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Recent Appellate Decisions Dismantle Weapon Used by Insurers to Take Away No-Fault Benefits

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Since 2014, no-fault insurers have been deploying a ruthless weapon against people injured in a motor vehicle accident: identifying what insurers believe to be false statements in the processing of PIP claims and then seeking to void the entire underlying insurance policy. This has resulted in terminating all auto no-fault PIP benefits and, for some, impairing the ability to pursue a liability claim. The weapon was created by the Michigan Court of Appeals’ decision in Bahri v. IDS Prop Cas Ins Co, 308 Mich App 420 (2014).  Yet recent appellate decisions have substantially dismantled it. Haydaw v. Farm Bureau Ins Co,...

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New Auto Liability Insurance Limits, New Complexities

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2020 was so dizzying that it is hard to keep track of the many changes in our lives. You are thus in good company if you did not notice that automobile liability insurance limits underwent a historic change, courtesy of the auto no-fault overhaul known as Public Acts 21 and 22. The Acts became law in 2019, but the most significant phase took effect on July 1, 2020. On that day, auto no-fault insurers could start issuing policies with limited no-fault PIP benefits. On that same day, auto insurers were required to issue new policies with substantially increased minimum liability requirements. New...

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Won’t My Health Insurance Cover My Car Accident Injuries?

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[vc_row triangle_shape="no"][vc_column][vc_column_text]In Michigan, we must purchase insurance for ourselves if we are going to be operating our vehicles on public roadways. Up until mid-2020, when the changes to the Michigan auto no-fault system largely went into effect, auto insurance policies included lifetime unlimited medical coverage for ourselves and our resident family members. This unlimited no-fault PIP medical coverage paid for medical expenses incurred as the result of injuries sustained in a motor vehicle collision, regardless of who caused the accident. However, as a result of the recent auto no-fault reforms, Michigan residents can now purchase varying levels of no-fault insurance...

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