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

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 ...

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

Dramatic changes are taking effect as we speak in our auto insurance system in Michigan. With no-fault reform signed into law in 2019, and consumer no-fault PIP level options becoming available this month, we’ve discussed the auto coverage recommendations we suggest everyone seriously consider purchasing. We haven’t, however, spent a lot of time discussing the groups who could potentially opt-out of no-fault coverage altogether, and what the consequences of doing so could entail. If you’re a Medicare or ...

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Recommended Michigan Car Insurance and the New No-Fault Law

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 ...

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Motorcycles and the New Auto No-Fault Law

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. In addition to a plethora of concerns about these changes and their impacts on motorists in Michigan, many are also wondering about motorcycles and the new auto no-fault law.

This week Tom Sinas ...

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

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 ...

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The Intersection of Grunge Rock and Auto Liability Threshold Law

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

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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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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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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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