What Will An Insurance Company Pay For A Totaled Car

In Michigan, a car is considered a total loss, or "totaled," when the cost of repairs plus the salvage value equals or exceeds a percentage of the vehicle's actual cash value (ACV). In Michigan, this threshold is typically set at 75% of the vehicle's ACV.

Whether you were hit by an uninsured driver or not, getting full value for your car from your insurance company is a challenge. Often insurance companies will ignore you or low-ball you and ask you to take a payoff that is too low. We regularly assist clients in getting maximum value for a totalled vehicle.

Additionally, an at-fault driver’s insurance company may also have to pay up to $3,000 under the mini-tort law to compensate you for the loss of your vehicle or property.

To discuss your specific situation, contact our attorneys at 231-486-6556 today.

Tips for Winter Driving

Winter in Michigan brings picturesque views and outdoor activities, but it also ushers in challenging driving conditions. With icy roads, snow-covered highways, and freezing temperatures, the risk of car accidents increases and everyone should be prepared as a driver.

Understanding Michigan Car Accident Laws in Winter:

a. No-Fault Insurance: Michigan operates on a no-fault insurance system, which means each driver's insurance covers their own medical expenses, regardless of fault.

b. Winter Road Conditions: Drivers are expected to adjust their driving to accommodate winter weather conditions, and negligence in doing so may result in liability.

Tips for Preventing Winter Car Accidents in Michigan:

a. Slow Down: Reduced speeds provide more time to react to unexpected hazards and improve traction on slippery roads.

b. Maintain Safe Following Distances: Increase the distance between your vehicle and the one in front to allow for additional braking time.

c. Winter Tires: Consider investing in winter tires designed for cold weather conditions, providing better traction on snow and ice.

d. Brake Carefully: Apply brakes gently to avoid skidding, especially when approaching intersections or making turns.

e. Clear Snow and Ice: Remove all snow and ice from your vehicle before driving to ensure visibility and prevent hazards for other drivers.

Michigan's Winter Driving Laws:

a. Headlights On: Michigan law requires drivers to turn on their headlights when visibility is reduced to 500 feet or less.

b. Snow Removal: Failing to clear accumulated snow and ice from your vehicle's roof, hood, and windows can result in fines.

What to Do in Case of an Accident:

a. Safety First: Ensure the safety of all involved parties. Move to a safe location and turn on hazard lights.

b. Contact Authorities: Report the accident to the police and seek medical attention for any injuries.

c. Document the Scene: Exchange insurance information with other drivers, take photos of the scene, and gather witness contact details.

d. Notify Your Insurance: Inform your insurance company about the accident promptly and provide accurate information.

 

By staying informed about Michigan's winter driving regulations, you can navigate the winter months with confidence and reduce the risk of accidents on the icy roads. Stay safe, stay cautious, and enjoy the beauty of Michigan's winter responsibly.

New Distracted Driving Law Begins June 30

Starting June 30, 2023, Michigan will no longer permit using cell phones while driving except in emergency situations. Drivers should expect aggressive enforcement once the law begins. Drivers will also be barred from taking photos or vidoes, using social media, or holding phones while making a phone call.

Thousands of deaths occur due to distracted driving each year and many more accidents most likely go unreported due to the difficulty in retrieving cellular phone use.

https://www.bridgemi.com/michigan-government/hands-free-distracted-driving-law-takes-effect-june-30-michigan

What to do if hit by uninsured driver?

A recent study of Michigan driver’s found that 25.5% of Michigan drivers were uninsured, the second highest percentage in the country. So, how do you protect yourself when hit by an uninsured driver?

  1. Call the police. Uninsured drivers have little incentive to stop or give correct information since it is against the law to driver without insurance.

  2. Look for witnesses. Get the names and phone numbers of witnesses who may be able to assist you with identifying the driver.

  3. Don’t accept money from the uninsured driver.

  4. Report your accident to your insurance company. You can collect No-Fault benefits and often pain and suffering damages from your own insurance company even if the other driver is uninsured. Your policy should have limits of what you may collect in certain instances and we suggest you have at least $500,000 in uninsured/undersinured motorist benefits.

    For further information, please call our attorneys at 231-486-6556.

Court Rules No-Fault Benefits Time Extended

If your insurance company has failed to pay you No-Fault benefits as a result of a car or truck accident, you should be aware of the new law that may allow you additional time to file a lawsuit against the insurance company for wrongfully withheld medical and other benefits.

While you generally have one year to file a lawsuit to recover No-Fault first-party benefits, the Michigan Court of Appeals recently ruled that an insurance company must formally deny the request for benefits in order for the time to file a lawsuit continues to accrue.

If you have been injured in a car or truck accident, please contact our attorneys for a free consultation at 231-486-6556.

Supreme Court Rules to Help Those Injured

The Michigan Supreme Court issued a significant ruling to help those injured in an auto accident recently. The Court concluded that the No-Fault fee schedule and 56-hours-per week limitation on in-home, family provided attendant care did not apply retroactively.

The Court additionally ruled that the Legislature could not retroactively change the benefits to those injured before the new law's effective date.

This is the right decision to protect those who paid for and should receive No-Fault insurance benefits.

If you or a loved one has been injured or killed in an auto accident and would like a free consultation, please call us at 231-486-6556.

Is Your Trustee Giving You Information You Deserve

What if I ask for information from a trustee and they don’t give it to me?

The Michigan Trust Code requires trustees to provide information regarding the trust early and as often as trust beneficiaries reasonably request it. Trustees must notify Michigan trust beneficiaries within 63 days of becoming trustee and when a trust becomes irrevocable. The beneficiaries also are entitled to make reasonable requests for information regarding the trust, the trustee’s actions, and the trust assets. If the trustee ignores you or only provides limited information, it may be best to contact an attorney to discuss why they may not be providing information and what you can do about it. Contact Matt Hanley at 231-486-6556 to discuss your trust case today.

Attendant Care After A Car Accident

If you’ve been injured in a car or motorcycle accident, you may need in-home care for your activities of daily living from a trusted friend or relative. Insurance companies don’t often tell you this benefit is available or provide you with directions on how to claim this benefit. We regularly sue insurance companies for failure to pay these and other No-Fault benefits. If you have been injured in a Michigan car accident, call our attorneys for a free consultation at 231-486-6556.

Car Accidents and Daylight Savings Time

Daylight Savings Time has been found to increase car accidents throughout the country as people have increased sleep deprivation and a change in light conditions. While “falling back” does not show the same level of increase in accidents, it is important to be aware of the increased darkness in the evening as both cars and people become harder to see. Remember safe driving tips: get plenty of rest, don’t drive distracted, reduce speeds and following distances, watch for deer, use your headlights and remember to yield.

If you have any questions regarding your or your family’s car accident or treatment, please call us for a free consultation at 231-486-6556.

No-Fault Car Insurance Changes Begin July 1, 2021

As a result of a major car insurance overhaul enacted in 2019, Michigan now limits the amount of in-home attendant care that is covered by car insurance. This is a large reduction from the previous law that allows 24/7 care for persons injured in automobile, truck or motorcycle accidents. Medical providers will also be under a new fee-schedule that limits the amount doctors and other doctors can charge for medical care.

If you have any questions regarding your or your family’s car accident or treatment, please call us for a free consultation at 231-486-6556.