State Farm Beats Chiropractor’s Suit Over Denied Virus Coverage

Two State Farm affiliates ducked a chiropractor’s proposed class action over denied claims for pandemic-related business losses, after a federal judge in Michigan found the insurance policy doesn’t provide coverage for them.

Turek Enterprises Inc. failed to show that it suffered “tangible damage” that would trigger the policy’s coverage for “accidental direct physical loss,” Judge Thomas Ludington of the U.S. District Court for the Eastern District of Michigan said Thursday in an order granting State Farm’s motion to dismiss the case.

“‘Accidental direct physical loss to Covered Property’ is an unambiguous term that plainly requires Plaintiff to demonstrate some tangible ...