Kerry Lynn Zielinski v. Auto-Owners Insurance Company

CourtMichigan Court of Appeals
DecidedJune 11, 2026
Docket371692
StatusPublished

This text of Kerry Lynn Zielinski v. Auto-Owners Insurance Company (Kerry Lynn Zielinski v. Auto-Owners Insurance Company) is published on Counsel Stack Legal Research, covering Michigan Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Kerry Lynn Zielinski v. Auto-Owners Insurance Company, (Mich. Ct. App. 2026).

Opinion

If this opinion indicates that it is “FOR PUBLICATION,” it is subject to revision until final publication in the Michigan Appeals Reports.

STATE OF MICHIGAN

COURT OF APPEALS

KERRY LYNN ZIELINSKI, FOR PUBLICATION June 11, 2026 Plaintiff-Appellee, 3:38 PM

v No. 371692 Wayne Circuit Court AUTO-OWNERS INSURANCE COMPANY, LC No. 22-000435-NI

Defendant-Appellant.

Before: BAZZI, P.J., and RICK and MALDONADO, JJ.

MALDONADO, J.

In this no-fault action brought by plaintiff, Kerry Lynn Zielinski, for recovery of personal protection insurance (PIP) benefits after an automobile accident, defendant, Auto-Owners Insurance Company, appeals as of right the May 20, 2024 final order and judgment. After a jury found that medical bills relating to plaintiff’s neck surgery were owing and overdue to plaintiff, the trial court awarded plaintiff $11,797.65 in overdue allowable expense benefits, $1,547.65 in pre-judgment interest, $2,798.40 in penalty interest, $11,371.65 in taxable costs, and $288,090.00 in attorney’s fees.

On appeal, defendant argues that it is entitled to a new trial because plaintiff’s counsel erroneously referred to the drunkenness of the other driver in the subject accident, which prejudiced both the trial court and the jury. Defendant also argues that the trial court erred by awarding attorney fees to plaintiff under MCL 500.3148 because defendant’s refusal to pay for the neck surgery was based on a legitimate factual dispute. Moreover, even if attorney fees were appropriate, defendant argues that plaintiff failed to establish that the hourly rate and expended hours were reasonable, particularly because plaintiff’s counsel failed to keep contemporaneous records of their time. We affirm.

I. BACKGROUND

On January 21, 2021, plaintiff was rear-ended by another driver, Charles E. Watkins, as she was stopped at a red light. The force of the collision pushed her car into the car in front of her, which was also stopped at the same red light. Plaintiff was transported by ambulance to the emergency room at Oakwood Southshore Hospital. The next day, plaintiff reported the accident

-1- to defendant, her auto insurance company, claiming that she suffered a “slipped disc under her neck.” Defendant’s claim notes also indicate that plaintiff suffered “whiplash,” as well as a concussion and other injuries. Shortly after the accident, plaintiff also contracted a life-threatening bacterial infection that took months to manage.

In addition to the infection and the injuries sustained in the accident, plaintiff also had a lengthy, complicated, pre-accident medical history—including 19 prior spinal surgeries. Dr. Ayman Tarabishy began treating plaintiff in 2019 for pain management, primarily related to her lumbar spine. Dr. Tarabishy described plaintiff as “a lot more fragile and susceptible” than someone with a healthy spine. As part of plaintiff’s treatment, Dr. Tarabishy referred plaintiff to Dr. Christopher Elia for spinal surgery. Dr. Elia started treating plaintiff in December 2021 after the accident and after she recovered from the bacterial infection. Dr. Elia acknowledged that plaintiff had “a pretty extensive prior surgical history” and was treated for neck pain and cervical myelopathy1 before the subject auto accident. However, according to Dr. Elia, the prior surgeon “did a pretty good job decompressing her spinal cord,” so she “should have gotten better.”

Regardless, Dr. Elia opined that when he began treating plaintiff in December 2021, her current neck pain and cervical myelopathy were related to the subject accident. Dr. Elia further opined that the surgery he performed in February 2022 was necessary to treat the neck injuries that plaintiff sustained in the subject accident. In October 2023, Dr. Elia performed another surgery for plaintiff, this time on her low back to correct a “pretty extensive deformity.” He opined that the second surgery was also necessary to treat plaintiff’s injury from the subject accident. Dr. Elia explained that if plaintiff had not needed surgery on her neck in February 2022, “she likely would not have developed those biomechanics” that led to the corrective surgery in October 2023.

Plaintiff filed the subject lawsuit in January 2022 claiming unpaid PIP benefits against defendant and negligence against Watkins. In April 2022, defendant received medical bills from Michigan Head and Spine Institute for the neck surgery performed by Dr. Elia. In July 2022, in a letter corresponding with Medicare, defendant acknowledged that plaintiff had injured her neck in the subject accident and was treated for that injury. Defendant sent a nearly identical letter to Medicare in September 2022. Subsequently, defendant engaged Dr. Steven Kalkanis to perform an independent medical examination (IME).2 He did not actually examine plaintiff but rather engaged in a review of records related to her claim. In October 2022, after reviewing hundreds of pages of plaintiff’s medical records, Dr. Kalkanis concluded that “[t]here is simply no evidence to suggest that [plaintiff] suffered from any anatomic, traumatic, conformational, or radiographic

1 “Myelopathy is the medical term for spinal cord damage.” 2 We use the phrase “independent medical examination” because that is the phrase used by the parties to refer to the examination in question. However, in Micheli v Mich Auto Ins Placement Facility, 340 Mich App 360, 364 n 3; 986 NW2d 451 (2022), we observed this “appellation is a euphemistic term of art” and, at least in the insurance context, “an IME involves obtaining a second opinion from a doctor who is entirely selected and paid for by an insurance company, rendering the ‘independence’ of the examination somewhat questionable.”

-2- change or injury to the brain or cervical, thoracic, or lumbar spine as a result of the January 2021 accident.”

At some point, plaintiff also sent defendant the bill for her October 2023 back surgery performed by Dr. Elia at Spine and Brain Surgery Specialists, which apparently occurred after Dr. Elia left the Michigan Head and Spine Institute and opened his own practice. In November 2023, on the basis of Dr. Kalkanis’ report and “the entire claim investigation and review of all materials gathered to date,” defendant denied plaintiff’s bills from both Michigan Head and Spine Institute and Spine and Brain Surgery Specialists.

Following the denial, the case proceeded to a two-day trial, during which the jury heard testimony from plaintiff and two claims adjusters from Auto-Owners.3 The jury also heard the recorded deposition testimonies of Dr. Tarabishy, Dr. Elia, and Dr. Kalkanis. At the conclusion of the trial, the jury determined that plaintiff sustained an accidental bodily injury arising out of the operation of a motor vehicle. The jury also concluded that plaintiff’s medical bill from Michigan Head and Spine Institute for neck surgery was reasonable and necessary to treat her injuries, i.e., an allowable expense, and that payment was overdue. However, the jury determined that plaintiff’s bill for surgery on her low-back from Spine and Brain Surgery Specialists was not an allowable expense.

Plaintiff moved in the trial court for attorney fees. Defendant argued that plaintiff was not entitled to attorney fees because its denial of payment was reasonable, and even if fees were appropriate, plaintiff failed to properly support her fee claim. After a hearing on the motion, the trial court determined that fees were appropriate and that the reasonable hourly rate for the primary attorneys was $750.4 The case proceeded to an evidentiary hearing to establish the reasonable amount of hours expended on the case.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Moore v. Secura Insurance
759 N.W.2d 833 (Michigan Supreme Court, 2008)
Smith v. Khouri
751 N.W.2d 472 (Michigan Supreme Court, 2008)
Ross v. Auto Club Group
748 N.W.2d 552 (Michigan Supreme Court, 2008)
Van Every v. Southeastern Michigan Transportation Authority
369 N.W.2d 875 (Michigan Court of Appeals, 1985)
Wood v. Detroit Automobile Inter-Insurance Exchange
321 N.W.2d 653 (Michigan Supreme Court, 1982)
Genna v. Jackson
781 N.W.2d 124 (Michigan Court of Appeals, 2009)
In Re Ellis Estate
372 N.W.2d 592 (Michigan Court of Appeals, 1985)
Heaton v. Benton Construction Co.
780 N.W.2d 618 (Michigan Court of Appeals, 2009)
Campbell v. Department of Human Services
780 N.W.2d 586 (Michigan Court of Appeals, 2009)
Hunt v. Freeman
550 N.W.2d 817 (Michigan Court of Appeals, 1996)
Morales v. State Farm Mutual Automobile Insurance
761 N.W.2d 454 (Michigan Court of Appeals, 2008)
Shavers v. Attorney General
267 N.W.2d 72 (Michigan Supreme Court, 1978)
Reetz v. Kinsman Marine Transit Co.
330 N.W.2d 638 (Michigan Supreme Court, 1982)
Heshelman v. Lombardi
454 N.W.2d 603 (Michigan Court of Appeals, 1990)
Pirgu v. United Services Automobile Association
884 N.W.2d 257 (Michigan Supreme Court, 2016)
Augustine v. Allstate Insurance
807 N.W.2d 77 (Michigan Court of Appeals, 2011)
Brown v. Home-Owners Insurance
828 N.W.2d 400 (Michigan Court of Appeals, 2012)
Zaremba Equipment, Inc. v. Harco National Insurance
302 Mich. App. 7 (Michigan Court of Appeals, 2013)

Cite This Page — Counsel Stack

Bluebook (online)
Kerry Lynn Zielinski v. Auto-Owners Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/kerry-lynn-zielinski-v-auto-owners-insurance-company-michctapp-2026.