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No Fault Insurance Benefits for Car Accident Victims: From the Attorneys of Michigan Auto Law


Many people don’t realize that following a serious injury from a car accident in Michigan, they are entitled to medical care and several other benefits through their No-Fault auto insurance. In this video, attorney Larry Gursten, partner of Michigan Auto Law, explains all five No-Fault benefits that are available for accident victims. He also covers the application process and time limits for filing forms and an auto accident lawsuit.
Here’s some of what Larry has to say: “I’m going to try to explain to you the No Fault law in your action against the insurance company for your benefits, and I’m going to give you knowledge and understanding to help you in collecting these benefits.
The first No Fault benefit is medical bills, and I know that is a concern because everybody wants to get their doctor bills paid, their hospital bills paid. Fortunately in Michigan, this is an excellent coverage. If you have medical insurance first in your household, you have to go to that medical insurance and if they pay if it’s an automobile accident, because that you’ll also have to check on, then the medical insurance will be first. If you do not have medical insurance in the household or they say to you, We don’t pay if it’s an automobile accident, that is not a problem because then your auto insurance or the auto insurance of a relative in your household is going to pay all of your medical bills for life.
The next benefit is lost wages and this is also a great benefit. You are entitled to 85 percent of your gross lost wages, tax-free every month you are disabled for up to three years. That is a wonderful benefit. So remember, it’s tax free. It’s just a form from your employer that filled it out. If you have overtime, please put in your overtime. And you’re entitled to collect overtime not even the date of the accident, but while you were disabled if you would get a raise, you are entitled to also have that raise included in your lost wages.
The third benefit is called replacement services. Sadly, when this law was passed in 1973, that benefit was a day for people doing the work that you can no longer do: housework, shoveling the snow, cutting the lawn. That has never gone up by the cost of living. So there’s another form for your doctor to fill out stating you’re in need of replacement services and then there is also a form for the people doing the work to fill out. They could be a husband, wife, family, friends, whoever is doing that, and they are entitled to be paid at a day.
Your fourth No-Fault benefit is called medical mileage and you are entitled mileage every time you go to a doctor or hospital. So please, track your mileage. There are mileage forms – the insurance companies have them, Michigan Auto Law has them – you fill them out and you’re entitled to mileage.
The fifth benefit is for when you are so seriously hurt that somebody has to help you with the functions of daily living: dressing, eating, going to the bathroom, etc. This is called attendant care. And if you have that or you have a closed-head injury that is serious enough that you need help – somebody near you to help supervise at night, somebody has to be there in case you cannot get out of the house in an emergency – that is called attendant care and that is paid on an hourly basis. That is an extremely important coverage, because sadly, where people are seriously hurt, you are entitled to collect 24 hours a day, seven days a week if that’s what the doctor says, and that goes on indefinitely.
So lost wages are three years, replacement services are three years, but the attendant care can be for life or as long as you need it. It is complex, it is sophisticated, but it is a great benefit for you.
What can you do if you’ve been in a car accident and you’re wondering what your No-Fault rights and benefits are? You can call the attorneys of Michigan Auto Law at (800) 777-0028. Please understand that every factor can change an answer and it is extremely important that you call an attorney to about these benefits because this is a technical, complex law. There is no charge, no obligation.
Michigan Auto Law has exclusively handled auto accident personal injury cases for more than 50 years. Our personal injury attorneys have helped thousands of people get the all of the No-Fault benefits and compensation they’re entitled to following serious crashes, because this is all we do. We can help you, or your loved ones, too. We have 18 attorneys that handle cases throughout the entire state of Michigan, with law offices in Farmington Hills, Detroit, Ann Arbor, Sterling Heights and Grand Rapids to better serve you. For more information on Michigan no fault benefits visit http://www.michiganautolaw.com/no-fault/no-fault-benefits/.

Why You Should Go With Zander Insurance

If you are wondering about an insurance company, it would be best to go with zander insurance. They can offer you term life, disability and identity theft protection. They have been serving people for 80 years and one of the largest firms in the United States.

zander insurance reviewIf a company has been around as long as they have and they have a lot of good reviews, it is safe to say they would be a good company to work with. When it comes to insurance, you want to make sure you can find a good and honest company. Zander insurance would fit that description.

It is very important that you do you research before you decide to go with any company. You want to make sure you make a choice you are happy with. You don’t want to end up in a difficult situation because you went with a company that didn’t know what it was doing or that lets people down.  So if you think Zander is the right company check out a Zander Insurance review online to make sure you are with the right company for you.

You need to get some quotes so you know about how much you would be paying each month. It would be a good idea to talk to someone about it and find out what would be best for you and your family. Calling each of the companies you are thinking about going with is a good step in order to find out if they will work for you.

When you call Zander Insurance you will be happy with what you hear. They will be able to give you a quote and let you know what they think would be best for you and your family. Don’t be afraid to ask them any questions you might have. They are used to answering them as other people have gone through the same process.

Life insurance is very important as you need to leave your family something if you were to pass away. It is important that you figure out the right amount and go with what you would be happy with. You want to leave your family with enough that they would be okay and that money would be the last thing on their minds.

Identity theft can be a big problem these days so it is good that you can get protected from it. You never know if you will be the one someone would target and it is best to do what you can to avoid being a target. Zander insurance can help you do that.


What You Need To Know About Life Insurance For Diabetics

Most people are surprised to learn that life insurance policies are available for people with diabetes. Not every insurance company will write a policy and availability may be restricted by the laws within a state. However, insurance companies that understand diabetes very well will submit a request for a life insurance policy to their underwriting department for review.

What Information Should You Provide To The Underwriters About Your Diabetes?

People with diabetes are required to disclose details of their medical history in order to qualify for a life insurance policy. Here are sample questions:

1. What type of diabetes do you have? Policies are available for people with Type I, Type II, as well as applicants who have been diagnosed as pre-diabetic.

2. What medications do you currently take to control your diabetes? Underwriters will look at the dosage levels and frequency of medications. They will also ask about proteinuria in order to assess your risk of developing kidney disease.

3. How well controlled is the diabetes? This question will factor heavily in the price and type of policy offered to you. If your HbA1c is less than 7, you do not have any additional risk factors, and you regularly exercise while eating a healthy diet, you will be considered as a best case for a life insurance policy.

If you have diabetes and have been turned down for life insurance by one company, do not despair. Since underwriting departments at insurance companies vary, it may be that you need to contact a company that is more knowledgeable about diabetes. Working with an agent like Diabetic Life Insurance Solutions will allow you to shop many companies and have someone to help you go through the minefield of finding a good carrier.  If you have the condition well under control and are able to prove that, you may even qualify for a preferred plan. Comparison shopping really matters when it comes to purchasing life insurance for diabetics and a single rejection should not deter you.


Why you should make sure you have disability insurance

Disability insurance can come in very handy in the event that you become disabled. This type of insurance provides you with the money you will need to meet your financial needs while you are unable to work. Even if you already have money saved up for such an emergency, there are still many reasons to invest in disability insurance. Keep reading to find out more.What the Statistics Tell Us

According to insurance statistics, the average adult is much more likely to become disabled than they are to die of a premature death. There are many reasons for this, including advancements in medicine and new treatment methods for many diseases. While it is possible to go through life without ever becoming disabled, the statistics are high enough to make disability insurance a good choice for most people. This is especially true for those who are the sole financial providers for their family.

How Would Disability Affect You?

disability insuranceIt is important to consider what you and your family would do if you ever became disabled. While some disabilities may be temporary, others can last for months, years or the rest of your life. It will be beneficial to come up with a plan for this scenario in advance. You may decide that another family member will need to become the main provider or that you will need to cut back on expenses. Disability insurance can be a great help to people who find themselves disabled, as it will provide you with a livable income until you find a more permanent solution, which is why it is also sometimes called income protection insurance.

Disability Insurance via an Employer

Many people assume that the disability insurance that their employer provides will be sufficient to sustain them in the event they become disabled. However, this may not always be the case. Many employers only offer short-term worker’s compensation or disability insurance that may not be enough to cover all of your living expenses. You may also be eligible for Social Security if you become disabled, but many applicants are denied many times before their claim is finally approved. Even people who are approved for Social Security may be subjected to a six month waiting period before receiving benefits.

Because of this, it is a good idea to become familiar with the worker’s compensation benefits offered by your employer. If you find that they are insufficient, you can find a third-party disability insurance provider to supplement any worker’s compensation or Social Security payments you would receive.

Disability insurance is a great safety net that will help to ensure that you and your family are financially protected in case you ever become disabled. Anyone who supports themselves or someone else should look into the benefits of this type of insurance.


A smoker’s life insurance options

Higher premiums are usually in store when it comes to getting life insurance if you are a smoker. At least this holds true for those under the age of 50. For adults in their 20s, 30s and 40s standard life insurance policies are available just as they are for everyone else. How healthy you are will be a large factor in keeping your premiums life insurance options for a smokerlow, but for those that smoke, the insurance rates can be significantly higher. Also, the rates are for those that smoke cigars as well as cigarettes. Cigars are seldom inhaled, but to an insurance company they will count as smoking. Whether you smoke cigarettes or cigars, your first option is to get a regular life insurance policy, but you will pay more for your premiums.

If you are over the age of 50, you can get a low cost life insurance policy with no medical questions asked. In fact, there will be no requirement for a physical. This type of policy will not pay much in the first couple of years, but after that, it will pay in full if you die. This type of policy can be a great deal, but the one drawback is that it is only available to those in a certain age bracket.

A third option is to quit smoking. This is obvious, but it needs to be said. One thing to keep in mind is that an insurance company will want to know when your last cigarette was smoked. If you have smoked in the last year, they may consider you to be a smoker. Each company has their own methods to compute premiums. However, the sooner you quit the sooner you will be able to enjoy lower cost life insurance.

People may think there is a fourth option. You simply lie on the application. Make no mistake, this is not an option. It is insurance fraud, and you can go to jail. Naturally, if you are found to have been a smoker after you have died, there are no consequences. Your family, spouse or beneficiaries will suffer when they are denied money they should have received from the policy. All you did was pay premiums for nothing. Always be honest on your life insurance application.


The advantages of burial insurance

Close up of approved Funeral Insurance policyWhen the word insurance is mentioned, the first thing that comes to the mind of most people is common insurance policies, such as life insurance, health insurance or car insurance. All these insurance policies are important, but one type of insurance is often overlooked: funeral insurance. It is equally important and beneficial. Funeral insurance, also known as preneed insurance or burial insurance, allows you to cover your burial costs so that your family members do not end up struggling with the costs later on. How is burial insurance beneficial? Well, here are the major advantages of burial insurance.

Financial security

Burial insurance is not a protection against a potential risk but an advance payment to a future service. This is a perfect way to bring your finances to a close when your time on earth ends. This will ensure that your funeral does not affect the financial stability of your dependents. Surely, you do not want to trouble your loved ones with the costs associated with a funeral while mourning for your demise. This is the best gift you can leave them when your time comes.

It is also important to consider the high cost of funeral services today. On average, the cost of organizing a funeral for an adult is more than $4,500. Nearly one-third of that amount is spent on buying the casket only. This amount is so huge that it can literally empty the pockets of your dependents if they are left to meet the funeral costs.

Ability to customize your funeral

Preneed insurance enables you to customize your funeral arrangements before your time comes by paying for burial services. A burial insurance policy covers the cost of various products such as funeral caskets, hearses, burial plots, urns, vaults, flowers, grave digging and filling and grave markers. Funeral insurance also allows you to make known your wishes or preferences on how you want your funeral to be carried out, perhaps your favorite theme or church. Since there will be enough resources to fulfill your wishes, your family will certainly honor them.

No legal complexities

The common practice of organizing funerals was through a trust. A given amount was reserved to cover the burial costs. The concept of burial insurance became very popular due to the legal complexities that came with the trust setup.

Peace of mind

The death of a loved one is usually associated with a lot of emotions that may get out of hand. This necessitates the need for people going through such a loss to get assistance in arranging the funeral. This will save the family members a great deal of effort and time in arranging the burial.

To enjoy these benefits, ensure you buy burial insurance from a reliable company. A number of firms have entered the funeral insurance market. With preneed insurance, many people, particularly senior citizens, can now plan for their death in advance to shield their relatives from burden. According to many experts, buying this kind of insurance should be an important part of one’s financial planning process.


What is not in your credit score

credit reportOur credit scores are becoming more and more important to our daily finances. It was not long ago that credit scores were only looked at and considered when you were applying for a loan or looking to open a new credit card. Today, cell phone carriers often pull credit reports to decide whether or not they will require a security deposit from a new customer. Some electric and cable providers do the same thing. Insurance carriers will often give lower rates on auto insurance to drivers with better credit.

As important as our credit scores have become, there are few people that really understand what factors do and do not contribute to your credit score. Here are a few things that are not factored into your credit score:

Your race, color, religion, sex, and marital status.

United States law prohibits any of these factors being considered when calculating a credit score. Lenders are prohibited from using these factors when deciding whether or not to approve someone for credit.

Your age.

Lenders can consider a person’s age for any kind of credit scoring they might do, however, the official FICO scoring that is present on your credit report cannot consider a consumer’s age.

Your salary, occupation, title, employer, date employed, or employment history.

These things will clearly be important to a lender. Before approving you for a mortgage, they are going to want to see a solid work history and that you have enough income to support the mortgage payment. However, these factors play no role in your credit score.

I cannot count how many times I have encountered someone that when we started talking about their credit they said something like, “Oh yeah. I have good credit. I’m a doctor and make $225,000 a year.” It is a surprisingly common misconception that an individual’s salary impacts their credit score.

Along with your salary, any other income sources such as alimony, child support, or rental income are also not calculated into your credit score.

Interest rates.

The rates you are paying on your car loan, credit cards, and mortgage play no role whatsoever in your credit score.

Certain types of credit inquiries.

Credit inquiries (when someone pulls your credit report to look at it) show up on your credit report. They have a slight negative impact on your credit score. However, there are a few types of inquiries that do not impact your credit score.

Consumer-initiated inquiries (a request that you make yourself to check your own credit) do not impact your credit score. Promotional inquiries (when a lender looks at your credit to send you a “pre-approved” credit offer) do not count into your credit score, as well as “administrative inquiries” (when a lender reviews your account with them). If a new employer pulls your credit as a part of their background search before hiring you, it is not counted into your credit score either.