If your car was stolen in Michigan, there is a good chance your insurer will deny your auto theft claim and they will get away with it. And you can predict if your claim will be denied by checking the color of your skin.

I primarily handle lemon law claims but I get calls about all kinds of other “car” cases. I often hear from auto theft victims whose claims have been denied by their insurance companies. Most often, the callers are black and live in Detroit. Which is ironic, since insurers make Detroiters pay insane rates.

And yes, I used the word “ironic” correctly. You see: They charge more since they claim the risk is higher. But then they deny the claims at a higher rate than the denials in the suburbs.

But worse, in Michigan you have few remedies and you will never be made whole if you have to sue your insurer. And, since they know that, they are even more likely to deny your claim.


Lansing won’t help. And it is the same in many other states across this great nation. It’s a mess, but I do my best to unravel it in this week’s podcast.

Here is the audio:


And the video:

Follow me on Twitter: @stevelehto

Hear my podcast on iTunes: Lehto’s Law

Steve Lehto has been practicing law for 24 years, almost exclusively in consumer protection and Michigan lemon law. He wrote The Lemon Law Bible and Chrysler’s Turbine Car: The Rise and Fall of Detroit’s Coolest Creation.


This website may supply general information about the law but it is for informational purposes only. This does not create an attorney-client relationship and is not meant to constitute legal advice, so the good news is we’re not billing you by the hour for reading this. The bad news is that you shouldn’t act upon any of the information without consulting a qualified professional attorney who will, probably, bill you by the hour.