Which Michigan car insurance company is responsible for paying my claim? That’s an important question. The Michigan No-Fault Law provides a framework for determining which insurance company is responsible for paying no-fault benefits. This is often referred to as the “order of priority.” The insurance company responsible for paying has the “highest” order of priority. Many factors are important in determining which insurance company is responsible for paying benefits. For example, where you live or are “domiciled” when the crash occurred is important. Other factors are whether you were in an e ..read more

Michigan car insurance can be confusing. The insurance policies and the declaration page that accompanies the policy can be equally confusing. Each policyholder who purchases Michigan car insurance receives both an insurance policy and a declaration page. Understanding what a declaration page means is important because it describes the financial protections and coverage you have purchased with your policy. This article explains the contents found in a declaration page and what they mean. The Address and Policy Period At the top of most declaration pages is the name of the policyholder(s), or ..read more

Getting information about the speed limit laws in Michigan are important for every driver. Some roadways have posted speed limits while others do not. A driver must know the speed limit no matter what the situation. Speeding is one of the leading causes of injury and wrongful death in Michigan car accident cases. In 2022, speeding resulted in 26,996 reported traffic crashes and 209 fatalities in Michigan. Speeding was a factor in over 9% of all crashes and 12.4% of fatal crashes. The highest number of excessive speed crashes occurred during snowy road conditions at 7,842 (29.4%), followed by i ..read more

How Much PIP Coverage Should I Get in Michigan? With Michigan now offering different choices for no-fault coverage, people wonder how much car insurance they need to purchase. More specifically, how much PIP coverage do I need and what are my options? https://youtu.be/Z8kNMprkHVYVideo can’t be loaded because JavaScript is disabled: Changes to Michigan No Fault Law | Lee Steinberg Law Firm (https://youtu.be/Z8kNMprkHVY) The Michigan no-fault law changed dramatically in 2019 when Governor Whitmer signed sweeping changes to auto insurance law. Under the old rules, all car insurance policies in Mi ..read more

Can the Car Insurance Company Deny My Claim For Fraud After an Auto Accident? A recent trend our law firm has seen is a number of Michigan car insurance carriers are denying otherwise valid no-fault PIP claims by alleging there was fraud or a material misrepresentation by the claimant or the policyholder. These insurance companies, from Progressive to National General, argue that the material misrepresentation constitutes fraud, and based on this “fraud” they do not have to pay any outstanding no-fault benefits, including wage loss and medical expenses. So, can insurance deny a claim? Yes, and ..read more

Recently, the Lee Steinberg Law Firm recognized third-grade teacher Dawn Wiles as the latest recipient of the Golden Apple Award. She is a most deserving winner. The Golden Apple Award is sponsored by the Lee Steinberg Law Firm in conjunction with Mid-Michigan NOW and television stations WEYI (NBC 25) and WSMH (Fox 66). Too often, our educators are overlooked and fail to get the recognition they deserve. Outside of a child’s parents or guardians, no person is more responsible for a child’s wellbeing, emotional growth, and life training than his or her teacher.  The wonderful teachers thro ..read more

You get a letter from the car insurance company saying you must attend an “independent medical examination.” What do you do? What are your rights? Although these reviews may be called IMEs, they are usually anything but independent, medical in nature, or a true evaluation of an individual’s injuries, impairments and disabilities following a Michigan car crash.  What is an Independent Medical Evaluation? An IME is when the insurance carrier requires you to attend a doctor’s appointment to get their own “evaluation” of the injuries and prognosis for an injured person. They are very common a ..read more

What Happens if the Insurance Company Cancels My Policy A car insurance company telling you that your auto policy has been cancelled is a scary event. A discussion like this after a serious car wreck can be catastrophic, resulting in massive unpaid medical bills, mounting lost wages and other costs. Over the past few years, car insurers in Michigan have become extremely aggressive in trying to wiggle out of paying claims. One such maneuver has been to preemptively cancel auto insurance after a car wreck has occurred and a claim has been made. They claim the policy has been cancelled due to non ..read more

Wintertime in Michigan brings a lot of snow and ice. And while this weather can be a lot of fun, it can also be very dangerous. In fact, according to the Michigan Realtors Association, more than 2,000 work reported slip and fall accidents injuries due to snow, ice and black ice.  Snow and ice cases can cause horrible injuries. These injuries can include a broken leg, broken arm, fractured elbow or broken hip, facial injuries, neck pain, back pain and even a closed head injury. When this occurs, the victim suffers the pain and suffering and loses their ability to lead their normal life. Lo ..read more

Key Points of This Article: Jaywalking is illegal in Michigan. The pedestrian is not necessarily at fault if they were hit while jaywalking. Drivers must take all necessary precautions to avoid hitting pedestrians, even those who are jaywalking. Though the term jaywalker might seem to imply that the pedestrian is automatically at fault, this isn’t always the case. While jaywalking is illegal, drivers still have a duty to pay attention and remain alert in case anyone walks into the road. That being said, what happens when a truck hits a jaywalker? Who is at fault? Let’s take a look below to f ..read more