Our law firm recently responded to a question submitted online from a lawyer representing a person injured in a car accident.  I am re-posting that question and answer below to educate others about Michigan Car Accidents and the “Innocent Third Party Rule” designed to protect injury victims from fraud and misrepresentation.

Here’s the scenario:  
An innocent person is injured in a car accident; it’s discovered later that the person who caused the accident committed fraud with his/her auto insurance company; that insurance company then refuses to pay for injuries caused by its own negligent insured.  

On February 14, 2008, the Michigan Court of Appeals ruled against State Farm Insurance Company on an important new uninsured motorist case (Suminski v State Farm).  State Farm, it seems, did not act like a good neighbor, which comes as no surprise to Michigan No Fault Attorneys.  The surprise with this case is that State Farm’s pattern of bad acts towards injured policy holders did not work in favor of the insurance company (this time).

There is a new auto new insurance company delay tactic in Michigan. Claims adjusters are putting innocent people “under investigation” to avoid or delay paying auto no fault insurance PIP benefits. These are lawful, reasonable, no fault claims made by people that were injured in Michigan car accidents. This blog explores how and why illegal delay tactics work for insurance companies, which companies deploy such tactics, what 3 options are available for injured people “under investigation”, and what Michigan Lawyers can do to help their clients.

Don’t let your insurance company shortchange you on medical mileage reimbursement after a car accident.

Medical mileage reimbursement is an important insurance benefit that is provided under the Michigan No Fault Act.  It is available to anyone injured in an automobile accident in Michigan, provided there is no fault insurance coverage for the car or truck involved in the motor vehicle accident.  Pedestrians hit by motor vehicles are also covered.   With gasoline prices now so expensive, doctor visits and physical therapy appointments frequently can result in thousands of dollars in mileage.   And insurance companies in Michigan are not reimbursing many of these claims at a fair rate.