Call Today (888) 369-5909

Category Archives: Michigan No Fault Insurance

Part II: What’s so bad about capping No Fault benefits?

My response as an insurance attorney helping car accident victims

Attorney Steven Gursten Michigan Auto Law

Those who disagree with me often accuse me of bias. Perhaps this is true. After all, I help the people who depend on No Fault. For nearly 20 years, I’ve seen firsthand the consequences of what happens to people and their families after serious automobile accidents. And as President of the Motor Vehicle Trial Lawyers Association for the last two years, I’ve traveled around the nation educating lawyers who handle car accident litigation; so I’ve been able to compare Michigan to many other states.

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , | Leave a comment

What’s so bad about capping No Fault PIP benefits?

Plenty! No guarantee of savings for consumers; financial ruin for injured; higher health insurance; taxpayer burden; more lawsuits

pip benefit cuts

It’s a fair question.  What’s so bad about capping No Fault PIP?  And as an insurance lawyer, it’s a question I hear often.

A recent question on Michigan Auto Law’s Facebook page reminded me that I’ve never answered this question on this blog.  Essentially, the question was what’s so wrong about capping No Fault PIP and medical benefits at $10,000 or $50,000 in this state.

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , | Leave a comment

Rep. Stacy Erwin Oakes, former Rep. Jim Howell: No Fault reforms are not “Pure Michigan”

For Howell, the dangers in Speaker Bolger’s “Substitute for HB 4612″ are personal: His son has brain injury from a catastrophic car accident

1620809_573875442681148_1777113513_n

State Rep. Stacy Erwin Oakes (D-Saginaw) and former State Rep. Jim Howell (Saginaw County) have been outspoken about their opposition to recent No Fault “reform” proposals. And for Mr. Howell, it’s personal.

His son, Sam Howell was in a car crash in February 2005 that put him in a coma for more than a year. He had a 3% chance of survival. Sam cannot walk on his own. He has a traumatic brain injury that affects how he communicates with people.

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , | Leave a comment

How do 3 different Michigan No Fault Insurance Reform plans compare?

Chart shows similarities and key differences between the “reform” plans backed by Gov. Snyder, House Speaker Bolger and Sen. Pappageorge

no-fault-comparison-hb-4612-bolger-sb-818

This past month, Michigan’s No Fault insurance laws were in the cross hairs, with plans introduced to drastically change parts of it introduced by House Speaker Jase Bolger and Sen. John Pappageorge. I’ve put together an informative chart that compares the similarities and big differences between the different proposals (including the earlier plan strongly backed by Gov. Rick Snyder and Rep. Pete Lund).

The plans I compared include:

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , , | 1 Comment

Is the Michigan Supreme Court biased in favor of insurance companies, against consumers and the injured?

New CPAN study shows auto insurers won 84% of major No Fault cases before Michigan’s highest court in last 10 years

MSC biased in favor of insurance companies

Attorneys who represent auto accident victims in this state have long suspected  that the deck is stacked against their clients  when they take their case before the Michigan Supreme Court.

Those suspicions are now confirmed, according to an excellent and timely new study by the Coalition Protecting Auto No-Fault (CPAN),  “Analysis of Michigan Supreme Court cases decided under the Michigan No-Fault Act within the past 10 years.”

Significantly, here’s what CPAN found:

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law, Michigan Supreme Court | Tagged , , | Leave a comment

“Low-Cost Automobile Insurance Pilot Program” under new No Fault “reform” plan

Not low cost and not a lot of coverage

Low Cost Automobile Insurance Pilot Program

The saying is: “You get what you pay for.”

With respect to the “Low-Cost Automobile Insurance Pilot Program” proposed by House Speaker Jase Bolger and the House Republicans in their latest No Fault “reform” draft plan called Substitute for HB 4612, it’s probable that folks who buy into the low cost pilot program will not even be that lucky.

Here’s why  (the page numbers below refer to the full, 91-page draft bill):

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , | Leave a comment

A witch hunt for medical providers under the new No Fault “reform” plan

Doctors, hospitals and other medical providers who treat injured auto accident victims will see more delay, denials, intimidation under House Speaker Jase Bolger’s plan

physicians-422

Given the “witch hunt”-nature of the provisions targeted at medical providers in Speaker Bolger’s and the House Republicans’ latest No Fault “reform” plan called Substitute for HB 4612, it’ll be a miracle if every doctor, hospital, clinic, therapist or other professional who currently treats auto accident victims won’t be scared off.

But then again, maybe that’s part of the plan!

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , , | 1 Comment

No jury trials for “reasonable” medical expenses under new No Fault insurance plan

Substitute for HB 4612: A law that strips accident victims of jury trials is only a law that an insurance company could love

Michigan jury box

House Speaker Jase Bolger isn’t very  familiar with the No Fault law as it currently exists, as evidenced by a recent conversation I had with him online in response to his editorial in The Detroit News on his proposed No Fault insurance “reform” plan.

Sadly, it looks like the Republican speaker and his press secretary aren’t very familiar with the Bill of Rights and the United States Constitution, either.

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , , | Leave a comment

Giving insurance companies a “get out of jail free” card when they harm people

Under House Speaker Bolger’s new No Fault “reform” plan, auto accident victims’ ability to seek redress when PIP benefits are denied or cut off is severely limited

get out of jail free card for insurance companies

House Speaker Jase Bolger’s “Substitute for HB 4612″ will make litigation even  more difficult for car accident victims when they must hire a lawyer to challenge wrongful denials and/or illegal cut-offs  of No Fault PIP insurance benefits.

Bolger’s plan has many new and  devastating restrictions on the legal rights of injured crash victims to seek No Fault insurance benefits when an insurance company refuses to pay valid claims or wrongfully cuts people off from medical care, wage loss and attendant care.

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , | Leave a comment

No Fault “reform” plan Substitute for HB 4612: Making it easier for auto insurers to deny, terminate auto accident victims’ PIP benefits

A playing field that already heavily favors insurance companies over auto accident victims will become even more unfair for consumers

unfair_field

As I wrote yesterday, the ideas put forth under Speaker Bolger’s Substitute for HB 4612 will make it harder for crash victims to recover PIP benefits they desperately need.  And it will make it easier for insurers to deny a legitimate claim.

Posted in Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , | Leave a comment