Uninsured and Underinsured Motorist Coverage in Michigan: What UM/UIM Actually Pays
Michigan has one of the highest uninsured driver rates in the country. Here is what UM and UIM coverage actually pay — and what Michigan drivers need to know before they need it.
Michigan Police Misconduct During Traffic Stops: Your Civil Rights and How to Enforce Them
Michigan police officers must follow constitutional limits during traffic stops. Learn your rights, how to sue under § 1983, and what evidence to preserv
Uber and Lyft Accidents in Michigan: Which Insurance Covers You Depends on What the App Was Doing
Hurt in a rideshare accident in Michigan? Coverage depends on what the Uber or Lyft app was doing at impact. Plain-language breakdown of all three coverage periods, Michigan no-fault interaction, and your next steps.
Michigan's One-Year PIP Filing Deadline: What MCL 500.3145 Actually Costs You
Michigan's No-Fault one-year filing rule under MCL 500.3145 cuts off your right to PIP benefits, including medical bills, lost wages, and attendant care, without warning. Here is what the deadline covers, what happens if you miss it, and the exceptions that may still protect you.
Your Doctor Said You're Fine. The Insurance Company Agrees.
The insurance company's doctor spent 20 minutes with you and wrote a report that said you were fine. Now that report is the number on the table. What it does not include is the herniated disc that showed up three months later, the PTSD diagnosis your treating physician never formally documented, or the surgery you may need in two years that nobody has priced out yet. Once you sign, none of that is their problem anymore. It becomes yours. This post breaks down what an IME actually is, why 'maximum medical improvement' is not the same as recovered, and what to ask your doctor before you let anyone close your file.
What to Do After a Car Accident in Michigan: A Step-by-Step Legal Guide
Michigan gives you a three-year window to file a car accident lawsuit. Insurance companies use every day of it to build their case against yours. This guide walks you through exactly what to do in the hours after a crash, from what to say to the police to why you should never give a recorded statement without an attorney. Michigan's No-Fault law is complicated. The steps to protect your claim are not.
Michigan Governmental Immunity Exceptions: When You Can Sue a City, County, or State Agency
Michigan gives government agencies broad immunity from lawsuits, but it carves out five specific exceptions where they can be held accountable. Miss the notice deadline (some as short as 45 days) and your claim is gone, no matter how strong it is. Here's what those exceptions are and exactly how long you have to act.
Section 1983 vs. Monell: The Legal Difference That Determines Whether the City Pays
Most people who've been hurt by police think they have one option: sue the officer. What they don't know is that the officer is often the smallest target in the room. Under Monell v. Department of Social Services, you can sue the city itself. That's the difference between a dismissal and a $5.8 million verdict. Christopher Trainor has won both claims, in the same courtroom, on the same day. Here's how.
Michigan Wrongful-Death Claims: What Families Can Recover and What the Law Doesn't Allow
Michigan's wrongful death law limits who can file, what families can recover, and what it doesn't cover at all. Here's what the statute actually says -- in plain language families can use.
Why Michigan Insurance Adjusters Call You Within 24 Hours, And Why You Shouldn't Talk to Them
That call from the insurance adjuster wasn't a courtesy. It came fast because fast works in their favor, not yours. Before you know your full injuries, before you've talked to a lawyer, they want your words on record. This post breaks down exactly what they're trying to accomplish and what Michigan law actually requires you to say. Read it before you call them back.
What Serious Impairment of Body Function Actually Means in Michigan
Insurance companies have a word for your injury: "not serious enough." They use a legal standard called serious impairment of body function to shut down pain and suffering claims before they start. Most people never see it coming. This post breaks down exactly what Michigan courts look for, which injuries clear the bar and which don't, and what you can do right now to protect your claim.
The Difference Between a PIP Claim and a Third-Party Claim in Michigan
Michigan accident victims may have two active claims running at the same time — with different companies, different deadlines, and different rules. Here's how to tell them apart and why it matters.