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Shopping for Michigan Auto Insurance?

July 14, 2009 by Steven M. Gursten

Insurance Lawyer Helps You Choose the Best

As a Michigan no-fault insurance lawyer , I know first-hand how badly many people are treated by their insurance companies. My clients have routinely had claims disputed or have been ignored for no given reason; forcing them to hire a lawyer for valid claims that should have been paid right away. Insurance companies in Michigan also put people “under investigation,” which has become the excuse for stopping payment of all medical bills and wage loss. People are even being lied to by their insurance claims adjusters – and adjusters can now legally get away with it.

That’s why it is no surprise to read in Sunday’s Detroit Free Press that Michigan consumer insurance complaints to state regulators jumped in 2008, according to a recent report from the Office of Financial and Insurance Regulation. Overall complaints to the state’s consumer hot line also increased from 2007 to 2008.

How Will Your Insurance Company Treat You After a Car Accident?

There is a bright side. Every Michigan driver can use dispute reports – compiled by the state of Michigan Workers’ Compensation Agency – from 2001 to 2007, as a valuable tool when shopping for auto insurance. In fact, this information is a fantastic resource that can shed light on how an insurance company will probably treat you if you’re ever involved in an car accident or truck accident in the future. The dispute reports can be found here.


Considering Farm Bureau? I wouldn’t! In 2007, Farm Bureau General Insurance Company disputed more than 97 percent of its claims. And Frankenmuth Insurance Company disputed more than 99 percent of its claims. Although these insurance companies have nice television commercials that are designed to make you feel warm and fuzzy, the compiled dispute forms are a far more accurate indicator of how these insurance companies “care for you” if you ever have to make a car accident claim: If Farm Bureau Insurance disputes nearly 100 percent of its claims, what do you think the odds are that they will pay yours voluntarily?

This is just the tip of the iceberg.

Although this addresses how insurance companies have been disputing workers’ compensation injury claims, this same behavior crosses over to how these same insurance companies handle their auto accident no-fault insurance and third-party injury claims as well.

To find out more about complaints filed about your insurance company, or one you’re considering, you can also visit the state of Michigan Department of Energy, Labor and Economic Growth. And if you have been mistreated by your insurance company, you can call 877-999-6442 to file a complaint.

Michigan drivers are required by law to buy no-fault insurance, but without bad faith laws or punitive damages to deter bad behavior by insurance companies, there is no penalty when insurance companies break their promises and fail to protect people injured in automobile accidents.

Remember, if you have been involved in a car accident or truck accident, or you are having problems obtaining your auto insurance benefits from your insurance company, please call Michigan Auto Law at (800) 777-0028 for a free case evaluation.

Steven M. Gursten is recognized as one of the nation’s top attorneys handling serious car and truck accident injury cases and automobile insurance no-fault litigation. He is head of Michigan Auto Law. Steve has received the largest jury verdict for an automobile accident case in Michigan in four of the past seven years, including in 2008, according to Michigan Lawyers Weekly.

Related information:

Why is My No-Fault Insurance So Expensive?

Dealing with Your Car Insurance Company

No-Fault Insurance Benefits

Your “Independent” Medical Exam Notice

Michigan Auto Law handles car accident, truck accident and motorcycle accident cases for more than 50 years and three generations. We have offices in Farmington Hills, Detroit, Ann Arbor, Grand Rapids and Sterling Heights. Please read our law firm quick facts.

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