’s approach to statutory construction

Smitter v Thornapple Township (June 19, 2013) is, in most respects, a typical opinion from the Michigan Supreme Court. The Court was presented with a question of statutory construction that affected the allocation of liability between Thornapple Township—the employer of the plaintiff/part-time firefighter—and the Second Injury Fund under the Worker’s Disability Compensation Act. The Court…

When is an independent contractor really an employee under the Worker’s Disability Compensation Act?

Distinguishing employees from independent contractors is a perennial issue for employers and courts alike. The Michigan Court of Appeals’ opinion in Elde v Castles Brothers, Inc, provides additional guidance on what makes a worker an “employee” under Michigan’s Worker’s Disability Compensation Act—even when that worker is listed as self-employed on 1099 tax forms. The panel…

Sixth Circuit Court of Appeals: debtors must meet high standard to set aside foreclosure after redemption period

The Sixth Circuit Court of Appeals recently held in Conlin v Mortgage Electronic Registration Systems, Inc that Michigan law imposes strict limitations on debtors’ ability to set aside foreclosures once redemption periods expire. Debtors must not only establish a “clear showing of fraud or irregularity” that relates to the foreclosure procedure itself but must also establish…

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