Big changes in MI auto insurance law have impacted the coverages we need and the claims brought under Michigan law.

by | Jan 25, 2021 | Firm News |

Of course no one wants to think about car accidents or the fun topic of auto insurance but there are significant changes taking place. You should consider taking a moment to discuss your auto coverage with your insurance representative. In the 20 years I’ve been working on car, motorcycle and truck accident cases these are some of the most significant changes in the law that I can recall.
In addition to now having the option of buying less no-fault automobile accident medical coverage (be careful about opting for short term savings at the expense of giving up allot of medical coverage) all drivers and vehicle owners will have significantly more exposure if you are at-fault (or the owner of the car) in causing an accident. Therefore, it makes sense to explore increasing your liability coverage.
Below is information copy and pasted from the state of Michigan website regarding these changes and a link so you can read more about them:
You are responsible for injuries to another person and may be liable for damages for their pain and suffering, as well as the costs of their medical and other care that exceed their coverage under their auto insurance policy. The bodily injury liability limit of your policy will pay for such damages, but only up to the amount of the limit you choose. You will be required to pay any amount over the limit you choose. This amount could be substantial and may lead to severe financial consequences, such as:
• Your assets may be seized, or a lien may be placed on your home;
• Your wages may be garnished; or
• Your driver’s license may be suspended.
You may consider speaking with your insurance agent and/or consulting legal and financial advisors about the options available to you.

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