TROY, Mich. - A trustee for the estate of an insured failed to establish that an insurance agent breached his duty by procuring insurance that did not cover the insured given that he rode dirt bikes, when a different insurance would have covered him despite the fact that he rode dirt bikes, a Michigan appeals panel affirmed May 1 (Thomas R. Tibble v. American Community Mutual Insurance Co., et al., No. 314271, Mich. App.; 2014 Mich. App. LEXIS 816).