Change to Slip and Fall Law in Michigan – Might You Now Recover?

For the past two decades, Michigan courts have ruled that persons who slip and fall on ice/snow have little or no right to recover from their landowner for their injuries. This is because the hazard created by snow and ice is “open and obvious” and, therefore, no duty to warn is owed to the injured person.  Typically, lawsuits seeking recovery for injuries suffered as a result of a slip and fall on sidewalks/parking lots have been summarily dismissed by trial and/or appellate courts under the “open and obvious” defense, which states that snow and ice are dangers that are readily apparent to all, and as such, no warning or remedial measures need to be taken by the owners of these properties. As an example, if a person is on his or her way to a grocery store and slips and falls on ice while traversing, they are out of luck as far as successfully suing the owner of the parking lot for failure to remove snow/ice or to adequately salt the area. However, an exception to this so-called “open and obvious” defense has been created by Michigan’s appellate courts.

Recently, the Michigan Court of Appeals has carved out a narrow exception to the “open and obvious” defense to premises liability claims. In Estate of Brenda Bowman and Derick Bowman v. Larry Walker and Rodney Lauderdale, No.355561 (Mich. Ct. App. Feb. 10, 2022), the Court held that a “special aspect” existed where a tenant, who needed to go to work, lacked the ability to safely leave her apartment to go to her place of employment due to an accumulation of ice and snow on the grounds of the rental property. The Court found the apartment complex in question potentially liable, without regard to the “open and obvious” defense, where the tenant needed to get to work and in doing so, the tenant needed to be able to safely exit her apartment.

In forming this opinion, the Michigan Court of Appeals relied heavily on the recent Michigan Supreme Court decision of Estate of Livings v. Sage’s Investment Group LLC, 507 Mich 328 (2021). The Estate of Livings decision, also carved out an exception to the open and obvious defense where an employee fell due to ice while trying to enter her place of employment.  Emphasizing the social importance of a person needing to get to their place of employment, the Michigan Supreme Court wrote:

Given that our state is prone to winter, it is reasonable to anticipate that many businesses will remain open even during bleak winter conditions. A landlord cannot expect that every one of its tenant’s employees will be permitted to stay home on snow days. Therefore, it is reasonable to anticipate that a person will proceed to encounter a known or obvious danger for purposes of his or her work. Accordingly, an open and obvious hazard can become effectively unavoidable if the employee confronted it to enter his or her workplace for work purposes.

Id. at p. 345.

These recent decisions by the Michigan Supreme Court and the Michigan Court of Appeals present a new exception to the “open and obvious” defense, changing the rules for slip and fall personal injury cases. Now, if a person who slips and falls while trying to get to work may have a cause of action where none existed prior to 2021 in limited circumstances. Given the current makeup of Michigan’s Supreme Court, more exceptions, or perhaps the elimination of the open and obvious defense altogether, may be anticipated.

If you have any questions, please contact  Emily or your Fraser Trebilcock attorney. Fraser Trebilcock lawyers have expertise in insurance law and would be happy to consult with you.


Emily M. Vanderlaan is a litigation attorney at Fraser Trebilcock handling all aspects of personal injury and property litigation. Emily has had great success in Michigan and Colorado trial courts and in the Michigan Court of Appeals. You can reach her at (517) 377.0882 or at evanderlaan@fraserlawfirm.com.

The Importance of Uninsured/Underinsured Motorist Coverage in Michigan

Michigan’s auto insurance law requires drivers/owners of motor vehicles operated on Michigan streets/roads to carry three types of coverage: Personal injury protection (PIP) for medical expenses/work loss, property protection, and residual bodily injury and property damage liability. While these coverages are mandatory, you should also consider purchasing uninsured and underinsured motorist insurance coverage. You may already have this coverage, but if you are not sure, it is recommended that you contact your insurance agent and discuss these coverages.

Why is Uninsured/Underinsured Motorist Insurance a Good Idea?

Unfortunately, it is a fact of life that there are uninsured drivers everywhere. When individuals or families struggle financially, auto insurance may be one of the bills they can’t afford to pay. They think or hope they can get away without it by avoiding getting pulled over or being involved in a crash.

The Insurance Research Council (IRC) found one in eight U.S. drivers were uninsured in 2019. The rate of uninsured drivers varies significantly from one state to the next. For example, while 3.1% of New Jersey drivers were uninsured, 29.4% of Mississippi drivers lacked auto insurance.

Michigan’s rate of uninsured drivers fell 10.1 percentage points between 2015 and ’19, according to the IRC. Yet, 25.5% of Michigan drivers were still uninsured in 2019.

Michigan changed its auto insurance laws, and the new requirements went into effect July 1, 2020. However, we don’t know yet whether those changes, especially the opportunity to pay reduced premiums, will lower the rate of uninsured drivers.

Uninsured motorist coverage is helpful if one of the many uninsured drivers causes a crash and you or a family member is injured or worse. Uninsured motorist insurance helps you when the other driver failed to do what the law requires: purchase automobile insurance coverage. The purchase of underinsured motorist coverage is important to consider as well.

What is the Difference Between Uninsured and Underinsured Motorist Coverage?

Underinsured motorist coverage provides you and your family protection when an at-fault driver causes injury or death, but has purchased an inadequate level of liability coverage. At present, an owner of a vehicle need purchase only $100,000 of liability coverage. Underinsured motorist coverage will make up the difference between what the at-fault driver’s insurance provides and the measure of your or your family member’s damages. In other words, underinsured motorist coverage covers the “gap” between the available coverage from the at-fault driver and your damages. Note: You must purchase underinsured motorist coverage at a level in excess of $100,000 or the coverage becomes “illusory” because if the at-fault driver is insured he/she must have had at least $100,000 of liability insurance. Thus, if you purchase only $100,000 of underinsured motorist coverage, there will be no “gap.” You will end up paying a premium when there is no real coverage.

Does Michigan Require Uninsured/Underinsured Motorist Coverage?

As stated above, Michigan does not require drivers to carry uninsured or underinsured motorist coverage. It’s entirely optional. It’s simply another way to protect yourself, given its relatively inexpensive premium for the coverage; it is a recommended optional coverage.

When Does Uninsured/Underinsured Coverage Apply to a Crash?

To use uninsured motorist insurance, you’ll have to show:

  • You were not more at fault in causing the accident than the other driver, and
  • The at-fault driver doesn’t have liability insurance, or
  • You were a victim of a hit and run.

To use your underinsured motorist insurance, you’ll have to show:

  • You were not more at fault in causing the accident than the other driver, and
  • You or your family member recovers the maximum benefits possible under the at-fault driver’s policy, and
  • The at-fault driver’s insurance policy is inadequate to compensate for your or your family’s damages.

In either case, you’ll have to give your uninsured/underinsured motorist insurance provider reasonable notice of your claim. How long you have to tell the company depends on your policy’s language. Do not wait, or delay. Good advice – contact an attorney that specializes in no-fault automobile insurance law soon after your or your family member’s accident.

When Can an Insurer Deny an Uninsured/Underinsured Motorist Claim?

Uninsured/underinsured coverage replaces the other driver’s liability insurance, or lack thereof. If you were the primary cause of the crash, then this type of policy will not cover your or your family’s claim of injury or death.

Should I Buy Uninsured/Underinsured Motorist Coverage in Michigan?

If your budget allows for additional auto insurance coverage, then yes. It’s a smart idea to invest in uninsured/underinsured motorist coverage to protect yourself and your family. It helps to avoid financial catastrophe in the event the at-fault driver has failed to either purchase insurance or has purchased liability insurance at an inadequate level.

If you have any questions, please contact Gary, Emily, or your Fraser Trebilcock attorney. Fraser Trebilcock lawyers have expertise in insurance law and would be happy to  consult with you or a family member at no cost.


Fraser Trebilcock Shareholder Gary C. Rogers has firsthand experience with car/deer accidents, having been involved in four himself; Gary is recognized as one of the top civil defense attorneys in the area of automobile related cases, and he has co-written Michigan No-Fault Law-The Insurers’ Perspective, a handbook for handling claims under Michigan’s No-Fault Automobile legislation. Gary can be reached at grogers@fraserlawfirm.com or (517) 377-0828.


Emily M. Vanderlaan is a litigation associate at Fraser Trebilcock serving some of the largest and most sophisticated insurers in Michigan. From case evaluation, to settlement negotiations, to trial and appeal work, Emily has experience representing insurance companies in a wide range of cases in Michigan state courts. You can reach her at (517) 377.0882 or at evanderlaan@fraserlawfirm.com.

Drivers Beware: A Seemingly Safe and Legal Driving Maneuver Could Come with Potentially Life-Changing Hazards

Red LightFor more than 30 years, Fraser Trebilcock attorney Gary Rogers has handled automobile negligence litigation. Recently, he has litigated a number of claims arising out of what you might think would be a rather safe driving maneuver – turning right on a red light, after determining there is no oncoming traffic. Continue reading Drivers Beware: A Seemingly Safe and Legal Driving Maneuver Could Come with Potentially Life-Changing Hazards