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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No-Fault Reform – Beware the Shiny Objects in 2019

No-fault reform was a hot topic in 2018. Despite falling short in last year’s lame duck session, the debate isn’t going anywhere in 2019. Tom Sinas, Grand Rapids car accident attorney and auto no-fault thought leader, recently penned an op-ed for the Grand Rapids Business Journal. In it, he warns consumers – be alert and informed, and remain on the lookout for shiny objects insurance lobbyists will surely throw out this year. Here’s a brief rundown of ...

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Steve Sinas Argues Out-of-State No-Fault Case at Michigan Supreme Court

On November 19, 2018, Stephen Sinas argued an out-of-state no-fault case at Michigan Supreme Court. Sinas Dramis appellate attorney, Joel Finnell, took the leading role on the appellate briefing.

The issue in the case was whether our clients, who are Michigan residents, could recover no-fault insurance benefits when they were injured in a motor vehicle crash that occurred in Florida. Furthermore, they occupied a vehicle purchased and used exclusively in Florida at the time of the accident. This vehicle was insured ...

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Stephen Sinas Leads Michigan No-Fault Insurance Webinar

Lansing auto accident attorney Stephen H. Sinas discussed the history, purpose and future of Michigan no-fault insurance, during a live webinar presented by Michigan Lawyers Weekly on July 25, 2017.

The program titled, “The State of No-Fault Insurance in Michigan,” was the first webinar that Michigan Lawyers Weekly has hosted, and Stephen was honored to be invited as the featured speaker.

Stephen is known as a leading authority on Michigan no-fault law. He is recognized across the state ...

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Car Accident In Another State: Does Michigan No-Fault Insurance Apply?

Summer is almost here, and many Michigan families will be driving the nation’s highways to reach their vacation destinations, and to visit family and friends. During their travels, some of these motorists will unfortunately be involved in a car accident in another state. The question then becomes: does their Michigan no-fault insurance cover the out-of-state crash?

In general, the answer to this question is “yes” — Michigan no-fault coverage does typically apply to a car accident in another state.

However, ...

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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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Can Victims Of Michigan Semi-Truck Crashes Get No-Fault Benefits?

Persons involved in a Michigan semi-truck accident frequently have catastrophic injuries and require lifetime care, resulting in mounting medical bills. Given this, does auto no-fault apply to Michigan semi-truck crashes?

Semi-truck crashes are some of the deadliest accidents on the roadways. In 2016, nearly 12,000 heavy trucks and buses were in collisions on Michigan highways. Nationwide, studies show that 98 percent of semi-truck crashes result in at least one fatality — and about 86 percent of ...

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