Michigan Auto Insurance Rates: How Are They Determined?

If you drive a motor vehicle, you already know that Michigan auto insurance rates are reportedly among the highest in the nation. Why is this?

Many place blame for costly auto insurance in Michigan on the state’s no-fault system, which pays a car accident victim’s medical expenses for as long as needed, in addition to other benefits that help with the victim’s recovery. However, it’s important to recognize that various other factors also influence Michigan auto insurance rates.

One factor that ...

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Sinas Dramis Featured In Michigan Innovative Health Magazine

The Sinas Dramis Law Firm has been prominently featured in the pages of Michigan Innovative Health Magazine. As leading authorities on the auto no-fault insurance system, the Sinas Dramis team of Michigan car accident attorneys provided the content for the publication’s Summer 2017 edition, which focuses on Michigan no-fault law.

Michigan Innovative Health Magazine is a quarterly publication that offers information on wellness and healthcare, particularly for veterans, seniors, youth, disabled persons and the catastrophically injured. The Summer 2017 ...

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Stephen Sinas Leads Michigan No-Fault Insurance Webinar

Lansing auto accident attorney Stephen H. Sinas discussed the history, purpose and future of Michigan no-fault insurance, during a live webinar presented by Michigan Lawyers Weekly on July 25, 2017.

The program titled, “The State of No-Fault Insurance in Michigan,” was the first webinar that Michigan Lawyers Weekly has hosted, and Stephen was honored to be invited as the featured speaker.

Stephen is known as a leading authority on Michigan no-fault law. He is recognized across the state ...

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Why Michigan Drivers Should Choose “Uncoordinated” Auto Insurance

When you purchase a no-fault policy for your vehicle, your insurance company should give you the option of buying either uncoordinated auto insurance or coordinated auto insurance.

The question then becomes, what’s the difference? And which type of policy do you choose?

The difference is this. If you have uncoordinated auto insurance coverage, your Michigan no-fault insurance is primary and pays first if you’re injured in a car accident. On the other hand, if you have coordinated no-fault coverage, ...

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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

Suffering a Michigan car accident injury 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 ...

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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 accident.

While there are many things you will need to handle after the crash, including seeking medical attention for any car accident injuries, 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 ...

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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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