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2011 September Archive

Michigan No-Fault Insurance Series, Part 5: No-Fault Benefit Claim Limits

By Lipton Law on September 27, 2011 - No comments

This post is part five in a series on Michigan no-fault insurance benefits, presented by Lipton Law. This series is intended to help Michigan insureds understand no-fault benefits claims.

After a Michigan auto accident, drivers or passengers who are covered by Michigan no-fault insurance have a limited amount of time to file a claim with their insurer. In most cases, that time period is one year from the date of the accident. By this date, the insured must file an Application for No-Fault Benefits with the insurer, or risk losing the chance to use benefits he or she has paid for.

Claims for specific medical bills, lost wages, household services, and other no-fault benefits must be made within one year of the date the insured incurred the expense, or he or she may lose the opportunity to receive reimbursement or benefits to cover those expenses. Similarly, if a no-fault insurance company refuses to pay benefits that the insured believes are covered by the policy, the insured has one year from the date of the refusal to file a claim in court for the benefits. The insurer has thirty days to pay benefits for most claims, or to explain why it is refusing to pay.

One year may sound like plenty of time, but it can go by very quickly, especially when your time and energy is consumed by your need to heal after a serious injury. The experienced Southfield no-fault insurance claim attorneys at Lipton Law can help you ensure your claims are filed and responded to on time, so that you don’t lose the chance to access the benefits you need to recover after a crash. To learn more, call Lipton Law today at 248-557-1688 for a free and confidential consultation.

 

Michigan No-Fault Insurance Series, Part 4: Types of Benefits

By Lipton Law on September 20, 2011 - No comments

This post is part four in a five-part series published by Lipton Law, a Southfield no-fault insurance law firm that hopes to raise awareness and understanding about no-fault benefits. This post discusses the types of services and other losses that may be covered by a Michigan no-fault insurance policy.

Michigan no-fault insurance benefits are intended to cover personal injury losses when someone is injured in a vehicle-related accident in Michigan. The benefits are available not only for victims of car crashes, but also those who suffer injuries in bicycle or pedestrian accidents and passengers in motor vehicles. And the benefits available pay for much more than the initial medical expenses of the crash itself.

When a car accident causes injury, it’s easy to assume that the “medical bills” paid by no-fault insurance cover acute needs, like ambulances and emergency surgery. No-fault insurance does cover these acute needs. However, no-fault benefits are also available for the long-term medical needs a person may suffer if a car crash injury causes permanent injury. These include payments for:

  • Attendants, such as home health aides;
  • Case management services, so injured persons can focus on recovery and leave the paperwork to a case manager;
  • Hospital, follow-up care, therapy, prescription drug, and equipment benefits;
  • Payments to modify a home or vehicle so a disabled person can move around;
  • Medical mileage payments to cover the cost of traveling to and from medical appointments;
  • Household chores and replacement services, like mowing the lawn or cleaning;
  • Wage and income loss payments; and
  • Survivor’s benefits for those who lose a loved one in a crash.

In order to have the best possible recovery after an accident, it’s important to receive the full amount of no-fault benefits to which you are entitled. At Lipton Law, our experienced no-fault benefits lawyers in Southfield can help you ensure you are receiving all the benefits your premiums have paid for, giving you the chance to focus on moving forward after an accident. To discuss your legal rights and options and find out how we can help, call Lipton Law today at 248-577-1688 for a free consultation.

 

Citing Safety Issues, Subaru Plans Multiple Recalls

By Lipton Law on September 15, 2011 - No comments

Auto manufacturer Subaru, a part of Fuji Heavy Industries Ltd., recently announced that it plans to recall or has begun to recall several recently-produced vehicles due to various equipment or parts problems that can compromise the safety of the vehicle’s occupants and may lead to a crash.

In states like Michigan, where winter weather results in de-icers and salt being placed on roads, Subaru is recalling certain Impreza and Forester vehicles, along with several model years of the Saab 9-2x which Subaru manufactures. These vehicles are being recalled because de-icing chemicals and salt can cause corrosion in the vehicle’s control arm, which can lead to the control arm breaking if the corrosion is not fixed.

Subaru has also recently begun looking into a reported problem with the windshield wipers on its recently manufactured Outback and Legacy vehicles. These vehicles, produced in model years 2010 and 2011, have a defect in the windshield wiper motor that can cause the motor to overheat and the wiper blades to not work, which can cause dangerous loss of visibility in bad weather.

Subaru recommends that owners of vehicles that may have been recalled should call Subaru at 800-782-2783 or take their vehicles back to the dealership where the safety problems will be fixed.

Vehicle product recall information is especially important for families that rely on their vehicles each day since a defective vehicle part may lead to an auto accident. At Lipton Law, our experienced Michigan defective product lawyers are committed to helping families affected by product recalls or car crashes protect their legal rights and get the support and compensation they need. To learn more, call us today at (248) 557-1688 for a free consultation.

 

Michigan No-Fault Insurance Series, Part 3: The Who, What, and How of No-Fault

By Lipton Law on September 13, 2011 - No comments

In order to help drivers in Michigan understand their no-fault insurance policies better, Lipton Law is providing blog readers with a five-part series on Michigan no-fault insurance benefits. This post, part three of the series, focuses on who may claim benefits, what benefits are available, and how insureds can make certain they receive all the benefits their premiums have paid for.

Michigan “no-fault” auto insurance has this name because, if a driver is in a vehicle accident, the insurer must pay benefits regardless of who caused the accident. The benefits a Michigan driver or vehicle passenger can receive vary depending on the terms of the no-fault policies that may cover each person involved in a crash. Common benefits paid by no-fault insurance include medical bills, prescription drug, and medical equipment bills, costs for home healthcare, and replacement funds for lost wages or incomes.

A no-fault policy covers every member of the driver’s immediate family, even if they are a passenger in another car or are struck by a vehicle while walking or biking. It also covers injury costs of other drivers or passengers in any other vehicle involved in an accident if their own no-fault insurance does not cover them or they have no insurance.

In order to help ensure you receive all the no-fault policy benefits to which you are entitled after a car accident in Michigan, it’s important to file a claim with your insurance company within one year of the accident or injury. Completing paperwork on time is a crucial part of this process. If you are overwhelmed by this process, need help filing a claim, or suspect you are not getting all the benefits to which you are entitled to from your insurance company, seek help from an experienced Michigan no-fault benefits attorney, such as those at Lipton Law. To discuss your case with us, call 248-577-1688 today for a free consultation.

 

Michigan No-Fault Insurance Series, Part 2: Claim Denial

By Lipton Law on September 6, 2011 - No comments

This is the second part in our 5-part blog series that will discuss no-fault insurance in Michigan in further detail. We will be covering important information regarding the benefits of such insurance, the limits of no-fault insurance, what happens when claims are denied, and more. The topic of today’s blog is no-fault insurance claim denials.

Michigan law requires drivers to carry no-fault auto insurance in order to help pay medical bills and other expenses if someone is injured in a car crash. Even when a driver is covered by no-fault insurance benefits they have paid for, however, it may happen that the insurance company will misstate the amount or types of coverage or will refuse to pay the bills for services already received, like emergency medical care. When this happens, it can add unneeded worry to an already stressful situation. It can also delay or prevent necessary medical care, putting you at risk for ongoing medical problems.

To protect yourself and to receive the no-fault insurance benefits to which you’re entitled, it’s important to get insurance information in writing. Do not sign any agreement with the insurance company until you feel confident that it includes the full amount of benefits to which you’re entitled.

If you’re not sure whether your insurance company is treating you fairly or you feel overwhelmed by the process of getting the no-fault benefits you deserve, please don’t hesitate to call the experienced Michigan no-fault claim denial lawyers at Lipton Law. We will help ensure you receive the benefits you have paid for, giving you the time and space you need to recover after an accident. To learn more, call Lipton Law today at 248-557-1688 for a free and confidential consultation.

 

Michigan Officers Encourage Safe and Sober Driving This Labor Day

By Lipton Law on September 1, 2011 - No comments

The Labor Day weekend and the weeks between it are prime time for Michigan students of all ages to be heading back to school. In order to help reduce the number of car accidents and keep traveling students and families safe this season, the Michigan State Police and local law enforcement agencies are teaming up to increase drunk driving prevention patrols and sobriety checkpoints throughout the state. Michigan’s enforcement efforts are related to a nationwide program sponsored by the U.S. National Highway Traffic Safety Administration (NHTSA) known as “Drive Sober or Get Pulled Over.”

The Michigan Office of Highway Safety Planning is kicking off this year’s events with an advertising campaign reminding Labor Day motorists that they create an increased risk of causing injury or death, along with an increased risk of being pulled over and arrested, if they choose to drive with alcohol in their systems. Many events are being held on college campuses because last year, 77 Michigan motorists between the ages of 18 to 24 were killed in alcohol-related crashes, representing nearly one-quarter of those killed in such accidents. By tying the “drive sober or get pulled over” message to the start of the school year, Michigan law enforcement agencies hope to drive home the point that college-age drivers are also vulnerable to injury or death when it comes to drinking and driving.

Choosing a designated driver or taking a cab or public transportation can help you prevent injuries or death caused by drunk driving this Labor Day. If you have been injured in a car accident involving a drunk driver, contact the experienced Michigan drunk driving accident victim lawyers at Lipton Law. We can help you protect your legal rights, handle your insurance claim, and seek compensation from all negligent parties involved. For a free consultation, call us today at 248-577-1688.