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20 September
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Recommended Michigan Car Insurance and the New No-Fault Law

Posted by Steve and Tom Sinas
in Auto Insurance, Auto No-Fault
Sinas Dramis insurance buying recommendations

Michigan’s new auto no-fault law is now in full effect, and many new car insurance options are available for consumers to purchase for the first time since the 1970s. The choices many people will make in response to the new auto insurance law will be dictated by the harsh economic reality of cost. People can only buy what they can afford. However, buying less than what is affordable will only invite disaster if the policyholder suffers a catastrophic injury that exceeds the selected no-fault PIP coverage levels or causes another person to suffer such an injury. As a law firm...

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06 August
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Importance of Underinsured Motorist Coverage and Michigan’s New Auto Law

Posted by Steve and Tom Sinas
in Auto Insurance, Auto No-Fault, Fox 17, In the Media
cars on highway, underinsured motorist coverage in text

We recently shared our auto insurance recommendations due to the consumer options available as of July 1, 2020. In that article, we recommended purchasing significant amounts of underinsured motorist coverage (UIM). This week on Fox 17 "Know the Law," Grand Rapids car crash lawyer, Tom Sinas, further explained the importance of underinsured motorist coverage and Michigan's new auto law, including a significant shift in the system leading to our recommendation of purchasing significant amounts of UIM. Should I Purchase Underinsured Motorist Coverage? First, it's important to know that underinsured motorist coverage is not mandatory but an optional add-on to your auto insurance...

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28 July
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Should I Opt-Out of PIP Coverage if I Have Medicare or Medicaid?

Posted by Steve and Tom Sinas
in Auto Insurance, Auto No-Fault
laptop and stethoscope in background

Medicare Recipients and the Auto No-Fault Opt-Out Option Seniors can now opt-out of no-fault PIP expense benefits if they: are covered under both Parts A and B of Medicare; and their spouse and any resident relative has Medicare "qualified health coverage" or has coverage under a separate no-fault policy. Furthermore, Medicare recipients injured in a motor vehicle accident who opt out of no-fault PIP benefits will not be able to receive any no-fault coverage through the Assigned Claims Plan. However, they may be entitled to Assigned Claims Plan (ACP) coverage if injured in a collision as a non-occupant or pedestrian.  Coverage under...

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30 June
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Motorcycles and the New Auto No-Fault Law

Posted by Steve and Tom Sinas
in Auto No-Fault, Fox 17, Motor Vehicle Crashes, Motorcycles, WLNS 6
Motorcycle handlebars riding on road

We've been talking a lot about the changes happening to Michigan's auto no-fault law. You can read all about these changes to our no-fault system here. Additionally, our firm created "Making Smart Choices" - a comprehensive guide to helping consumers make educated auto insurance decisions. Many are also wondering about motorcycles and the new auto no-fault law. This article will give you the basics. Grand Rapids Motorcycle Accident Lawyer Tom Sinas and Lansing Motorcycle Accident Lawyer Bryan Waldman both spoke to the media about the new auto insurance impacts on motorcyclists. Tom Sinas on Fox 17 "Know the Law" in West Michigan Bryan...

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25 June
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What is a Medical Lien – Health Insurance Liens and Car Accident Settlements

Posted by Steve and Tom Sinas
in Auto Insurance, Auto No-Fault, Fox 17
Healthcare professional holding clipboard and person in bed

If you've been injured in a car accident because of a negligent or reckless driver, you may consider pursuing a liability claim against them. But did you know that your personal health insurer might ask for reimbursement for medical expenses from that liability settlement? In a recent "Know the Law" segment, Grand Rapids car crash lawyer, Tom Sinas, answers the question "what is a medical lien?", explaining how health insurance liens and car accident settlements work. What is a Medical Lien? To understand health insurance liens, you must first understand how personal injury claims work. When a person is injured, their health...

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15 June
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The Intersection of Grunge Rock and Auto Liability Threshold Law

Posted by Steve and Tom Sinas
in Auto Insurance, Auto No-Fault
person play guitar in background

By Grand Rapids auto crash lawyer, Tom Sinas On 1994’s Vitalogy, Pearl Jam’s frontman Eddie Vedder sings a refrain at the end of the album’s seminal track, Corduroy: “Everything has changed, absolutely nothing’s changed.” Little did the singer know that those words would summarize changes to third-party automobile threshold law courtesy of the 2019 no-fault overhaul known as Public Acts 21 and 22. Changes to Serious Impairment of Body Function Requirement Under the New No-Fault Law So how did everything change? For the first time since 1995, the statutory definition of “serious impairment of body function” was revised.  Under the former version of...

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21 May
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Michigan Auto Insurance Changes – What Buyers Need to Know

Posted by Steve and Tom Sinas
in Auto Insurance, Auto No-Fault, Fox 17
speeding headlights on dark highway at night

Join Grand Rapids auto accident attorney, Tom Sinas, in this Fox 17 "Know the Law" special series highlighting the Michigan auto insurance changes and new purchasing decisions. By now, almost everyone in Michigan knows that our state's auto insurance law was reformed last year. The reform introduced vast and sweeping changes to the system as we know it. Many of those changes, however, haven't impacted consumers yet, but are about to do so. For auto insurance policies renewing after July 1, 2020, consumers will need to make these new purchasing decisions. In the weeks ahead, Tom Sinas will cover many of the...

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23 April
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What is a Threshold Injury? No-Fault Reform Provides Further Clarification

Posted by Steve and Tom Sinas
in Auto No-Fault, Motor Vehicle Crashes
man with arm injury working on laptop

[vc_row triangle_shape="no"][vc_column][vc_column_text] Authored by Grand Rapids auto accident lawyer, Tom Sinas What is a threshold injury? If you've been injured in a motor vehicle collision, have heard this term tossed around, and are confused and wonder what it means, we have good and bad news. The bad news is, you're not alone. Threshold law has been the source of great debate in Michigan amongst practitioners and judges throughout the years. It seems that as soon as the courts settle on what constitutes a "serious impairment of body function," an appellate decision upends that definition. The good news, though, is that we seem...

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20 April
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When Chaos Devolves into Anarchy: The Hot Mess of Public Acts 21 and 22

Posted by Steve and Tom Sinas
in Auto No-Fault
Pubc Acts 21 and 22 Michigan no-fault reform

Authored by Grand Rapids car crash lawyer, Tom Sinas Every parent knows that when a child makes a mess, the only thing worse than the mess itself is when the child tries to hastily clean it up. The net result is what some affectionately call a "hot mess." With the legislative overhaul of the no-fault law in 2019, also known as Public Acts 21 and 22, Michiganders are left with what can only be described as a hot mess. Priority Scheme Upended There is no better example than what has happened regarding the so-call "priority" scheme, i.e., the rules determining where an auto...

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