Michigan Auto Insurance Changes – What Buyers Need to Know

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. ...

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

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 ...

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Insurer Flexibility During COVID-19 – DIFS Encourages Premium Payment Grace Period

Authored by Lansing car accident attorney, Kevin Komar

By now, you may be feeling the pinch and possible insecurity in your short-term finances. As one of the household’s largest monthly bills, you may be worried about paying your automobile insurance premium right now, in particular. To add further insult to injury, under the current “Stay Home, Stay Safe” order, many Michigan families and small businesses aren’t even using those vehicles right now. Many are asking “why pay for insurance ...

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

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 ...

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Out-Of-State Drivers Involved in Michigan Accidents: Impacts of the Recent No-Fault Reform

Summer typically brings in a wave of tourism to Michigan as out-of-state visitors flock to our state’s many shorelines and recreation sites. However, in 2020 these visitors could encounter surprises beyond just lakeshore erosion. Effective July 1st, 2020, Michigan’s auto insurance law reforms will impact out-of-state drivers involved in Michigan car accidents, as well as Michigan residents.

Changes to Michigan’s No-Fault PIP Benefits

Before Public Acts 21 & 22 were passed, out-out-state residents injured in ...

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Risks of Using Car Insurance Tracking Devices

You’ve probably seen advertisements for them everywhere. Or maybe your agent has filled you in on a “great way to save on your car insurance!” At the cost of a fractional reduction in your insurance premium, you’re asked to install a device in your car or an app on your phone that tracks your every movement and “rewards safe driving!” But don’t get caught up in the gimmicky marketing ploys – the risks of using car insurance tracking devices abound!

Drive ...

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Delay, Deny, Defend – Tactics Insurance Companies Use to Avoid Paying Claims

You paid your car insurance premiums faithfully. You chose an insurance company you thought would have your best interests in mind. But now, you’ve found yourself in a complicated situation. You’ve been in a car accident and your auto insurance company – and the security it was supposed to provide – is suddenly nowhere to be found.

Although auto insurance companies lure customers in through supportive slogans promising a neighbor-like reputation, their actions following an accident can seem anything but. ...

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Tips for Buying Auto Insurance – Michigan’s Mandatory and Optional Coverages

The price of auto insurance has been a major debate in Michigan over the last couple of years. And while cost is important, a cheaper policy often means insufficient coverage in the event of a car crash. Bryan Waldman, whose practice specializes in handling Michigan auto accidents, recently appeared on WLNS 6 “Legal Edge” to offer a few tips for buying auto insurance. The first step to buying your auto insurance is understanding the different coverages – both mandatory and ...

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Business Vehicle Insurance – Steps to Take to Ensure Correct Coverage

Authored by Michigan personal injury attorney, Kevin Komar

You might be a carpenter, electrician, or mason. You have worked your fingers to the bone day-after-day, year-after-year to become your own boss and build a successful business. You’ve put in nights and weekends to create the foundation upon which your business now stands. For those efforts, we applaud you. But you also need to make sure your business won’t unravel in the blink of an eye. We’re talking about business vehicle ...

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Auto No-Fault Intentional Injuries Exclusion – You Don’t Have to Prove Innocence

To understand the intentional injuries exclusion, you must first familiarize yourself with the basics of Michigan’s auto no‑fault law. While oftentimes shrouded in mystery, Michigan’s no-fault law, at its core, provides every resident injured in auto-related accidents certain financial and medical insurance benefits with very limited exception. Intentional injuries are one of the exceptions insurance providers attempt to exempt injured parties from obtaining benefits. These benefits pay for accident-related medical care and certain financial losses resulting from a collision. No-fault ...

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