With the new changes to Michigan’s No-Fault auto insurance law that began on July 2, 2020, all drivers now face increased liability risk if they cause a serious car accident. The most significant change is that an “at-fault”...more
Depending on several factors, if you opted for a deductible on your policy for medical and wage loss benefits, then you will pay. Whether you have to pay a deductible on your collision coverage will depend on whether you were...more
People often ask me “how much car insurance do I need?”
Never has this question been more important than now. Michigan drivers now face the biggest changes in auto No-Fault insurance since the No-Fault Act was enacted in...more
1/29/2020
/ Asset Protection ,
Auto Insurance ,
Bodily Injury ,
Car Accident ,
Casualty Insurance ,
Consumer Insurance Products ,
Deductibles ,
Insurance Reform ,
Insurance Regulations ,
Liability Insurance ,
Medical Expenses ,
Mini-Tort Laws ,
Motor Vehicles ,
New Legislation ,
No-Fault Insurance ,
PIP Coverage ,
Policy Terms ,
Property Damage ,
Uninsured and Under-Insured Motorists
Before we start breaking out the bottles of champagne to celebrate the Michigan Catastrophic Claims Association’s announcement that it will reduce its MCCA fee by 55% from $220 to $100 under the new No-Fault law, I think we...more
Should I buy rental car insurance?
That’s the question that haunts so many of us as we stand at the rental car counter.
We’re standing at the rental counter and the rental agent asks us if we would like to purchase rental...more
Catastrophically injured car crash victims are concerned about how the new, rushed, and poorly drafted No-Fault law could affect the vital medical benefits coverage they receive through the Michigan Catastrophic Claims...more
Michigan’s new No-Fault auto insurance law, which took effect on June 11, 2019, affects car accidents with pedestrians in a very specific way.
Even if you own a car, at one time or another we’re all walking around on foot....more
7/23/2019
/ Auto Insurance ,
Car Accident ,
Lost Wages ,
Medical Expenses ,
Negligence ,
New Rules ,
No-Fault Insurance ,
Pain and Suffering ,
Pedestrian Accidents ,
PIP Coverage ,
Private Right of Action
For years, doctors’ and hospitals’ medical bills have been slashed by No-Fault insurers using the insurers’ own de facto medical-provider fee schedules -
How do doctors get paid by insurance companies under Michigan...more
4/5/2019
/ Auto Insurance ,
Car Accident ,
Damages ,
Explanation of Benefits (EOBs) ,
Health Care Providers ,
Insurance Claims ,
Medical Expenses ,
No-Fault Insurance ,
Physician Fee Schedule ,
Physician Payments ,
Physicians
House Bill 4397 to replace No-Fault with fault based system in tort, where crash victims would sue for medical expenses, lost wages due to injury...more
4/2/2019
/ Auto Insurance ,
Car Accident ,
Catastrophic Impairment ,
Common Law Torts ,
Lost Wages ,
Medical Expenses ,
No-Fault Insurance ,
Pain and Suffering ,
Proposed Legislation ,
Repeal ,
State Legislatures
Michigan House Republicans are planning a vote, perhaps as early as today – but I’ve just heard it is more likely to take place tomorrow – on new No-Fault reform legislation in lame duck. It is anticipated that lawmakers in...more
12/19/2018
/ Car Accident ,
Catastrophic Impairment ,
Damage Caps ,
Insurance Reform ,
Lame Duck Session ,
Legislative Agendas ,
Medical Expenses ,
Motorcycle Accidents ,
No-Fault Insurance ,
Political Parties ,
Private Right of Action ,
Remedies ,
Trucking Accident
Auto insurers balk at Detroit Medical Center CEO Conrad Mallett’s offer for a dollar-for-dollar price cut with hospital charges and No-Fault insurance premiums -
Did Detroit Medical Center CEO Conrad Mallett just call-out...more
So-called “Macomb Solution” to get rid of mandatory car insurance in Michigan and allowing drivers to elect to be uninsured is epically bad idea; financial ruin if a car crash occurs -
Macomb County Rep. Pete Lucido’s...more
Here is what a pure tort liability system will mean for car accident victims and drivers in Michigan -
Yesterday House Republicans introduced legislation to repeal Michigan’s 45-year-old No Fault auto insurance law and...more
2/8/2018
/ Auto Insurance ,
Car Accident ,
Catastrophic Impairment ,
Damages ,
Insurance Reform ,
Medical Expenses ,
No-Fault Insurance ,
Pain and Suffering ,
Proposed Legislation ,
Repeal ,
State and Local Government ,
State Law Tort Claims
Republican plan to repeal No Fault and return Michigan to a pure tort liability insurance state expected as soon as tomorrow -
House Republicans will introduce – maybe as soon as this Tuesday – a controversial plan to...more
Detroit News editorial on reforming No-Fault law makes up facts, avoids reality of how No-Fault system works -
The Detroit News at least got the title of its Tuesday editorial correct when it said, “Make auto insurance...more
Health insurance is full of landmines for unsuspecting car crash victims, who are subject to ‘auto exclusions,’ coverage limitations, managed care, HMOs and medical pre-approval requirements and ERISA liens....more
6/7/2017
/ Auto Insurance ,
Car Accident ,
Employee Retirement Income Security Act (ERISA) ,
Health Insurance ,
Insurance Reform ,
Medical Expenses ,
No-Fault Insurance ,
Payment Caps ,
Policy Exclusions ,
Political Debates ,
Self-Funded Health Plans
The Bahri decision is scaring doctors from treating car crash victims and their injuries. A real fix can only come from the Michigan Legislature....more
Does Mayor Duggan want to ‘repeal and replace’ Michigan’s auto No Fault law?
Does Detroit Mayor Mike Duggan want to scrap Michigan’s auto No Fault law?
Last night, during his State of the City address, the mayor...more
2/24/2017
/ Auto Insurance ,
Car Accident ,
Insurance Rates ,
Insurance Reform ,
Litigation Fees & Costs ,
Mayor Duggan ,
Medical Expenses ,
No-Fault Insurance ,
Proposed Legislation ,
Repeal ,
State and Local Government