Articles Posted in Car Accidents

shutterstock_760039594-300x169Following Michigan’s historical auto insurance reform, many consumers faced uncertainty about their coverage limits. If someone suffers injuries in a Michigan auto accident, the state’s Personal Injury Protection (PIP) medical coverage pays for the medical care, recovery, and rehabilitative treatment. Before the change, Michigan Assigned Claims Plan (MACP) provided coverage to uninsured non-motorists, like bystanders, pedestrians, and passengers. The new insurance laws cap coverage at $250,000 for claims commencing July 2, 2020. However, uncertainty prevailed among uninsured non-motorists who suffered injuries between the law’s enactment on June 11, 2019, and the effective date of July 2, 2020.

Citing consumer protection concerns, the Michigan Department of Insurance and Financial Services (DIFS) issued an order that required MACP to provide unlimited PIP medical coverage to those who suffered injuries before the July 2020 effective date. According to a recent report, the agency that administers the MACP filed a lawsuit asking the Court to overturn the order. After the Court ruled to uphold the order, the The Michigan Automobile Insurance Placement Facility (MAIPF) filed an appeal. However, the appeal was dropped after DIFS reached a settlement that allows unlimited PIP coverage for uninsured vehicle occupants and pedestrians who suffered injuries before the July 2020 implementation. The DIFS director explained that a premature implementation could have seriously affected the livelihood of many Michiganders.

Under the new PIP coverage options, drivers must choose the coverage that pays for medical care if they are in an accident. In return, the law requires insurance companies to reduce the PIP medical portion of premiums based on the policyholder’s choice. There are six levels available, including unlimited coverage, up to $500,00 in coverage, up to $250,000 in coverage, up to $250,000 in coverage with PIP medical exclusions, up to $50,000 in coverage, and PIP medical opt-out.

shutterstock_1187007133-300x194As Michigan’s auto insurance laws take effect, many accident victims are already facing the consequences of the drastic changes. The new rules are Part II of the state’s auto insurance overhaul. The first facet of the changes took place last year and provided Michigan drivers with an option of how much no-fault medical coverage they must purchase with their auto insurance policy. Before the overhaul, the law required Michigan motorists to purchase unlimited, lifetime coverage.

The most critical change impacts those receiving care at rehabilitation clinics and from other providers who treat accident victims. The changes will require these centers and providers to cut their prices by 45%. The reductions will likely impact the nearly 7,000 Michigan accident victims who are receiving treatment paid for by their auto insurance policies. For instance, as described in a recent news report, a case manager who handles the care of accident victims recently described how the changes are already impacting her clients.

The woman’s client has quadriplegia and a traumatic brain injury from a car accident. He is unable to engage in typical daily activities without assistance. The man requires assistance leaving his bed, using the restroom and getting food and water. Unfortunately, he is dependent on his caregivers, previously paid for by his insurance company, to do any of these necessary tasks. The recent changes forced the case manager’s company out of business, which has left him without any care. The case manager frantically tried to arrange care for him, but without family or friends, she was forced to take him to a hospital.

shutterstock_715753720-300x200Pedestrian and road intersections are critical to connecting people who are traveling from one route to another. However, the area where roads and paths intersect often creates dangerous points. A recent list reports that out of Michigan’s 20 most dangerous intersections, nearly 75% of them are in Detroit. A significant number of Michigan accidents occur at these intersections. The Federal Highway Administration (FHWA) explained that enhancing intersection safety is one of the best ways to prevent serious and fatal accidents.

The FHWA Safety Program focuses on addressing the three main factors contributing to these accidents: conflict point, vehicle speed, and collision angle. The main conflict points are where the vehicles merge, diverge or cross. These accidents usually involve accidents between two vehicles, vehicles with pedestrians, and vehicles with cyclists. A majority of accidents are caused by displaced left-turns on quadrant highways. Next, vehicle speed plays a significant role in accidents; the amount of energy a car exerts during a crash can drastically impact the severity of an accident. Finally, collision angle also impacts crash severity; traditional intersections present more opportunities to collide at dangerous angles.

Michigan’s most dangerous intersections occur at 18 ½ Mile and Van Dyke Avenue in Sterling Heights. This location is the site of about five accidents every two weeks. Additionally, 11 Mile/Interstate 696 and Van Dyke Avenue, U.S. 131 and Wealthy Street, Martin Parkway and Pontiac Trail, and Schoolcraft Road and Telegraph Road, were the top five locations for intersection accidents in the state. A startling 587 accidents occurred at these locations, accounting for nearly 100 injuries.

shutterstock_1167968773-300x193The state supreme court recently issued a decision in a case stemming from a Michigan car accident victim’s insurance claim. The plaintiff’s insurance company issued the plaintiff and his wife a six-month no-fault insurance policy from September 26, 2017, through March 26, 2018. The policy provisions required the plaintiff to pay a monthly premium and allowed the insurance company to cancel the policy if they provided the plaintiff with ten days’ notice.

During the policy period, the insurance company mailed the plaintiff a bill and advised that the company would cancel the policy effective October 27, 2017, if the plaintiff did not pay the premium on time. The plaintiff failed to pay the premium, and the insurance company offered to reinstate the policy with a lapse in coverage. In November 2017, a driver struck the plaintiffs while they were walking across a street. The plaintiff and his wife suffered damages as a result of the accident. Two days after the incident, the plaintiff sent a premium payment to their insurance company, and the company reinstated their policy that day. However, the insurance company advised the plaintiff that there was a lapse in coverage and they would not cover the claim. The plaintiffs filed a lawsuit against their insurance company. In response, the insurance company contended that the policy was canceled and not in effect at the time of the incident.

The primary issue on appeal was what constitutes a valid cancellation notice under MCL 500.3020(1). Courts evaluating contract disputes typically focus on reviewing the “plain language” of the statute. Specifically, the outcome of this case hinges on the meaning of the phrase “notice of cancellation.” The objective of this statute is to ensure that those who are insured under a policy are allowed to satisfy the condition that prompted the cancellation. This allows the insured to revive their policy, obtain alternate coverage, or adjust their activities to reduce the risk of operating their vehicles without insurance.

shutterstock_221586889-300x200As the name implies, multi-vehicle accidents occur when more than two vehicles are involved in a collision. Chain-reaction refers to the manner in which many multi-vehicle accidents begin. Michigan chain-reaction accidents usually start with one collision whose force causes other vehicles to slam into one another. These accidents frequently occur in areas where vehicles are close to each other, such as densely occupied highways, narrow roads, or traffic stops. After a Michigan chain-reaction accident, establishing fault and liability presents many challenges to injury victims, as it can be hard to determine the exact course of events that lead to the accident. Further, in some cases, more than one party may be responsible for the accident.

In many cases, the driver who caused the initial crash in a chain-reaction accident may be responsible. However, there may be many contributing acts of negligence that could have led to the accident. Complete and adequate recovery often requires the injury victim or their loved one to establish each at-fault party’s negligence. Some contributing factors that may impose liability on a party are drivers who fail to use their brake lights or signals, drivers who were following too closely or were speeding, and distracted or fatigued drivers. Further, in some cases, a governmental agency may bear responsibility if the accident involved improper traffic signs or dangerous road obstacles. While most cases involve negligence, there are some limited situations where a natural hazard or inclement weather event started the chain of the events.

Chain-reaction accidents tend to result in serious injuries and property damage. For instance, local news reports described a disturbing Michigan five-vehicle chain-reaction accident. A preliminary investigation revealed that a car was blocking the left lane of a major highway after an accident. State Troopers stated that the driver of the first crash was fatally struck by another vehicle as he was exiting his car. While law enforcement responded to the initial crash, a second call came in regarding a rollover accident on the same highway. The five-car incident resulted in one motorist’s death.

shutterstock_155052533-300x199Losing a loved one is often one of the most painful things that one has to experience in life. Knowing that your loved one’s life was cut short, however, because of another person’s recklessness or lack of care is even worse. When a preventable accident causes the death of a loved one, those who are responsible must be held accountable—and you may have grounds to do so through a wrongful death claim.

According to a local news report, a major head-on car collision in Ottawa County left a woman dead. A Ford Edge was attempting to pass another vehicle when it crashed head-on with a Honda CRV. Local authorities responded to reports of a head-on crash, and when they arrived on the scene, the driver of the Honda CRV was pinned in her car. The driver of the Ford Edge sustained serious injuries and was transported to a local hospital for treatment. The driver of the Honda CRV also had critical injuries and had to be freed from her car by the local Fire Rescue. She later died from her injuries at the hospital. The accident remains under investigation.

In Michigan, there are several criteria that one must meet before being eligible to file a wrongful death claim. As a threshold matter, to file a wrongful death lawsuit, a loved one must have been killed because of another party’s negligence. For potential plaintiffs, you must be able to prove that if the negligent or careless action had not taken place, your loved one would still be alive.

shutterstock_1426522850-300x200Car accidents frequently occur in the most unexpected ways and can yield devastating results. When an accident results in the death of a loved one and was potentially caused by negligence or wrongdoing of another driver, those who are responsible must be held accountable. In Michigan, you may be eligible for compensation through a wrongful death claim if you lost a loved one in a Michigan car accident.

According to a recent news report, a deadly local car crash killed a father and injured his family. The driver who caused the crash drove his pickup truck across the road’s centerline and crashed into a family heading in the opposite direction. Police who arrived on the scene reported that the driver who caused the collision was well beyond what constituted “super drunk” under Michigan laws. Based on the police report, the driver’s blood-alcohol level was at 0.34 percent, which is more than four times the legal limit in Michigan. Following the crash, the driver is facing several charges in connection with the accident and other crimes, such as possession of a loaded firearm. The local family that was hit had the father pronounced dead on the scene and the wife and two children badly injured in the crash.

In Michigan, a wrongful death claim may be filed when a case involves a death “caused by a wrongful act, neglect, or fault of another.” When filing a wrongful death claim, it is typically executed by the estate or the family of the deceased person and liability is expressed in terms of monetary damages or compensation. The defendant would be responsible for compensating the family if they are found liable.

shutterstock_1170860896-3There have been many technological advancements in the motor vehicle industry, especially those involving self-driving vehicles. Autonomous vehicles, such as the self-driving Tesla, presents consumers with economic shifts and industrial changes. Although there are positive environmental and societal impacts of the state’s early adoption of these innovations, these vehicles pose many dangers to Michigan motorists. Those who suffer injuries in a Michigan accident involving a self-driving vehicle should consult an attorney to address their right to recovery.

A self-driving car is an autonomous or automated vehicle that can sense its environment and operate without a human driver. These vehicles use sensors, algorithms, actuators, and other sophisticated processors to detect their surroundings. Manufacturers market self-driving cars as a safer alternative to human drivers. However, these vehicles are still in their infancy and have shown that they pose significant dangers to anyone in their vicinity.

For instance, recently, a national news source reported that the federal road safety agency is investigating a recent Michigan Tesla crash. The federal government is involved because the accident included a state police vehicle. According to reports, a state trooper parked on the side of a highway while he was investigating a deer crash. The 22-year-old in the self-driving Tesla slammed into the police vehicle. Law enforcement issued the driver traffic citations for failing to move over and driving with a suspended license.

shutterstock_1329029651-300x200Michigan recently underwent drastic changes to its automobile insurance laws. Despite general guides and notices about the change, many people are left confused about how the reform will impact their right to recovery after a Michigan car accident. For 50 years before the change, Michigan followed the no-fault auto insurance system. Lawmakers framed the no-fault insurance system to allow accident victims a straightforward and efficient way to file claims and recover damages. Further, the law was designed to address the growing number of personal injury lawsuits. Under this framework, Michigan motorists generally carry unlimited medical coverage to cover expenses if they experience injuries in a car accident.

Under the new system, insurance companies must provide motorists with more choices that may fit their specific needs more adequately. Before the change, Michigan drivers had to carry unlimited Personal Injury Protection (PIP) insurance coverage. PIP coverage is medical and rehabilitation insurance benefits that an accident victim can claim.

Now, the law allows Michigan motorists to keep unlimited PIP coverage or choose from six other options. The other options include the following:

Okay-Bone-240x300Motor vehicle accidents (“MVAs”) are extremely dangerous. An average mid-sized sedan weighs about one-and-a-half tons. Even when moving at relatively low rate of speed, the force of a one-ton collision is enormous. A head on collision is far worse. If a vehicle going 47 mph strikes another vehicle traveling 64 mph, the collision is of a similar magnitude to a vehicle traveling at 111 mph ramming into a concrete barrier. Modern safety features have dramatically reduced the risk of injury in a MVA, but there is little technological innovation can do to offset the impact of a high-speed head-on collision.

Some MVAs cause immediately life-threatening injuries. First responders take the injured directly to a hospital for critical care. However, other incidents may not cause injuries that require the same type of immediate life-saving intervention. The injured party will be offered the option to travel to a hospital in an ambulance, but instead of accepting emergency transport, the individual injured will decline for a number of reasons. He or she might feel embarrassed or ashamed of being in an accident; the cost of the ambulance service will cause financial hardship; the idea of taking an ambulance when not in a life-threatening situation may feel selfish; pride may play into the decision-making process; or the injured person may just not feel like they’ve suffered a severe enough injury to justify that level of attention.

While some of those who decline emergency transport may go directly to the emergency room by other means, many decide to wait and see their primary care physician. Others will not seek medical attention at all, or simply decide that the injury is not severe enough for pay for the office visit, waiting to see if the injury heals on its own. While financial concerns are valid—our system’s fundamental flaw is that seeking medical treatment can end in bankruptcy—it is always wise to see a doctor after an MVA.

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