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Will No-Fault Insurance Cover Me If I Get Thrown Under the Bus?

In April 2015, Detroit Free Press writer Mitch Albom (of "Tuesdays with Morrie" fame) wrote an article about the then-coming money grab by Michigan Legislators, financed by the insurance industry.  A link to Mitch Albom's article is here.  The insurance cabal, and their henchmen in the State Legislature have laid low for about a year, but faced with uncertainty about the outcome of the 2016 election, and the near certainty that voter turnout will be high this year, this legislative excrement is being resurrected.  Mitch Albom's piece is as true today, as it was almost exactly one year ago today. Nonetheless, the Legislators we elect to look out for our interests, do nothing of the sort. Instead, they continue on with their effort to steal from Michigan citizens, the auto insurance they have paid for.

The arguments of my colleagues based on justice, mercy and morality are true, of course; imagine your kid being the one (heaven forbid) rendered quadriplegic, and put on a vent for the rest of his/her life. Or more likely, a less severe, but still disabling back, neck, shoulder, or knee injury that may limit their ability to play sports, or even earn a living.

However, the arguments based on justice, mercy and morality, don't seem to count for much anymore. No longer do we consider ourselves "all in one boat", knowing that by means of the taxes and insurance we pay, that everyone benefits. Tax money builds our roads and airports, and it defends this Nation; similarly, insurance premiums help to spread costs over a large number of people, on the theory that not many of us, can bear the cost of, e.g., a catastrophic accident.

No. Having been fed the fantasy of a free lunch since the early 1980's, we have been sold the idea that we can have the Government we had "in the old days", without having to pay for it.

What does this have to do with Michigan No-Fault? If arguments based on justice, mercy and morality don't sway you, maybe the tax argument will. What do you think is going to happen with those accident victims who can no longer turn to the insurance they have paid for, often for years? Many will go into Medicaid; those eligible, will go into Medicare that much sooner.

Who pays for Medicaid and Medicare? We do. With our tax money. When the volume of Medicaid and Medicare claims go up, as they certainly will, once No-Fault no longer pays accident-related bills, what do you think is going to happen to the cost of those programs? Those programs will become more and more expensive, and your taxes will increase, to pay those increased costs.

So no, I am not going to pass judgment on those who do not care for the injured, nor will I pass judgment on those who think that the horror of injury "will never happen" to them. I will leave the process of passing judgment, to others.

However, if you really care about your taxes going up, then you need to contact your State Senators and State Representatives, and you will tell them NOW, that you will not stand for a tax increase in an election year.

You can find your State Rep here: (or copy this URL) http://house.michigan.gov/mhrp...

You can find your State Senator here: http://www.senate.michigan.gov... (or copy the URL)

Many of you, who live in Macomb and St. Clair County are represented in Lansing by people who "talk the talk" on lowering taxes, but do not in any way, shape or form, "walk the walk". Given the choice between increasing the tax burden on nameless "other" Michigan citizens, and getting their palms greased with campaign contributions by the insurance industry, many of OUR State Senators and State Representatives are siding with the insurance companies instead of us.

I wonder if no-fault insurance will cover me, when I get thrown under the bus?

Contact me at 877-FRANK-LAW, if you have any questions about what your rights are under current No-Fault law, and what will be left of those rights, if you are silent on the Legislature's effort to take from you, something you have already paid for.

Here is another link to the Mitch Albom article.

Learn more about Michigan No-Fault Insurance Laws & Protections.

Typically, health insurance pays “primary” to no-fault, meaning that the health insurer pays first, and any remaining unpaid accident-related expense should then be paid for by no-fault.  This is called “coordination of benefits”. There are exceptions to this for “ERISA-qualified plans”, discussed below.
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I cannot stress enough the importance of cooperating with your insurance company, before you have to hire me as your attorney. If you do have to hire a lawyer, he/she (or I) will be your contact with the insurance company.
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Sometimes, there are potentially more than just one insurance company, who might be responsible to pay your no-fault benefits.  Specific rules, allocating this responsibility are set forth in MCLA §500.3114, in order, more or less as follows:
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