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Failure To Give Facts

MISREPRESENT ONE SMALL PART OF A CLAIM AND THE ENTIRE POLICY IS VOID A recent Michigan Court of Appeals decision is instructive in how we provide information required by an insurance company in order to receive claim payments. In this case, the insured made three separate claims under a homeowners policy. The first was a […]

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Are you liable for your child’s actions?

Many clients want to know if they are liable for the acts of their children.  Let’s explain the various exposures related to parental liability as well as the  grounds  on  which  such  claims  can  be brought. Parents can be held liable for the acts of their children based of statutes, common law, or contractual agreements. […]

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Teenage Driver? Should you title the vehicle in your child’s name?

ISSUES ON OWNING, LEASING OR TITLING A VEHICLE IN YOUR TEENAGE CHILD’S NAME Under Michigan’s Owner Liability Statute1 (the “ownership statute”), the owner of a motor vehicle is automatically liable for any injury caused by the  negligent operation of that motor vehicle. For parents who own vehicles driven by teenage drivers, this statute imposes a […]

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Congratulations Kelly Sparks, CIC, CISR, AAI, AIS 2015 National Outstanding CSR of the Year Award Finalist!

We are proud to announce that Kelly Sparks, CIC, CISR, AAI, AIS from our Livonia Property & Casualty office has been chosen from a particularly competitive field of applicants as one of the four national finalists for the 2015 National Outstanding CSR of the Year Award! Earlier this year Kelly was also recognized as Michigan’s […]

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Marsh & McLennan Agency

Who is filling out your insurance application and is it accurate?

My agent completed an application that was not accurate or complete, and the insurance company denied my claim based on misrepresentation. I never saw the application.  Inaccurate applications can cause a coverage denial later. For example, if you said that the building was 70% occupied and it was actually 70% vacant, you will have […]

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AN UMBRELLA IS NOT AN UMBRELLA

AN UMBRELLA IS NOT AN UMBRELLA  “BUT I THOUGHT MY UMBRELLA WOULD COVER FIRE DAMAGE TO MY BUILDING, AS WELL AS . . .” This Special Report was written by Kenneth R. Hale, J.D., CPCU, AAI, LIC. Don’t be misled by the word “Umbrella” in the title of an Umbrella policy. This was the name […]

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You could lose it all!

  HOW PEOPLE GET HURT FROM YOUR PERSONAL ACTIVITIES AND HOW YOU CAN LOSE YOUR ASSETS The purpose of this Special Report is to share some of the real-life liability cases over the last 15 years in Michigan. In fact, there were so many cases that we decided to compile a list of those lawsuits […]

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Is that auto discount worth it?

Automakers offer attractive discounts to employees, vendors, related parties, etc. In order to take advantage of these discounts, the automobile needs to be purchased or leased in a qualifying name. The qualifying person will often allow relatives or others to have the regular use of these vehicles. There are some major disadvantages to allowing your […]

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The Three Deadly Sins of Property Insurance

Our furnace malfunctioned last week causing smoke damage to our building, machinery and inventory. We already paid our deductible, but now the insurance company is telling us that they will only pay for one- half of the damages.  My building burned down last month, but now the insurance company refuses to pay for the fire […]

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Who is listed as a driver on your auto insurance policy?

EXCLUSION OF DRIVERS UNDER A MICHIGAN AUTOMOBILE INSURANCE POLICY Insurance companies often exclude drivers from personal and commercial insurance policies. The insurance companies will typically use an ISO type form indicating the following: We will not be liable for any accidents or losses while the covered auto was driven by:             The problem with this language […]

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