Can You Insure A Car You Don’t Own?
April 15, 2025
You can insure a car you don’t own in Michigan. The auto No-Fault law doesn’t require that auto insurance be personally purchased by a vehicle’s owner. If there’s a valid No-Fault policy on a vehicle – regardless of who bought it – then the owner will be considered “insured” if injured in a car accident. […]
Changes to Your Health Insurance Will Affect Your Auto Accident Medical Care and Treatment
January 7, 2025
As the new year approaches, many employers offer new enrollment options for employee health insurance plans. It is essential to understand that these changes can impact your No-Fault medical benefits following a car accident. One significant effect is that it may limit your ability to receive treatment from your preferred doctor. For this reason, it is […]
Michigan Lost Wages Claim From Car Accident: What You Need To Know
September 26, 2024
A lost wages claim after a car accident in Michigan provides a financial lifeline for victims whose injuries have disabled them from returning to work.
What is PIP Insurance in Michigan (Personal Injury Protection Insurance)?
May 10, 2023
PIP insurance (personal injury protection) is the auto insurance coverage that pays for accident-related injury expenses after a car accident.
Hourly Rate For Attendant Care Guidelines For Michigan
April 21, 2023
There is no uniform or legally-mandated hourly rate for attendant care in Michigan. Factors that will influence the rate include: (1) the “reasonableness” of the rate; (2) the injury involved; (3) the assistance required; and (4) the limits set by the No-Fault fee schedule. Typically, the hourly rate for attendant care will be determined either […]
Duggan’s $25K No Fault PIP Choice Cap won’t cover medical, wages
September 28, 2017
How can Duggan, Leonard’s No Fault Driver’s Choice Plan work with a $25,000 cap that fails to even cover the average No Fault medical claim or one year of wage loss benefits?
Court finds State Farm unreasonably denies PIP benefits to auto accident victim
May 19, 2016
State Farm “not worthy of belief” says Michigan Court Of Appeals in Gardner v. State Farm I don’t pick on State Farm. It’s just that as a No Fault insurance lawyer who writes an auto law blog, State Farm gives me so much to write about. And as a practicing attorney in the trenches, both […]
Is this the biggest mistake MI No Fault lawyers make in PIP litigation?
October 2, 2014
130-year-old ‘mend the hold’ doctrine can stop auto insurers from changing tune on why they denied PIP benefits after a car accident If you’re an attorney, and you’ve ever represented a person in Michigan in a No Fault lawsuit after their own insurance company denied No Fault benefits and cut them off, then I bet […]
When should I choose primary medical PIP benefits?
December 3, 2013
Insurance attorney gives 5 tips to why primary medical PIP Benefits in No-Fault states can protect drivers As an insurance lawyer, I read auto insurance policies every day (yes, I do realize reading insurance contracts is not the most glamorous part about being a lawyer). But this does give me a unique insight and I […]
My auto insurer has offered me money to close my No-Fault (PIP) claim, eliminate future no fault benefits. What should I do?
February 19, 2013
Why it’s not a good idea for you to cash out your No-Fault claim after a car accident, even when your attorney wants to Insurance companies want to close out no fault PIP claims. And for years they have offered a little “sweetener” – some additional sum of money – to people injured in car […]
Who pays my PIP benefits if I’m injured in a car accident while in a limo, ambulance or shuttle bus?
April 13, 2012
Michigan’s No-Fault law delineates the insurance required to pay your PIP insurance benefits when occupying limousines, airport shuttles, etc. This is the third blog in my series about who pays No-Fault PIP benefits for people who are injured in auto accidents under different scenarios. Michigan has “priority” laws – rules contained in our No-Fault Act […]
Get Claims Adjuster’s PIP File in Every No Fault Case
April 4, 2012
There is gold in PIP files. Here, PIP stands for personal injury protection, as in, personal injury protection benefits related to no-fault auto insurance. There are only 4 or 5 law firms that really understand no fault litigation in Michigan, and for these firms, the importance of getting the insurance company’s PIP File is known […]