Category: No Fault

Especially in Michigan

You know you’re made for the insurance industry when: Every time you hear “Especially in Michigan” by Red Hot Chili Peppers you can’t help but think how appropriate that song title is for auto insurance in Michigan. Medical coverage is critical (especially in Michigan…). Liability coverage is important (especially in

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MCCA Fee: Why The Change?

Michigan’s auto insurance has been a topic of interest to many for a long time, often due to its cost relative to auto insurance in other states.  While our no-fault law is viewed negatively by some consumers that haven’t been involved in a major auto accident, the Personal Injury Protection

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What’s All The Noise About No-Fault Auto Insurance Reform?

You may have read or seen on TV that our state legislature is taking another crack at reforming Michigan’s no-fault auto insurance law.  Over the past ten years there have been multiple failed attempts to pass reform legislation.  It appears, at least at this juncture, that this time around the proposed legislation

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Why Might Not At-Fault Claims Impact My Premium?

During the winter holidays, most of us spent time surrounded by family and friends.  I spent Thanksgiving in Midland, MI at my grandparents’ house.  My 87 year-old grandpa, God bless him, backed into my wife’s Jeep that was parked in their driveway.  In a voice that was indistinguishably on the brink of laughing

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What Does “No Fault” Actually Mean?

Let’s keep it simple.  In Michigan, a driver cannot sue you for damage you caused to their vehicle, with a couple of minor exceptions (discussed below).  Each driver is responsible for insuring their vehicle on their own policy for physical damage (commonly referred to as comprehensive and collision coverages), whether caused by themselves or

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