When you purchase an insurance policy, the rate you pay is determined based primarily on the likelihood that you will be involved in a car accident. Insurance companies base their business model on the hopes that they will not need to pay claims, so if they anticipate that a driver will eventually file a claim, that […]
Michigan’s overhaul of their no-fault system is taking effect July 1, impacting all local drivers and their insurance policies. One of the many areas of insurance that will be affected is the independent medical examination, which insurers utilize to their advantage. Under the old law, insurers could have any physician of their choosing evaluate claimants, […]
After an accident is not necessary. Although no-fault insurance can be used to cover damages following collisions in these states, most plans do not cover everything. It is important to know what specific damages are covered under your insurance plan, and what kinds of damages may require other sources of coverage. About No-Fault Insurance No-fault coverage is […]
When you are involved in a car accident claim, there is no such thing as too much evidence. A variety of different things could be used as proof of another driver’s fault, and result in you recovering compensation. There are certain documents you should hold onto that will help build your case. Medical Records and Photographs Demonstrating […]
It’s entirely possible to be the only person who is injured in a car accident. Of course, there are multiple instances of a driver being injured in a collision and another driver walking away unscathed, but in some cases, only one car is involved — for example, a driver who slips on ice or drives into […]
Although the state prohibits insurers from charging “excessive rates,” residents of Michigan pay some of the highest insurance rates in the United States. This is due, in part, to the state’s “no-fault,” coverage requirement. In an effort to reduce costs for consumers, the Michigan Insurance Commissioner has issued a new law to remove the necessity […]
A futuristic world of autonomous vehicles is quickly becoming a reality, as many companies are testing driverless vehicles and businesses like Tesla already have their self-driving models on the road. Soon, commuters will be able to sit back and relax while their car takes them to work. In addition to cars that can transport people […]
Why You Should Worry About Your Insurer? In the event of an accident, your auto insurance company or the at-fault driver’s insurer covers your losses. However, insurance companies are in the business of making money off customers paying their premiums. In order to protect their own best interests, insurance companies will find any way to […]
Injuries that occur during a car accident can be severe and disrupt a victim’s life. Individuals who are hurt in a motor vehicle collision may need surgery, long-term treatment, and could be unable to return to work for an extended period. Seven of the most common injuries sustained through a vehicle collision include: Broken bones […]
There are two classes of liability — and associated insurance plans — in car accident law. “At-fault” car insurance, which is the norm in the majority of states, assigns liability to one party in a collision. Generally, whoever is deemed liable is responsible for covering the expenses associated with victims’ injuries (some state laws are […]
