Harts v. Farmers Insurance Exchange

We granted leave in this case to determine whether a licensed insurance agent owes an affirmative duty to advise or counsel an insured about the adequacy or availability of coverage. We hold that, except under very limited circumstances not present in this case, an insurance agent owes no such duty to an insured. We therefore affirm the decision of the *3Court of Appeals, which affirmed the trial court’s grant of summary disposition in favor of defendants.

I. facts and proceedings

In early 1993, plaintiffs, Tyrone and Gloria Harts owned a Chevrolet Cavalier that was covered by a policy of…