Category: Blog

On Behalf of

Car accidents can be devastating. Every day in Michigan, they take countless lives. Survivors may have permanent disabilities. Overall, it’s good to have a better understanding of car accidents and why they happen. Such knowledge can help prevent more accidents or allow you to survive one with your health and finances intact.

Why do car accidents happen?

While there is a lot that can go wrong with automobiles, most accidents have similar causes. Understanding these causes can make it easier to prevent them in the future. These common causes of car accidents include:

  • alcohol consumption
  • drug use
  • speeding
  • lack of sleep
  • smartphone use
  • distractions inside or outside the car
  • bad weather conditions
  • aggressive driving behavior
  • disregarding traffic lights and stop signs

How can you prevent auto accidents?

Once you know the top causes of car accidents, you should be able to adapt behaviors that make them less likely. This can include behaviors such as:

  • following all traffic laws
  • paying attention to traffic lights and signs
  • driving under the speed limit
  • turning your phone off while driving
  • focusing squarely on the road and what surrounds it
  • driving defensively
  • using a designated driver when drinking
  • always getting a good night’s sleep before driving

What should you do after a car accident?

Unfortunately, despite your best efforts, you may still end up in a car accident due to the actions of another driver or some other circumstance you cannot control. After an accident, medical attention should be sought immediately. Even minor car accidents can result in serious medical trauma. Other standard procedures include contacting the police and drivers’ insurance providers. Evidence such as photos and witness testimony from the scene can be collected if you believe there will be future legal proceedings regarding the accident.

Driving safely can save lives. Still, most people, even safe drivers, end up in car accidents at some point. After one, ensure you take the right steps to protect your health, legal rights and financial well-being.

On Behalf of

Riding a snowmobile in Michigan is a fun activity, but you still need to take safety precautions. Snowmobiles are like any vehicle where you want to perform maintenance, practice defensive driving, and check the weather beforehand.

So, here are some tips for staying safe while driving a snowmobile:

Check the weather

It is best to check the weather beforehand to avoid getting caught in bad weather. This could be checking for wind, ice, temperature, or other hazards.

Wear appropriate clothing

Dressing for the weather and having appropriate gear are essential for safety in terms of keeping warm and not injuring yourself. To dress properly, you should wear layers in this order:

  • A baselayer will wick away moisture
  • A midlayer will provide insulation
  • An outer layer will protect you from the wind and keep you warm
  • A helmet and face shield help visibility and coldness, especially injury in case of an accident
  • Insulated boots and leather mitts give warmth and protection
  • Extra socks are useful when your socks get wet from sweat

Stay alert

It is essential to be observant of the objects around you. So it would be best to look out for ditches, animals, and other people.

Do not ride on ice

Try to avoid riding on ice since it is hard to judge its thickness. That means the ice could easily give way under the snowmobile.

Inspect your snowmobile

It would be best if you inspected your snowmobile for fuel and oil levels, headlights, and other parts of the vehicle.

Which of these tips will you implement?

Snowmobiles are still vehicles, so being careless can still bring great harm to you or others around you. So, it is crucial to practice safety tips to ensure safety for everyone.

On Behalf of

In Michigan, people hurt in car accidents may seek financial compensation for their losses. What happens right after a car crash may affect how the subsequent legal proceedings progress. Avoiding common mistakes after an accident seems advisable.

Mistakes accident victims may make

Possibly the worst mistake involves leaving the scene of an accident. Doing so opens the departing driver to criminal charges, perhaps felony ones. Hit-and-run drivers might also strengthen a victim’s liability case for punitive damages.

While most drivers would not likely flee the scene, they could make the unfortunate mistake of admitting fault. That could hurt any attempt to defend liability claims. Ironically, someone who is not entirely at fault may take full blame out of fear or nervousness.

Oversights present legal concerns. Not getting the other driver’s contact or insurance information may complicate things. Failing to procure any evidence at the scene might also lead to trouble. Photographing damage or injuries allows the victim to enter such images into evidence. Getting contact information for witnesses might help, as well.

Medical care and legal matters

Accident victims who do not seek immediate medical care put their lives at risk. Someone might not believe they are hurt severely, but such self-assessments may not be based on reality. An MRI or a physical examination by a doctor could reveal worse injuries than someone realizes. And not all motor vehicle accidents involve someone pronounced dead at the scene. Internal injuries could lead to death in hours or days following a crash.

Insurance settlements often address accident claims. Inexperienced persons may tell the insurance investigator too much, hurting their claim. Or, lack of experience may undermine the settlement negotiations.

On Behalf of

Highway accidents can happen in a split second and completely change your life. The best way to avoid them is to know what mistakes to avoid while driving in Michigan. Here’s a look at some common preventable blunders.

Not paying attention to the road

Distractions are some of the leading causes of car accidents in Michigan. It’s easy to get distracted, especially when you are new to the roads or not used to long drives. Some of the things that can take your attention away from the road include:

  • Interesting stuff on the road
  • Your phone
  • Daydreaming
  • Your passengers
  • The dashboard

Driving too fast for the conditions

Driving over the designated speed limit is dangerous. Moreover, driving the speed limit in risky conditions is equally perilous. For example, if it is raining or snowing, you should be going slower than the speed limit because it takes longer to stop in these conditions. Also, windy conditions can make it harder to navigate turns.

Not leaving enough space between you and other cars

Leaving enough distance between your vehicle and the car in front of you is important for many reasons. First, it gives you time to react if the other driver makes a sudden stop. Second, it prevents you from rear-ending the other car if they make a sudden stop. Finally, it gives you more time to brake if necessary.

You should always leave at least three seconds between you and the car in front of you. If you are driving in bad weather or slippery roads, you should leave even more space.

Michigan is a no-fault state when it comes to car accidents. This means that each driver’s own insurance company will pay for their medical expenses and property damage, regardless of who was at fault for the accident. However, if the injury is severe and the damages to your vehicle go beyond what your insurance company can cover, you may be able to file a lawsuit against the responsible driver.

On Behalf of

Have you suffered a traumatic injury to your brain? This is a calamity that you can’t afford not to take seriously. The effects of this injury could lead to a dramatic decrease in the quality of your life, lasting for a long time or even becoming permanent. Here is what to do if you someone in Michigan is responsible for the injury.

Get medical attention

Any damage to your brain, whether temporary or permanent, will certainly count as a serious injury. The most important thing to take away from the aftermath of such an incident is that you need to make sure you are dealing with the right specialist for your injury.

You will also need to find out which kind of tests and evaluations can be used as evidence when you file your personal injury claim. These are the tests that you will rely on as proof that you really did suffer an injury that you deserve full compensation for.

Gather all the evidence to make your case

You should be proactive in gathering up all of the evidence that you need to prove your claim. You can gather medical reports as well as statements from people who witnessed your accident. These should also include statements from police and emergency medical personnel who arrived on the scene. The more evidence you can gather, the stronger your case will be.

You will need strong evidence to file a claim with your insurance company. If you experience any resistance from the insurer, you may need to take your case to court. The aim will be to get the compensation you need to cover your medical bills and additional damages.

On Behalf of

Accidents happen on Michigan roads with a regrettable frequency. Even when motorcyclists do their best to be safe, some crashes prove unavoidable. Throughout the United States, motorcycle collisions cause injuries, property damage, and even death. A review of statistics from past years might explain why crashes occur.

Worries about accidents on the road

Motorcyclists have good reasons to worry about their safety. A motorcycle lacks the protections a vehicle offers, and motorcyclists might suffer far worse injuries in an accident. A review of statistics from 2018 shows nearly 5,000 motorcyclists died in accidents, an alarming figure. Some states and localities could present more significant risks to motorcyclists than others, but danger looms whenever a motorcyclist takes to the road.

Highway travels and high speeds aren’t necessary for severe injuries. Someone opening a door on a parked car or backing out of a driveway careless could result in deadly consequences for a motorcyclist. Besides being careful on the road, motorcyclists may benefit from wearing appropriate safety equipment at all times.

Risks, dangers, negligence, and motorcycle accidents

Like so many avoidable motor vehicle accidents, motorcycle crashes often involve someone’s negligent behavior. Both sadly and unsurprisingly, drunk driving contributes to numerous motorcycle accidents. An impaired driver could hit a motorcyclist without warning, leading to tragic consequences.

Not all motorcyclists are accident victims, though. Some make ill-advised decisions, such as hitting a turn too fast, resulting in crashes. A motorcyclist’s improper decisions may cause harm to another vehicle or a pedestrian, making the motorcyclist potentially liable.

Although lawsuit judgments or insurance settlements cannot eliminate pain and suffering, the compensation could cover financial losses.

On Behalf of

Winter is a time of year when motor vehicle accidents are common in Michigan, and many drivers do not know how to stay safe. It’s important to prepare yourself for anything; these three tips are here to help you do that.

Mind your speed

In winter, weather conditions can change quickly and dramatically. You may be driving along in perfect visibility when suddenly the flakes start falling, and you’re faced with an icy road to navigate at a much lower speed than usual. Even if it’s not posing any danger to yourself or other drivers on the road, continuing at your normal pace in bad weather will only make things worse for yourself. Generally, you should try to drive as slowly as possible, and if you need to stop, try your best not to brake suddenly.

Confirm that you have the right traction

If you don’t have winter tires installed on your vehicle, it’s imperative that you stay off the roads unless they are completely clear. However, even if you do have winter tires, make sure to check their condition before setting out into hazardous weather conditions. If there is any damage or issues with the tires at all, get them fixed as soon as possible. Otherwise, you could be putting yourself and other drivers in serious danger if there’s an issue with your tires when it matters most.

Mind your headlights

Avoid using high beams in foggy conditions as it can blind oncoming traffic. Many motor vehicle accidents happen due to drivers not being able to see each other in time. If you’re driving on a motorway and somebody suddenly speeds out of the fog, your high beams could potentially blind them so that they don’t see where they are going until it’s too late. Use your low beam headlights when visibility is poor, and if conditions are very bad, it’s best that you stay at home until the weather clears up a bit more.

Winters can get harsh, but staying safe is not as hard as you might think. With these three tips in mind, motor vehicle accidents should be less of a concern for yourself and other drivers out on icy roads.

On Behalf of

Michigan drivers of all experience levels probably remember how nerve-wracking it was to be a brand-new driver. Learning how to operate a vehicle while also trying to watch the road is a very nerve-wracking experience for someone who’s just getting started.

Teens learning to drive have a right to be nervous. Car accidents are the second leading cause of death for teens in the United States.

Accident statistics

New drivers face car accidents at an alarming rate. As of 2019, teenage male drivers between the ages of 16 and 19 were twice as likely as females to get into a car accident and die.

Teen drivers who are driving with other teenagers or passengers in the car are also more likely to get into an accident. The odds of an accident increase with each passenger in the car.

The highest risk factor is inexperience. The first few months of being licensed can be the most fatal as teenagers are more likely to underestimate a situation or not recognize a danger at all.

Understanding risk factors

Nighttime driving has different dangers than daytime driving does, so new teen drivers who haven’t driven at night before are more likely to get into an accident their first few times driving at night. According to studies, 40% of car accident deaths among teens happen from 9 p.m. to 6 a.m.

Weekends are also risky for teen drivers. About 52% of motor vehicle accident deaths among teens occur on a weekend. This can be due to an increase in traffic or unpredictable behavior from other drivers.

Other causes

Teens are also more likely to engage in risky behaviors such as speeding, not wearing their seat belt or using their cell phone while driving. It’s important to teach new drivers the dangers of these behaviors and to model good driving behavior for kids from a young age.

On Behalf of

It is easy to forget the fundamentals about what to do in the aftermath of a motor vehicle accident (MVA). It is wise for Michigan residents and people across the nation to understand the litany of challenges that can arise and address them by adhering to the basics. This is not only vital for safety, but it can also be crucial when weighing the available options.

Taking certain steps can cover all the bases

To avoid leaving out key details as to how to handle auto accidents, the Insurance Information Institute (III) has created a list. In a crash, injuries are unfortunately common. These can be obvious or hidden, manifesting with symptoms later. It is important to check and see if anyone — a driver, passengers and others who were involved — was injured. Accidents generally happen in the middle of a street or road. It is wise to get to the side of the road, where it is safer, and immediately dial 911.

Those who are able to do so should talk to the other driver and exchange insurance information. This is essential when trying to recover damages for repairs and medical care. That includes the insurance information, driver’s license number, license plate, name and address. Many may not realize that the police report is a primary source of information. A driver should ensure that he or she has a copy. Since just about everyone has a phone with a camera and video capabilities, a priority is to take images of the scene and the vehicles involved in the MVA. Witnesses will likely be at the scene. Getting their information can be helpful.

Following these steps may smooth the process

People who are in an MVA will need to think about receiving medical care, fixing their vehicles, getting a new vehicle, and addressing the possibility that others were hurt or lost their lives in the collision. Knowing the basics can be beneficial in these situations. It is also important to have this information when considering a legal filing. Having professional guidance for that is also imperative.

On Behalf of

Drivers moving to Michigan likely understand the necessity of purchasing an auto insurance policy. They might not realize that Michigan is a “no-fault” auto insurance state. Drivers or passengers injured in an accident may follow a different claims process than was the case in their previous state of residence.

How a no-fault auto policy works

With no-fault auto insurance, drivers purchase personal injury protection, or PIP, coverage. PIP coverage allows someone injured in an auto accident to file a claim against his or her auto provider. The claimant does so regardless of who caused the collision. Michigan’s no-fault auto insurance statutes also require drivers to carry residual liability insurance for property damage and bodily injury coverage along with property protection insurance.

Some drivers might find no-fault laws preferable since suing another party to recover losses may be more challenging in some instances than filing a claim against one’s insurance policy. In addition, no-fault laws might protect an at-fault party from a lawsuit when car accidents occur. Filing a no-fault claim could eliminate the ability to take legal action against another party.

Other matters to consider in a no-fault state

The law does not eliminate the ability to sue another driver for damages. Car accidents resulting in death or serious bodily injury open legal doors for lawsuits under liability claims. The same could be the case when the at-fault driver is a non-resident driving a vehicle not registered in Michigan.

Whether an injured person is filing a no-fault or liability claim, insurance companies may present challenges. “Lowball offers” or refusals to pay out on valid claims could complicate the situation. Sometimes, taking legal action against an insurance company becomes unavoidable in order to recover compensation.