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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Lansing, Grand Rapids Personal Injury Lawyers Discuss Michigan Car Accident Laws

Three Sinas Dramis Law Firm attorneys recently spoke about Michigan car accident laws at the 13th Annual No-Fault Institute in Detroit.

Personal injury attorneys from across the state gathered at the two-day event, and were advised by presenters to “stay focused” because “things are getting blurry.”

The conference, presented each year by the Michigan Association for Justice, was coordinated by Lansing personal injury attorney George Sinas and Farmington Hills lawyer ...

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The “Step-Down” Auto Insurance Clause: Every Michigan Family’s Nightmare

Michigan drivers purchase auto no-fault insurance not only because state law requires it, but also to protect themselves and their loved ones in the event of a crash. When buying insurance, drivers usually think their policy will not only cover them in an accident, but will also cover their family members who are injured while riding with them.

Unfortunately, that’s not always the case — and many Michigan families aren’t finding out until it’s too late.

Here’s the deal. Some ...

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Michigan Motorists: Protect Yourself From Lousy, Uninsured Drivers

As many as 21 percent of Michigan motorists are driving their cars without any auto no-fault insurance, even though it’s required by state law. What does this mean for you? It means you have a 1 in 5 chance of being in a car crash with an uninsured driver. And because these drivers are uninsured, you may not be fully compensated for your injuries.

Under Michigan’s no-fault insurance system, when you’re injured in an auto accident, you typically ...

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Why Do Michigan Drivers Need Underinsured Motorist Coverage?

When you’re injured in a car accident, you typically collect no-fault benefits from your own insurance company. You might also get some benefits from the at-fault driver’s insurance provider. But sometimes the at-fault driver’s policy may not fully compensate you for your injuries. This is why Michigan drivers need to purchase underinsured motorist coverage.

Here’s the deal. Michigan motorists are only required to carry $20,000 in no-fault insurance coverage. These bare-bones policies are often capped at $40,000 per accident. ...

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Sinas Dramis Attorneys Teach Students About Michigan Auto No-Fault Law

Michigan auto no-fault law is tricky to understand, especially given the legislative changes in recent years and the numerous court decisions interpreting the No-Fault Act. That is why Lansing auto accident lawyers George Sinas, Bryan Waldman and Stephen Sinas take time out of their busy schedules to teach soon-to-be attorneys at Michigan State University College of Law about Michigan auto no-fault law.

The three attorneys, who are partners at the Sinas Dramis Law Firm ...

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