Our MBL appellate team, led by Executive Partner Kaitlyn Cramer and Attorney Kim Cloud, successfully secured a reversal in the Michigan Court of Appeals after a priority insurer attempted to cancel a policy exactly 10 days before the cancellation date—contrary to MCL 500.3020 and clear precedent requiring notice to be mailed with reasonable certainty of arrival 10 days in advance.

The Court of Appeals agreed with MBL’s position, finding that the trial court relied too heavily on distinguishable cases and overlooked controlling precedent. The MBL legal team emphasized that priority insurers are bound by statutory procedural requirements and cannot carve out exceptions. As the Court noted, it would be equally inequitable to force the MBL client as the assigned insurer, to cover claims where the priority insurer failed to follow the law.

At oral argument, the panel engaged directly with MBL’s points and issued their opinion only one week later. The case is now remanded for entry of dismissal for the MBL client, despite significant claimed damages including multiple fractures, a large medical lien, wage loss, and other expenses.

Another excellent result for a long-time client – congrats!