Michigan No-Fault Insurance Lawyer

Experienced No-Fault Insurance Claim Attorney representing clients in Troy, Detroit, Southfield, Ann Arbor, Bloomfield Hills, Birmingham, Royal Oak, Warren, Farmington, Livonia, Rochester, Sterling Heights, Pontiac, Waterford, including Oakland, Wayne, Macomb, St. Clair, Livingston, Genesee, Ingham, Monroe counties and throughout Michigan

In the state of Michigan, driver insurance policies include a provision that automatically awards compensation for damages and injuries suffered in a car accident without assigning negligence. This is known as no-fault insurance. The purpose of no-fault insurance law is to resolve accidents quickly and get insured drivers the compensation they need for their damages and injuries.

No-Fault Insurance Benefits Cover Several Parties, Including:

  • The insured driver
  • Members of the insured’s household
  • Owners/operators/occupants of the insured driver’s vehicle
  • Injured pedestrians

New No-Fault Law in Michigan

The current law requires you to have auto insurance that includes unlimited Personal Injury Protection (PIP) medical coverage to pay for your expenses if you are injured in an auto accident. The new auto insurance law allows you to choose a level of medical coverage when your policy is issued or renewed after July 1, 2020. If you are already receiving payments from your auto insurance policy due to injuries from an auto accident, you will continue to receive the current unlimited benefit regardless of the choice you make for the future. After July 1, 2020 policyholder can choose from a variety of Personal Injury Protection (PIP) medical benefit levels. Vehicle owners can keep their previous unlimited lifetime medical benefits, choose a lesser amount ($500,000, $250,000 or $50,000 for Medicaid recipients), or opt out of PIP medical coverage if they have Medicare or other qualified health coverage.

Other PIP benefits, which did not change under the new law, cover up to 85% of lost wages and $20/day for replacement services (such as housework and lawn care) for up to three years.

To speak with an experienced insurance lawyer now, call Baldwin Legal Services PLLC at (877) 886-1441. We can answer all of your questions – and there is no cost or obligation.

Will My Auto Insurance Bill Be Lower When the Law Goes Into Effect?

The new auto insurance law will allow you to choose a level of PIP medical coverage. Insurance companies are required to reduce the premium for this coverage so that there will be an average reduction per vehicle based on the level of coverage chosen.

You will also have the ability to choose different levels of Bodily Injury and Property Damage (BI/PD) coverage. This choice will also affect your premium.

Your total premium and potential savings will depend on the coverages you select. A licensed insurance agent can help you select the right coverage options for your budget.

Consult Experienced Personal Injury Attorney

We understand that no-fault insurance law can be confusing. You may be wondering whether you are eligible for no-fault benefits in your situation. Because there are certain exclusions to compensation entitlements for no-fault insurance, it is important to consult an experienced personal injury lawyer for advice. At Baldwin Legal Services PLLC, our no-fault insurance lawyer has a history of success handling personal injury cases throughout the State of Michigan. Whether you need help understanding the no-fault law or plan on filing a claim, consult experienced no-fault insurance lawyer at Baldwin Legal Services PLLC. We can answer all of your questions – and there is no cost or obligation.

Reasons an Insurer Might Deny Your Claim

There are plenty of reasons why the at-fault party's insurer may have denied your claim, even if their version of the incident appears to be factually incorrect. Usually, the reasons fall into one of two main categories: Either the insurer's claims adjuster believes your claim lacks merit, or the insurer simply hopes you won't pursue the claim further. The adjuster also may be relying on an eyewitness or is choosing to believe its client's version of what happened in the absence of an official police report.

What Can You Do If Your Insurance Company Denies Your No-Fault Claim?

If your claim is denied, regardless of how valid you believe it is, you will most likely need to hire an attorney if you choose to fight the denial. After all, insurers make a profit by taking in more money in premiums than they pay out in claims. An attorney's claim, however, will usually carry more weight and may be taken more seriously by the insurer. If you think it doesn’t make sense that an insurance company would deny you payment for benefits covered under your no-fault insurance policy, then you’d be right. It isn’t unheard of for an insurance adjuster to “leave out” different types of no-fault benefits you are entitled to or deny you reimbursement for benefit services you’ve received.

The insurance company may not tell you all the benefits you deserve to be given. This is why it is important to not sign anything or agree to benefits if you are suspicious that they are not sufficient.

To speak with an experienced no-fault insurance lawyer now, call Baldwin Legal Services PLLC at (877) 886-1441. We can answer all of your questions – and there is no cost or obligation.

Most Common Tricks Used By Insurance Adjusters to Deny Your Case

Below are the ten most common tricks used by insurance adjusters to devalue, diminish or deny your case:

  • Promising to get a fair settlement for you while claiming to be on your side.
    The adjuster is working in his or her own best interests, as well as those of the insurance company. Their salary, security and future with the company depend on the outcome of their cases and how much money they have saved their company. This means that your needs are not a priority, as your needs and what the company needs are opposed.
  • Asking for a recorded statement.
    Adjusters want you to say something that will derail your side of the case, even if it can be taken out of context. Even just saying you are “fine” when asked how you are doing in regular conversation with the adjuster can be used against you, if you are claiming injuries after a car accident.
  • Asking you to sign authorization for the adjuster to obtain your medical records.
    By signing the authorization for your medical records, the adjuster can learn all sorts of personal details about you. Whatever they find can be used against you, even creatively. They want to discredit you and show that your injury is false or from prior issues. You should never sign records over without your lawyer’s advice to do so.
  • Having you agree to a quick settlement with signing of a full release.
    You may be offered an on-the-spot small settlement in exchange for signing a full release from other damages. Because this often happens even on the scene of the accident, you will not have had time to realize the full extent of your injuries.
  • Delaying payment of your claim.
    By delaying payment of your claim and making you endure the struggle of lost wages and medical expenses without compensation for a period of time, adjusters know that you will likely “crack” under the pressure and sign for a lesser amount than you deserve, just to gain the quickest payment possible.
  • Conducting surveillance.
    When you claim injury, the insurance company will most often hire investigators to watch you and even videotape or photograph your movement and activities. They do this to disprove your injuries. Of course, honesty is key in such a case and you should not claim injuries you do not have. But even in fully honest circumstances, creative photography can provide a false impression that you are not injured.

Top 10 Insurance Companies for Claim Denial Trickery

The American Association of Justice (AAJ) released a report titled The Ten Worst Insurance Companies in America – How They Raise Premiums, Deny Claims and Refuse Insurance to Those Who Need It Most. The report looked at thousands of court documents, news reports, and records from the Federal Bureau of Investigation (FBI), Securities and Exchange Commission (SEC), and state insurance departments.

The AAJ report concluded that insurance companies consistently put profits over policyholders. Many insurance companies have advertising slogans that revolve around their willingness to help people, but in reality, this is not the case. In other words, according to the AAJ report, you are not in good hands with Allstate! Allstate tops the list of the Top 10 Worst Insurance Companies:

  1. Allstate
  2. Unum
  3. AIG
  4. State Farm
  5. Conseco
  6. Wellpoint
  7. Farmers
  8. United Health
  9. Torchmark
  10. Liberty Mutual

Whether the injuries may appear to be minor or catastrophic, everyone that has been injured in an accident deserves to be treated fairly and compensated for damages. This report makes one thing very clear: You should be very careful when selecting a new insurance policy. Read all the fine print and make sure you know exactly what your policy will or will not cover.

Get Help from Our Michigan No-Fault Insurance Lawyers Today

Our experienced Michigan personal injury lawyers can provide many services that will make a difference in your car accident claim. We will:

  • Investigate the facts of your crash
  • Review all relevant insurance policies
  • Communicate on your behalf
  • Negotiate with the insurance adjusters
  • Work with experts to evaluate your medical records.

The Michigan No-Fault Law is complicated, especially for people who have recently been in an auto accident and don’t know what to do next. Our insurance attorneys have successfully helped people who were told they had no case or that their case was too old. In addition, our firm retains an attorney who holds a Master of Laws (LL.M.) degree in Insurance Law and knows how to protect you from the insurance companies and to present your claim in the best way possible to ensure your rights are protected and that you get the maximum compensation available. Please call 877-886-1441 or contact us online to schedule a free consultation.

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Baldwin Legal Services PLLC represents clients throughout Michigan in Detroit, Troy, Southfield, Warren, Livonia, Novi, Royal Oak, Rochester, Waterford, Farmington, Pontiac, Ann Arbor, Flint, Saginaw, Lansing, Kalamazoo, Dearborn and communities in Wayne, Monroe, Genesee, Livingston, Kent, Ingham, Washtenaw, Oakland, Macomb and St. Clair counties.

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