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Michigan Insurance Defense Questions & Answers
1 Answer | Asked in Personal Injury, Insurance Defense, Municipal Law and Small Claims for Michigan on
Q: Am I responsible for removing my trampoline from a privately owned golf course's pond?

My trampoline flew into a pond owned by a privately owned golf course during a major wind storm. The trampoline was anchored down and was ripped out by the wind. I live in an HOA that is next to the golf course. The trampoline is destroyed. Am I responsible for cleaning it up out of the pond?

Brent T. Geers
Brent T. Geers answered on Dec 14, 2021

What is the golf course owners saying? Even though it's an act of God, someone will still have to pay. Either the golf course will just do it on their own, or they will contact the HOA and the HOA will pay, and may end up tracing it back to you.

It may be worth your while to contact...
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1 Answer | Asked in Insurance Defense for Michigan on
Q: Hit by insurance less driver cartotaled Trying to sue but can’t find the lady now as it appears she moved. What do I do

My wife was hit from behind by an insurance less driver about 6 months ago. We decided to sue as my wives car was totaled. The person who hit us appears to have moved and after about 3 attempts to have her served we’ve had no luck. The total damages equal about 4K and we had to take out a loan... Read more »

Brent T. Geers
Brent T. Geers answered on Sep 1, 2021

You need to talk with a civil attorney who deals with auto insurance. I'm not sure you have much recourse other than through "mini tort", which is limited to your deductible.

One other thing to keep in mind is that if this woman had no insurance and is now no where to be...
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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Michigan on
Q: Why would a life insurance company ask what state and country you were born in?
Brent T. Geers
Brent T. Geers answered on May 13, 2021

Risk analysis and calculation, as well as identity purposes.

1 Answer | Asked in Insurance Defense for Michigan on
Q: Would a rescinded auto insurance policy affect my premiums for new car insurance or be relevant information?
Brent T. Geers
Brent T. Geers answered on Mar 12, 2021

I think an insurance company may find the reason for the rescission to be relevant, and could affect your premiums or eligibility for coverage.

1 Answer | Asked in Insurance Defense for Michigan on
Q: I have questions about having medical records release.

I'm struggling to find help in my situation about having my deceased father's medical records release to his insurance company. I am the original beneficiary on his policy, but his oldest daughter had my name removed from his policy. I wish I can afford a lawyer to guide me through this... Read more »

Brent T. Geers
Brent T. Geers answered on Jan 7, 2021

It doesn't sound like your issue is necessarily with the insurance company. Their job is complete when they pay out the policy to the named beneficiary; they don't get into disputes like this. Your avenue of relief might be through the probate court; if a probate administration has not... Read more »

1 Answer | Asked in Traffic Tickets and Insurance Defense for Michigan on
Q: I lost my insurance 2 years ago and had an accident. Their insurance is trying to get me to pay $6000 for her repair.

I was given a ticket for impeding traffic. I did hit the back left side panel of her car.

Mark Bredow
Mark Bredow answered on Jun 23, 2020

Michigan is a No-Fault state. This means that all drivers are required to purchase insurance on their vehicles and that if there is an accident, regardless of who is at fault, each driver's insurance pays to cover their own medical bills, lost wages and damage to their own vehicle. The... Read more »

1 Answer | Asked in Banking, Civil Litigation, Contracts and Insurance Defense for Michigan on
Q: So my grandfather passed away then 4 weeks later my grandmother pass before my grandfathers insurance came in!

My grandmother may pass before the check is deposited into her account how can my mom or uncles save it before it goes back to insurance

Thomas. R. Morris
Thomas. R. Morris answered on Apr 6, 2020

The question is not altogether clear to me, but it sounds like the insurance payment is property of your grandmother's estate, and that a probate case needs to be commenced in order to deal with the payment. An attorney with the whole picture will be able to guide you through the probate... Read more »

2 Answers | Asked in Car Accidents and Insurance Defense for Michigan on
Q: Can I be sued in Michigan for hitting a building, if it's my fault?

I hit a building and it's my fault (negligent in parking lot, no drugs or alcohol involved). Can my insurance company deny the building owner's claim? Can the building owner (or their insurance company) sue me for damages?

Brent T. Geers
Brent T. Geers answered on Feb 22, 2020

The answer is "yes" to both your questions. Although I'm not sure why the insurance company would deny a valid claim unless they were denying coverage for any number of reasons found in your contract with them. In which case the building owner could certainly sue you personally.

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1 Answer | Asked in Car Accidents and Insurance Defense for Michigan on
Q: Q: Can I be sued in the event that a leased vehicle I cosigned for Is involved in an accident?

I will be cosigning for a lease vehicle for someone who has a poor credit score.

MY name will appear on the vehicles registration with the owners. This individual will be carrying their own and only auto insurance on the vehicle.

Macomb, MI

Peter N. Munsing
Peter N. Munsing answered on Jan 20, 2020

Usually only the driver is sued; if you cosigned you aren't necessarily a registered owner. If you are, you need to make sure insurance is on that vehicle.

3 Answers | Asked in Contracts, Insurance Defense and Car Accidents for Michigan on
Q: Should I accept this offer from the insurance company, or should I get more money?

I was in a car accident a couple of weeks ago. We were at a stop waiting for traffic to clear to turn left when the car behind us did not stop and went right into us. It was a hit and run, but they were caught. Both cars were totaled. I was the passenger in the car, and have been going to a... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Apr 16, 2019

This is a perfect example why non-lawyers should never agree to do anything important when offered by a complete stranger--over the telephone? Really? There may still be time for you to extract yourself from the clutches of this uncaring insurance company--if you call a lawyer and ask for help. Do... Read more »

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2 Answers | Asked in Contracts, Real Estate Law, Insurance Defense and Landlord - Tenant for Michigan on
Q: Who is responsible in case of an accidental apartment fire?

My roommates and I recently had a kitchen fire in the apartment due to turning on the wrong burner. The lessor replaced the appliances, brought in a cleaning crew, and then billed us! We were not given any chance to hire/buy anything ourselves. Are we liable for the bill? Note, it does NOT state... Read more »

Thomas. R. Morris
Thomas. R. Morris answered on Nov 13, 2017

I would look more closely at the lease. You may be responsible to return the property undamaged at the conclusion of the lease. That clause, I suspect, imposes liability on you. Sorry to not have a favorable answer. Were the fire to have been the fault of the equipment supplied by the landlord,... Read more »

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2 Answers | Asked in Estate Planning, Real Estate Law and Insurance Defense for Michigan on
Q: Fiancee's grandma quit claim deedeed house to us and herself and passed a week later...

My fiancee's grandmother quit claim deeded her home to myself, my fiance, and herself, and passed a week later. The insurance policy was in her name which they were notified of her death. Our home burnt down 8 months after she passed. She had no will and no estate, insurance adjuster says that... Read more »

Kenneth V Zichi
Kenneth V Zichi answered on Oct 31, 2017

This may or may not actually be required depending on how the deed was written and recorded (was it done by an attorney or did someone go on the internet and ineffectively 'try' to do this on their own?) HOWEVER, if indeed you do need to open an estate, you need to petition the Probate... Read more »

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1 Answer | Asked in Insurance Defense and Probate for Michigan on
Q: grandma and mom passed awat .grandma had a life insurance policy on my mom. Do I get the policy.

grandma had 5 other kids who received something in their name. She always told me I was in place of my mother

Kenneth V Zichi
Kenneth V Zichi answered on Apr 29, 2017

Your question is not clear. What did your grandmother's will/beneficiary designations say? She left things to the 5 other grandkids but apparently not you? What exactly are you asking?

-- This answer is offered for informational purposes only and does not constitute legal advice or...
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1 Answer | Asked in Criminal Law, Elder Law, Insurance Defense and Probate for Michigan on
Q: I discovered after my dad died my aunt has fraudulently spent money from his estate. Can I take her to court and where?

Also she changed me from beneficiary 10 days before his death and put her. He had dementia and died from neglect. Now we will have to go to court for this small amount. Do I need a lawyer or should I be confident enough on my own to save me money. I'm a struggling mother and don't have much money.

Mr Scott Marshall Neuman
Mr Scott Marshall Neuman answered on Jun 23, 2016

Successful litigation most often requires a competent litigator. Civil procedure is quite complicated. It would be in your best interest to consult a competent attorney.

1 Answer | Asked in Insurance Defense and Car Accidents for Michigan on
Q: In Michigan, in a car/pedestrian accident can the car insurance company sue the at fault pedestrian for claims paid?

There were no physical injuries only damage to the vehicle

Terrence H Thorgaard
Terrence H Thorgaard answered on Oct 27, 2015

The pedestrian negligently caused the accident and the insurance company paid for damages? Of course it could sue.

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Car Accidents for Michigan on
Q: i was rear ended and have full coverage insurance ,insurance co doesnt want to pay cost of fixing auto.

my deductible is 1000.00 i reported the accident and another dent on the same day to my ins carrier,they wrote it up as 2 claims. i didnt know it would be 2 claims,now they wont pay because each claims are under my deductible of 1000.00. they did not explain that to me,that it would be 2 different... Read more »

Adam Studnicki
Adam Studnicki answered on Nov 13, 2015

Sounds like the occurrences were difference. Check your policy.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to...
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