What-to-Do-During-A-Parking-Lot-Car-Accident

What to Do During A Parking Lot Car Accident

What-to-Do-During-A-Parking-Lot-Car-Accident

Did you know that one out of five vehicle accidents actually happen while you’re parked in a parking lot? Surprise? Don’t be! Studies have shown that drivers are more distracted when pulling out or driving into a parking lot.  The main cause of distraction is no surprise as well. Studies reveal that attention to cell phones instead of focusing on the drive is the leading cause of distraction. Drivers tend to focus more on their cell phone when they are within the vicinity of a parking lot thinking that they are safe to do so.  If you find yourself involved in a parking lot car accident, here’s what you can do.

What If There Is An Unknown Driver?

The last thing you want to see is your vehicle with damage that is clearly caused by another vehicle after a fulfilling shopping expedition. Unfortunately, since you are nowhere in the vicinity at the time it occurred, the other driver can simply drive away with no one the wiser.  Our law firm doesn’t have a whole lot of experience dealing with drivers are unknown so asked a good friend and personal injury attorney Matthew R. Clark from The Clark Law Office about this exact situation and he offered the following suggestions:

If you find yourself in such a situation, check with your vehicle insurance provider if you have coverage for collision damage. Although it is often recommended, it is best to check and see if it would be more economical for you to shoulder the cost for minor damage repairs. Check with the parking lot owner for any security footage. You just might be able to get evidence such as the license plate of the car who collided with your vehicle. As proof of the collision, request for a copy of the security footage as well.  Obviously, you should always contact a good local accident attorney who has experience dealing with these situations.  If you have any other car accident injury questions for Matthew, it’s best to contact him via their company facebook page.

The Case of a Known Driver

First on the agenda would be to check for any injury caused by the collision. If needed, call for an emergency responder so proper treatment can be immediately given to the injured person.  Exchange information such as contact numbers, names and addresses of everyone involved. Include witnesses, if any. Take note of the location, date, and time that the accident occurred including the make, model, and license plate number of the other vehicle.

Ask for information on the insurance company of the other driver as well as his or her insurance policy number.  Regardless of the extent of injury, or absence of one, you should report the parking lot accident to the local police. This will serve as your protection in case any symptoms of injuries are exhibited a few days after the accident

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Image source: visual.ly

 

The-Hidden-Truth-About-Michigan’s-House-Bill-5013

The Hidden Truth About Michigan’s House Bill 5013

The-Hidden-Truth-About-Michigan’s-House-Bill-5013

Since it’s establishment in 1973, efforts have been made to revise and reform Michigan’s no-fault law. In 26 September 2017, House Bill 5013 was proposed in the Michigan Legislature as a part of the on-going efforts.  Upon its proposal, House Bill 5013 was supposed to be a way to significantly reduce the rates for vehicle insurance for motorists of Michigan. This, however, had a significant downside. Thorough review of House Bill 5013 revealed so much more.

What the House Bill Would Have Realistically Done

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It did not guarantee Michigan drivers a relief from high auto insurance costs.  Unprecedented dollar cap limitations would have been authorized for no-fault benefits. The limit was actually set for a lifetime cap of $25,000 and in very rare cases emergency medical care would be limited only up to $225,000.  Insurance companies be given authority to substantially control the medical care for a patient.

Legal rights of the patients would have been taken away while insurance companies would have more power on the victim’s claims.  Children injured in an auto accident would have been denied lifetime care if their parents purchased an insurance with limited coverage for benefits. This is particularly true if the parents selected the $25,000 benefit cap.  Victims of accidents cause by drunk, negligent, and even reckless drivers would be denied coverage claims from the at-fault driver for any uncovered medical expenses.

Additional Problems

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Benefits for family-provided attendant care would be significantly reduced.  Reimbursements for medical care providers who treated auto accident victims would be significantly reduced.  Studies showed that it could have increased Medicaid costs to about $150 million yearly after 10 years.  Legislative proposals such as House Bill 5013 are one of the reasons why people should be more aware of any law reform proposals. The good news is that House Bill 5013 was rejected by the Michigan House of Representatives held last 2 November 2017.

Could you imagine the nightmare you would have needed to face had House Bill 5013 successfully passed?

What-You-Need-to-Know-About-Michigan’s-No-Fault-Accident-System

What You Need to Know About Michigan’s No-Fault Accident System

What-You-Need-to-Know-About-Michigan’s-No-Fault-Accident-System

In 1973, Michigan adopted a no-fault accident system to increase the compensation benefits for injured persons involved in auto accidents.

Aims

Michigan’s no-fault system aimed to make sure that financial compensations are promptly paid.

It also aimed to decrease payments towards administrative and legal costs.

Uniqueness

Michigan’s no-fault system for auto accidents is unique in that it also encompasses vehicle damage.

Drivers in Michigan are required to purchase collision or comprehensive insurance (or both) that will cover their own vehicle damage.

Compensations

Provides the victim with unlimited benefits for medical and rehabilitation expenses.

Provides the victim with benefits for wage loss up to a maximum of three years.

Provides the victim with up to $20 per day for replacement services.

No Sue Policy

A nosue policy was implemented after the no-fault policy was applied in Michigan.

The only time a victim or their family can sue the other party in auto accidents would be if the accident led to serious injury or death.

Requirement

Every vehicle owner with a registered vehicle must have a basic vehicle insurance coverage to be issued a license plate.

Penalties

Drivers found to be driving vehicles with no-fault coverage would find themselves facing misdemeanor charges.

Drivers can be fined up to $500, sentence to jail for up to a year, or both.

Additional costs and fines pursuant to the 2003 Michigan’s Driver Responsibility Law can also be implemented.

Suspension of driver’s license up to 30 days or until proof is presented that you have a no-fault coverage.

Vehicle registration renewal can be delayed until proof of no-fault coverage is presented.

Other Issues Post Accident

Drivers can be sued, and they may have to pay for attorney and court fees.

Injury from auto accidents that involve vehicles with no-fault coverage may mean that you do not get compensated for any type of expenses. This includes loss of wages, medical bills, loss of services, and/or any other benefits that are usually awarded under no-fault coverage.

Have you tried to apply for a no-fault insurance coverage but was denied by the insurance company? Contact us so we can help.