Stephens v. Worden Insurance Agency, LLC

At issue in this appeal is the statute of limitations applicable to a claim that an insurance agent secured insurance coverage other than that sought by the insured, leaving the insured liable under circumstances where he expected coverage. Such negligent-procurement and -advice claims sound in ordinary negligence, not malpractice. Accordingly, the three-year statute of limitations found in MCL 600.5805(10) applies. The claim accrued when the insurer denied the insured’s claim. As this lawsuit was brought within three years of the accrual date, we reverse the circuit court’s summary dismissal…