michigan car accident question

but did you get the 430 lincoln..??????? jeffrey

 

yes, the very cool fire department helped me bend the trailer back to a usable piece and we got the motor picked up. i'm no candyass.
had the girls checked out first of course.
state cop was a hot rodder too

 

I lived in Minnesota when "no fault" was started. When you read the fine print, what it amounts to is a pree pass for the insurance companies. They are not your friend, but the law says you have to have it. Catch 22.

 

yep..in my world I call that a Monopoly..well maybe not because theres more than one playing the game..so legalized extorsion is a good name for it
forced by law to have it..and they can charge you whatever they wanna...bastards

 

Sorry Man,....... What the fuck ever happened to people having to be responsible for their own actions???

 

Yup,they are all in bed with each other because they are smart.Just like sharks,they pick out a prey who is a loner and go into a feeding frenzy.
That's whay on any vehicle ya really care about it's important to have adequate comp insurance.
Well,at least it's good the guy here with the 430 at least got the engine home.

 

EXCELLENT YOU THE MAN !!!!!!! glad your all ok...jeffrey

 

http://www.legislature.mi.gov/(S(fb...g.aspx?page=getobject&objectname=mcl-500-3135

http://www.michigan.gov/documents/cis_ofis_noflt_gd_25094_7.pdf

http://www.michiganautoaccident.net/nofaultguide.htm

http://www.a2lawyer.com/articles/injury/third_party.html

 

Insurance Companies where the reason I sold my buisness & retired after over 45 years in the bodyshop trade, FUCKIN THIEVES

 

This is my first post so don't come down on me too hard. First of all, I am an unemployed claims adjuster in Georgia so we don't have no fault here. It seems like a strange concept to me but it's not your insurance company that's the bad guy here. Michigan's government decides what type of coverage they will have in their state so if you want to blame someone, blame your politicians. The insurance company is correct but they will subrogate against the at fault party to get their money back. I hate to advise anyone to get an attorney because they don't do shit but in this case, I think you're going to need one. If the boy died, an estate will have to be set up which takes a long time and he probably didn't have anything to get so you would need to go after his carrier as well. You also have punitive damages because he was drinking (some states don't have punitive damages so you need to look into that because if Michigan does, that's where you can really nail them. Also look to see if he had any prior DUI's). All of this is above the average persons abilities so I would get an attorney to help you along. You have lost wages as well along with pain & suffering so if I had your case here, it would be a policy limits case (good for you). The boy probably had low limits so you may have a claim with your insurance company depending on what your policy limits are. Again I'm not familiar with no fault but it sounds like a pain in the ass! My point is the insurance companies aren't the bad guys here, they're simply following what your state has voted into law. Down here if someone is at fault, their company pays for everything. Hope you and your family are OK and things work out for you. Rick

 

GREAT links Dick

 

Bitchin 55 , why are you unemployed ?

 

I think it's called a monopoly , I thought we had laws against it , guess not

 

they can do what ever they want..we just cant..

 

Jeez you guys, where do you come up with this crap??
Know your definitions before you start spouting out loud on the internet.

 

Get an attorney and have him/her handle it. No fault is simply for the automobile, not the personal liability. You have to take civil action against the person. If he had no insurance, you will actually sue your insurance will have to pay under your un/underinsured coverage. You should pay nothing out of your pocket while this is going through the courts. GOOD LUCK

 

Knowing your coverage helps too. I can understand 'scooby askin cuz he's a Hoosier.

 

Wrong

Personal Injury Protection (PIP)
This part of your no-fault policy pays all
necessary medical costs if you are hurt in
an auto accident. It also pays, up to a
maximum amount, wages you would have
earned if you had not been hurt, for up to
three years. This amount is adjusted each
year on October 1st, and you may wish to
contact the bureau to determine the current
maximum monthly amount. As of October 1,
1999, the amount was $3,760.00 per month.
If you are killed in an accident, your policy
will pay your family up to the monthly
amount for three years, based on your
earnings and fringe benefits. You may also
be entitled to up to $20 per day in
replacement services. This is to pay for
services you are no longer able to provide
for yourself or your family because you are
injured, such as housekeeping and yard
work.
You may coordinate PIP coverage with other
health or disability coverage you have to
reduce your PIP premium. Medicaid,
Medicare, and some self-funded health
plans, however, do not allow coordination
with PIP coverage. If you do coordinate your
health coverage, and you are injured in an
auto accident, your no-fault policy will pay
your medical expenses or lost wages after
you have used all the benefits under your
health or disability plan. When you
coordinate, these auto insurance coverages
may be called excess medical/wage loss.

 

So hey Denise, can you gimme a quote on a 1961...

 

I would still call a lawyer to find out the real deal here man. It is complicated. No sense in getting banged up in an accident then getting screwed. I would assume an Indiana lawyer has had to deal with this in the past.

 

So, Highlander are you think'n D has missed her calling? While she is real good at keping the HAMB bone stirred in the soup here, I'm think'n we got us a real live Insurance agent in the mak'n here - ya think?

Meanwhile, I like Dick's think'n - get a good lawyer - ok enough with the oxymorons....

 

Super Plus, they never told me why I was fired, they simply told me resign or be fired. Since then I've had maybe 7-8 interviews in a year. It's tough down here in Hotlanta. Unemployment doesn't allow much spending on my cars.

 

Get a lawyer! Here in Ct. we are a no fault state. My wife, Jeanne, was hit in the drivers door as she sat stopped at a red light. An old guy came around the corner too fast. He lost control in his Ranger pickup spun so he was aimed at my wife in our 84 Delta and proceeded to plow into her door. She was injured in her shoulder. She did require surgery. We did have a lawyer and sued. Most of the award came from our insurance co. The rest came from his insurance co. No doubt our company sued his company to recover what they gave to Jeanne. We still have the same insurance and have never had an increase in premiums. We had no accidents prior nor since. You can say we drive like old people? Anyway don't waste time and get an attorney now.

 

In some cases, you're in a better position if the "at-fault" has NO insurance (if you have un-insured motorist).

But the bottom line, is to avoid the internet lawyers and find a really good (oxy-moron?) lawyer. Good luck. Stu

 

party pooper

 

And if that "someone" hits you, is at fault and has no insurance, who pays?

CC

 

"down here", we have uninsured motorist coverage---it's a rider on your policy that's basically insurance in case you get hit by somebody without insurance, even though it's law that you have to have insurance And yeah, it costs extra.

Who says it ain't a racket........

 

Thanks....
CC

 

no it's just plain stupid!!!!!!and i've been told that the voters of this state are the ones who passed the "no fault" shit.....drive around up here and ya can tell it's a no fault state...damn near everyone drives like they are crazy!!!!!!

 

I like my agent,but hate the insurance industry for what they put us through when we are paying their wages