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Michael Turner is suing Lakeshore Mutual Insurance Co. for benefits under his accident policy over a car accident on February 18, 2025.1 In his report of May 3, 2026 the orthopedic expert rated his permanent whole-person impairment at 19%, but did not address how it affects his work.2 The parties dispute when notice of the accident was given: Lakeshore Mutual denied the claim, among other grounds because the notice reached it late, while the complaint says the notice form went in within the policy's 30 days.13
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Lakeshore Mutual Insurance Co.22 June 2026
Missing from the case recordOpposing party's address
Without prejudice
Dear Sir or Madam,
Re: Turner v. Lakeshore Mutual Insurance Co., No. 26-CV-04821
We write in reply to your letter of June 16, 2026, which denies Mr. Turner's claim on the ground that he gave late notice of the accident 1p. 1.
Section 9.2 of the policy requires written notice of an accident "within 30 days of its occurrence" 2p. 12. Mr. Turner submitted the notice form on March 15, 2025, 25 days after the accident 3p. 6, and Lakeshore Mutual's own claims adjuster, Missing factthe adjuster's full name, confirmed on a recorded call that same day that the notice had been received 43:41.
The denial letter does not address section 9.4 of the policy, under which a notice submitted through the Company's online form is deemed given when it is sent 2p. 12.
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Gaps the writing assistant marked: 2
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Subject: Lakeshore Mutual's denial letter of June 16, 2026Copy the subject
Dear Michael,
Lakeshore Mutual has denied your claim on the ground that notice of the accident was late 1p. 1.
Section 9.2 of the policy requires written notice within 30 days of the accident 2p. 12, and your notice form went in 25 days after it 3p. 6. We will reply to the insurer this week, and can go through the options on a call whenever suits you.
Dear Michael,
Lakeshore Mutual has denied your claim on the ground that notice of the accident was late.
Section 9.2 of the policy requires written notice within 30 days of the accident, and your notice form went in 25 days after it. We will reply to the insurer this week, and can go through the options on a call whenever suits you.
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