Michigan Sets Insurance Requirements For Uber, Lyft Drivers

For several years, ride-sharing companies like Uber and Lyft have been operating in Michigan without any statewide regulation, leading to auto insurance coverage concerns, as well as liability insurance questions, in the event a driver is involved in an accident.

But that’s all about to change on March 21, 2017, when Public Acts 345, 346, 347 and 348 go into effect.

What do these new laws do? They basically create a framework under which ride-sharing companies, ...

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Michigan Auto Accident Deaths Jump 19% Since 2014

Last year may have been the deadliest year since 2007 for people traveling the nation’s roadways, based on preliminary data from the National Safety Council. The early numbers also show an increase in Michigan auto accident deaths: there were 1,064 fatalities on the state’s roads in 2016, compared to 893 deaths in 2014 — an increase of 19 percent over the two-year period.

The NSC reports that, in 2016, some 40,200 people across ...

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Extending Michigan’s “One-Year-Back Rule” Will Help Reduce No-Fault Litigation

By Stephen H. Sinas

As the Legislature debates revising the Auto No-Fault Insurance Act, there is one simple change that will vastly improve the no-fault system: extending Michigan’s “one-year-back rule.” If people have more time to resolve payment disputes with their auto insurance companies, it will help reduce unnecessary no-fault litigation.

The one-year-back rule in MCL 500.3145 says that, for any medical expense unpaid by a no-fault insurance company, if a lawsuit is not filed against the insurance company ...

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Coordinated No-Fault Benefits: No More Payment Delays For Medical Providers

By Dan James, Katie Tucker & Dan Zick

During the past year, medical providers have been operating under the notion that, when a patient has coordinated no-fault benefits, they had to first appeal the denial of the patient’s health insurance coverage before seeking payment for their services under Michigan’s No-Fault Act.

When it comes to coordinated no-fault benefits where health coverage is denied, an appeal of that denial can take months. This means that many medical providers have been under ...

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What Is “Reasonable Proof” Under The Michigan No-Fault Act?

Since being enacted more than 40 years ago, the Michigan No-Fault Act has been rather difficult to understand and apply. But despite the Act’s overall complexities, there are some no-fault concepts that have retained their elegant simplicity — and one of these is “reasonable proof.”

Under the Michigan No-Fault Act, an insurance company is required to pay personal protection insurance (PIP) claims within 30 days of receiving “reasonable proof of the fact and of the amount of loss sustained.” ...

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Where Are The Most Dangerous Roads In Michigan?

Michigan roadways present many challenges for motorists, especially during the busy summer travel season and the treacherous winter months. Do you know which roads are considered some of the most dangerous in Michigan?

In an effort to educate the public about the most dangerous roads in Michigan, Sinas Dramis has launched a campaign called “Understanding Dangerous Roads.”

Throughout the campaign, our attorneys will identify the most dangerous roads in Michigan by collecting and analyzing car crash statistics. Videos are also created that ...

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Letting Drivers Choose Their Michigan No-Fault Medical Benefits Is A Healthcare Gamble

A proposal to let drivers choose their Michigan no-fault medical benefits when they buy their auto insurance is nothing short of a healthcare gamble, and would end up leaving many car crash victims without enough coverage.

House Bill 5951, introduced by Rep. Jason Sheppard (R-Temperance), seeks to change Michigan’s auto no-fault system and the guarantee of unlimited lifetime medical benefits for those who are catastrophically injured in car accidents. The legislation proposes that four levels of medical coverage be ...

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When Do Michigan Drivers Need To Buy Rental-Car Insurance?

It can be pricey to rent a car. On top of paying for the vehicle itself, you’re also asked whether you want to buy any rental-car insurance coverage. Question is, do Michigan drivers really need to purchase supplemental rental-car insurance?

The answer is “not always” — and here’s why.

First, Michigan drivers are required by law to have their own auto no-fault insurance, which:

  • pays for an injured person’s reasonable medical expenses, for life.
  • applies to the policyholder, the policyholder’s spouse and any ...
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Can You Get No-Fault Benefits & Damages In A Michigan Hit-And-Run Crash?

No one ever anticipates being in a hit-and-run crash where the other driver flees the scene. If you’re injured in a Michigan hit-and-run car accident, one crucial question is whether you’re entitled to no-fault benefits to pay your medical bills, replacement services and any lost wages.

Another important question is whether you can recover damages for your non-economic loss, like pain and suffering or loss of enjoyment, even though you don’t know who hit your vehicle.

No-Fault ...

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Parents, Talk To Your Teenagers About Distracted Driving

FACT: Distracted driving is involved in 6 of 10 crashes that seriously injure teenagers.

FACT: Parents influence their teen’s driving habits more than they think.

 

One week every October is designated as National Teen Driver Safety Week, helping to raise awareness about the dangers of distracted driving and preventable teenage deaths and injuries on the roads. It also offers parents an excellent opportunity to talk to their teens about safe driving habits.

Studies show that only about 25 percent of parents ...

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