Michigan Catastrophic Claims Fee: Where Does Your Money Go?

Legislation Would Make State-Operated Fund More Transparent

If you have no-fault insurance, you currently pay an annual $170 Michigan catastrophic claims fee for each vehicle that you insure. The payment is in addition to your auto insurance premium.

Where does the money go? It goes into a statewide fund that’s managed by the Michigan Catastrophic Claims Association (MCCA). The association sets the yearly fee and uses the money to reimburse insurance companies for no-fault benefits paid to those who are ...

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Car Accident While Working? Get Proper Compensation For Your Injuries

Being injured in a car accident while working can be a very stressful time. Not only are you temporarily unable to earn a living, but you are also most likely in physical pain and may be suffering emotional trauma.

In addition to your physical, emotional and financial concerns, you will also need to file certain claims to make sure you’re adequately compensated for your work-related car accident.

Car Accident While Working: Getting Compensation

Basically, there are three primary sources of compensation for a ...

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Attorney Jon Homa Joins Sinas Dramis Auto No-Fault Team

We are pleased to announce that attorney Jon Homa has joined the Sinas Dramis Law Firm as the newest associate in the Lansing office.

As a Michigan personal injury lawyer, Jon focuses primarily on handling cases involving auto no-fault law. He represents plaintiffs from across the state who are injured in motor vehicle collisions, trucking accidents, motorcycle crashes and bicycle accidents.

In addition, Jon handles claims involving constitutional rights, particularly alleged civil rights violations.

Before ...

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Why Your Car Accident Police Report Is So Important

After a car crash, you’ll likely be shaken up and thinking of many things. It’s understandable that you may find yourself asking what you should do after the car accident.

While there are many things you will need to handle after the crash, one of the most important is getting a copy of the police report.

Here’s why.


Why The Police Report Is Needed

The main reason you need a copy of the police report is this: you must provide it to ...

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Car Accident In Another State: Does Michigan No-Fault Insurance Apply?

Summer is almost here, and many Michigan families will be driving the nation’s highways to reach their vacation destinations, and to visit family and friends. During their travels, some of these motorists will unfortunately be involved in a car accident in another state. The question then becomes: does their Michigan no-fault insurance cover the out-of-state crash?

In general, the answer to this question is “yes” — Michigan no-fault coverage does typically apply to a car accident in another state.

However, ...

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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 all this changed on March 21, 2017, when Public Acts 345, 346, 347 and 348 went into effect.

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

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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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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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