Not many people know about uninsured or underinsured motorist coverage. Uninsured motorist coverage covers you when you are injured as a result of a driver who did not have insurance, a hit and run driver, or a driver of a stolen car. Uninsured motorist coverage is provided by your own…
Below is an entry from State Representative Howrylak’s newsletter from March 2014 regarding bill HB 4612. Automobile No-Fault Insurance I have previously written about proposed changes to Michigan’s automobile no-fault insurance system. The prior version of the bill (HB 4612) did not have support in the House. A new substitute…
Last week the Senate rushed SB 248 and 249 through the insurance committee. The bills were voted out of committee and passed by the Senate. These bills significantly affect our current automobile no-fault insurance system, including, most significantly, the Michigan Catastrophic Claims Association (CAT Fund). The bills have been sent…
We previously discussed the dangers of distracted driving. Recently, AAA released another study that suggests that falling asleep while at the wheel is also a more common danger than you might think. In the study AAA found that 2 out of 5 drivers admitted to having fallen asleep or nodded…
As the law stands right now 90% of all slip and falls on another person’s property, commercial, private or otherwise, are not compensable. There is simply no liability. The growing concept known as open and obvious, expands to every hazardous condition that can be seen upon causal inspection, including the…
If you were hit by an underinsured motorist, please note that you are not out of luck! The plaintiff is allowed to recover from his or her own auto insurance carrier for the damages sustained in an auto accident with an underinsured driver. You will know when the at-fault driver…
The Michigan No-Fault Act mandates insurance coverage as a prerequisite when registering your vehicle. However, many people choose not to insure their vehicle, thus are driving Uninsured. Michigan State Legislature ensures that the victims of a negligent uninsured motorist have a source of recovery for their third-party claims. Michigan law…
The Michigan No Fault law provides that if the motor vehicle involved in an accident is a parked vehicle, the injury will not be viewed as arising out of the ownership, operation, maintenance, or use of a motor vehicle unless one of the following 3 circumstances exists: The vehicle was…
When filing a No-Fault Complaint in Michigan, there are typically two main claims that arise. The injured has No-Fault rights between a claim against the no-fault insurer also known as a First Party Claim, and a claim against the negligent at-fault driver also known as a Third Party Claim. A…
Work Loss Benefits are available to you following missed work due to your motor vehicle accident. Wage loss benefits are provided to replace lost employment income. This requires your first-party insurers to pay work loss benefits in the event of injuries causing disability from employment. The reason for this is…