We are pleased to announce that Jennifer A. Richards has joined our Firm as an attorney in our Livonia office. She focuses her practice on municipal law, insurance defense, law enforcement defense, and litigation and appeals. Ms. Richards writes briefs for submission to all levels of state and federal courts, arguing cases in all levels of state and federal courts of appeals, and performing research for all areas of law […]

In two seminal opinions, Wilkie v Auto-Owners Ins. Co. and Rory v Continental Ins. Co., the Michigan Supreme Court emphatically confirmed that insurance contracts are to be enforced by the courts “as written.”  The parties to an insurance contract remain free to waive or modify the terms of the contract by mutual consent, but one party cannot demand enforcement of an insurance contract, contrary to the mutually agreed terms, based upon that party’s unilateral belief […]

The Michigan Supreme Court has discarded the 36-year-old doctrine that once prevented insurance companies from denying claims based on fraudulent statements made in an insured’s application.  Previously, the law stated that an insurer could not deny liability in the event of fraud found on an insured’s application if the fraud would have been “easily ascertainable” by the insurer.  Now, fraud, if proven, can serve as a complete bar to recovery.  Insurance […]