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The Garan Report

Michigan Supreme Court Interprets Section 3113(a): Focus on Unlawful Taking

In a much-anticipated opinion, Swoope v Citizens Insurance Company of the Midwest, the Michigan Supreme Court has now confirmed that MCL 500.3113(a)...

Dylan J. Church

By Dylan J. Church

Apr 15, 2026

Uninsured Motorist Coverage Does Not Extend to Unlicensed Driver Under Policy Terms

In Cater v Powell, et al., the Court of Appeals held that Plaintiff was excluded from uninsured motorist (“UM”) benefits under a Michigan...

Christina Mazzara

By Christina Mazzara

Mar 18, 2026

Court of Appeals Allows Stacking of PIP Allowable Expense Benefits

Before the sweeping reform amendments of 2019, no-fault coverage of medical expenses under any Michigan auto insurance policy was always unlimited....

Daniel S. Saylor

By Daniel S. Saylor

Mar 12, 2026

Defining “Occupying” Under Uninsured Motorist Coverage: When Is a Person “Upon” a Vehicle?

Background In Gray v Federated Mutual, an unpublished decision, Plaintiff was working as a tanker-truck driver for Watkins Oil Company, Inc. His job...

Brittany C. White

By Brittany C. White

Feb 19, 2026

Court of Appeals Interprets MCL 500.3114(5) and (6) Priority Provisions

Multiple motor vehicle collisions occurred during a chain reaction accident on the Southfield Freeway.  During that chain reaction one of the motor...

Christian Huffman

By Christian Huffman

Jan 21, 2026

Court Considers Conflict Between Insurance Policy and MCL 500.3114(1)

Introduction and Procedural Background In Isovsa v Fitzpatrick, et al, Plaintiff Muzafer Isovska challenged the Circuit Court’s granting summary...

Kelsey Lugin

By Kelsey Lugin

Dec 15, 2025

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