August 19, 2018
PLPD Insurance Coverage for Auto Owners in Michigan
PLPD Insurance Coverage for Auto Owners in Michigan is a complex topic to understand. There are so many auto insurance policies out there that so many people are lost trying to figure which coverage to buy for their car. Furthermore, the language in these policies is so mind-boggling that it ends up confusing them. The last thing anyone wants is to be in an auto accident in Michigan without an insurance coverage. Well, we are going to take a look at PLPD auto insurance and see what it covers and what you get out of it as an auto owner in Michigan. A Michigan Car accident lawyer at Elia & Ponto can help you if you or a loved one is involved in a car accident.
What is PLPD?
PLPD is the acronym for Personal Liability and Property Damage. This insurance coverage is common throughout the country but it differs from state to state. Basically, it means that the insurance policy includes just the kinds of coverages that are required by law. On the other hand, if someone has ‘basic PLPD’, it means that they do not have collision coverage and other times, comprehensive coverage. PLDP is a requirement by law to all motor vehicles on the road in nearly every state, Michigan included. Let’s take a look at some of the coverages.
For an auto owner in Michigan, the least that their Liability Coverage should cover is $20,000 for one individual and $40,000 for an accident. Even so, it is advised you carry a minimum of $250,000 for a single person and at least $500,000 for an accident. The good thing is the difference between this and the aforementioned coverage is just a few bucks. A Michigan Car accident attorney at Elia & Ponto can explain this to you for better clarification.
2.Property damage coverage
In the state of Michigan, $10,000 is the least amount that one must carry for Property Damage. Nevertheless, we advise you to carry at least a minimum of $100,000. Why is this? Well for one, the Property Damage coverage only comes to play when you are in an out-of-state accident. So if you accrue $20,000 in damages to the victim’s car and your property damage coverage only carries $10,000, you will have to foot the remaining vehicle damage cost from your wallet.
3.Property protection insurance
In Michigan, you are expected by law to take up Property Protection Insurance (PPI). This insurance covers all damage to property such as buildings and to any other non-vehicular property, except parked cars. In Michigan, parked cars are under property and are not considered as motor vehicles. In Michigan, the PPI coverage stands at $1 million.
4.Personal Injury Protection coverage
Another coverage required by law in Michigan is the Personal Injury Protection (PIP). This coverage is what defines the No-Fault coverage as it pays for one’s medical expenses, loss in wages and any other expenses that may arise from you being in an auto related crash and getting injured. Let’s see what one stands to benefit from with the PIP coverage in depth:
Medical expenses: According to the Michigan no-fault law, you will receive reimbursement for all the medical expenses that arise from personal injuries occured from the auto accident. However, the benefits depend on the kind of insurance coverage. For example, the benefits may be coordinated, which cover the expenses not met by one’s basic health insurance, or they may be full benefits, which cover all the incurred medical expenses, regardless of whether they are paid by your health insurance provider.
Medical mileage: The Michigan no-fault act also allows for the payment of all the transportation expenses such as the mileage expenses when going to and from the doctors’ offices, hospitals or rehabilitation clinics, or any fares you accrued if you are unable to drive. For that reason, it is important to keep a record of all the mileage expenses and hand them to the insurance company together with other medical bills.
Wage Loss: This clause in Michigan’s no-fault law reimburses you with 85% of the wages that you lose following your injuries, in accordance to the statutory monthly maximum and that gets adjusted each year. Additionally, wage loss is paid for three years from occurrence of the accident.
Household Services: In this provision, you receive up to $20 every day to cater for services that you normally did for yourself, but now have to hire someone else to do as you are unable to do them following auto accident injuries.
Attendant care: These benefits are also referred to as nursing services and refer to ‘activities of daily living,’ such as bathing, dressing, other grooming activities among others. This compensation is entitled to legal guardians or family members that perform these attendant care services.
Now that we have seen the mandatory auto insurance coverages. Let us take a look at some optional coverages:
Collision and comprehensive: These cover fire, vandalism and theft. They are not mandatory according to Michigan law. They are optional. Still, if you took up a loan to buy the car and you are not done making payments, the finance company may have require you to purchase collision and comprehensive coverage so as to protect the car.
Mini tort: This coverage is also optional and covers limited property damage. For auto owners with this coverage, their insurance companies foot up to $1,000 for damages to the victim’s vehicle if you are at fault for the damage and if the damages are not covered by the victim’s insurance policy.
In conclusion, when you buy PLPD coverage in the state of Michigan, it means you are covered with liability, have coverage for property damage when in out-of-state accidents, PPI when in in-state accidents as well as No-Fault PIP. What it doesn’t cover is collision coverage or comprehensive coverage.
Of course with being in an auto accident in Michigan, there are many complications that can arise and you might find yourself in a difficult situation. This calls for seeking the services of the right Michigan auto accident lawyer. At Elia & Ponto, we are ready to help you today!
August 10, 2018
What you need to know about Michigan Parking Lot Accidents
What you need to know about Michigan parking lot accidents can be complex at times to understand, a Michigan auto accident lawyer at Elia & Ponto can make this easier for you. During this time of year, shopping malls and retail stores are more crowded than ever. Parking lots are bombarded with holiday shoppers that bring congestion to the lot and cause the drivers to become impatient. This means that chances of being in a parking lot accident are greater with these circumstances.
One out of five accidents occur in parking lots and two-thirds of drivers don’t pay as much attention when they’re driving in a lot as they would on the road according to the National Safety Council. Cell phones are the leading cause of inattentive driving accidents. If you or a loved one was involved in a parking lot accident in Michigan, a Michigan Auto accident lawyer or Detroit Auto Accident lawyer at Elia & Ponto can help you.
The anonymous driver in a parking lot accident
Unfortunately, there are situation where your vehicle can be hit, and the responsible party flees the scene with nothing left behind but your damaged property. If you are a victim of a hit-and-run, you cannot blame the parking lot owner or store owner as they are not the responsible party.
Most auto insurance policies provide you with collision coverage. Reach out to your insurer and see if the damages are covered if at no fault. To be sure that your insurance rate doesn’t spike it is highly recommended that you use your own finances to take care of the small damages.
Almost all retails stores and shopping malls have security surveillance in their parking lots. The best thing to do when following up on a hit-and-run disaster is to check in with security and see if there is footage of the vehicle hitting your car. The main goal of this is to be able to get the vehicle’s license plate number and to identify the driver who hit your car. Speak with a Michigan auto accident lawyer at Elia & Ponto today!
When the driver is known in a parking lot accident
After a collision involving two vehicles occur; you should immediately verify that nobody is harmed. However, if a person is injured during the accident you should contact emergency responders as quickly as possible.
After you’ve reached out to emergency, if needed, you should take photographs any of damage done to the vehicle. It also is important to exchange information with the other driver involved. Be sure to document the following:
- The time, date, and the exact location of the parking lot accident.
- The driver, any passengers, and witnesses involved main contact information such as name, address, phone number, and e-mail address.
- The other driver’s license and license plate numbers.
- The make and model of the other vehicle involved.
- Other driver’s insurer and company’s policy number.
Contact law enforcement and file a Michigan car accident report even if the accident is minor and no one is hurt. Doing so, your legal rights will be protected if something comes up in the future and it won’t be the other drivers’ word against yours. An example of this is a seemingly harmless injury like a sore back from the collision that worsen throughout time. However, there are a few law enforcement agencies that won’t respond to car accidents that took place on private property and when no one is injured.
Please note that a police report needs to be filed when a car accident in Michigan results in any physical harm and injury, fatalities, or vehicle damages worth more than $1,000. Speak with a Michigan Car Crash lawyer at Elia & Ponto if you have any questions about auto law in Michigan.
Insurance for a Michigan parking lot car Accident
As defined by the no-fault act you get Michigan no-fault benefits for injuries sustained in a parking lot car accident, but only if a motor vehicle was involved. If you claim for no-fault benefits it does not matter if the car accident took place in a parking lot or on a highway.
Keep in mind that under the ‘parked vehicle exception’ provision it states that the injured party may be entitled to no-fault benefits. This is only if a vehicle is parked incorrectly and creates high risk of hazard that results in potential injury. A car accident lawyer can help you with this as the exception can be delicate. Contact your local auto accident firm to determine if subjects of the matter apply.
Additionally, you may be able to file what is known as an auto negligence claim, a claim against the driver at fault for your car accident injury damages that aren’t covered by no-fault insurance. Uncompromising requirements must be met to file this auto negligence lawsuit.
For the damages to your vehicle, Michigan has what is referred to as the “mini-tort” law that allows drivers to be compensated up to $1,000 for vehicle damages once sued and the vehicle must be insured properly. Be sure to keep the Michigan accident report in your possession as it is important to deliver it when filing a claim under the mini-tort law.
Note that damages to an unsupervised parked vehicle is not covered by the “mini-tort” law and a file cannot be claimed. Some other conditions that must be met for the law to apply is that the other driver must have been at least 50% at fault. Also, if your insurance policy involves collision coverage and you don’t have to pay a deductible before costs are covered, then you cannot file a claim under the mini-tort law.
Keep in mind that the mini-tort law covers only vehicle damages. It does not cover any personal harm or injury that may have resulted from the accident
Suggestions to prevent a Michigan parking lot accident from happening:
- Drive cautiously in parking lots.
- Continuously scan your surroundings and watch for vehicles and pedestrians, especially small children who are harder to detect when cutting across parking lanes.
- Always use your turning signals when taking a parking space.
- Consider how much space you leave for other vehicle(s).
- Before backing out of a parking space, look around to see if you have a clear enough space. Do not rely on just your side mirrors and rear-view.
If you or a loved one was injured in a Michigan auto accident, a Michigan auto accident lawyer at Elia & Ponto can be a valuable resource. We have a Saginaw Auto accident lawyer, Detroit Auto Accident lawyer or even a Michigan car accident attorney that can help you understand how to file a Michigan auto accident claim. We are ready to help you now!
August 8, 2018
“Do I Really Need an Attorney?”
This question is frequently asked throughout the U.S. Getting a lawyer is the first thing many people consider when pursuing compensation for a car accident. People are usually concerned about the long, painful and expensive battle they might experience. They worry that their case will end up in an uncompromising struggle to get compensated for their accident. They rather take the insurance company’s offer and be done with it than deal with a legal battle. All potential client’s questions are valued and will be answered effectively. A Michigan auto accident lawyer can be very valuable to anyone involved in an auto accident in Michigan.
You should work with a car accident firm because it will only help you. The truth is, gaining these services can greatly improve your chances of a solid settlement. Read more to find out why it’s so crucial to call a car accident attorney right after any accident, and the problematic obstacles you may have to face without having one by your side.
DEALING WITH INSURANCE COMPANIES
Most insurance companies are intent on paying out as little as possible, this is a huge reason why you should call a car accident attorney. If you are harmed in an accident, you’ll need to provide a demand letter summarizing how much you wish to collect, and the insurance company will likely respond with the lowest offer or will simply refuse.
These insurance companies might try to intimidate you. They will sometimes claim that if you don’t accept the offer you’ll get nothing. They can deny you first hand and will claim that you’re not hurt as seriously as you declare, or that you’re not hurt at all. Without an attorney in your corner to prosecute these accusations, these insurance companies can potentially make you feel like the offender rather than the victim.
VALUING YOUR CLAIM
It can be difficult to determine the amount you should ask for after an accident. You cannot get continuous payments because these kinds of settlements are of the lump-sum variety. Therefore, you need to be capable of accurately estimating what your future damages will be as well as what you’ve already suffered. Speaking with a Michigan Car Crash lawyer can be on of the best decisions you or your loved one can make.
In addition to valuing your special damages like ongoing medical bills, lost wages, potential compensation, and other no-fault benefits, an attorney will be able to value for your emotional damages, pain and suffering, damages to the quality of your life and other subjective aspects of the injury you’ve encountered.
A car accident attorney can expedite your claim all while getting you a higher compensation. Most good attorneys won’t even charge you a fee for their services if they lose your case. Having an attorney work on your behalf can save you money. Going though with a case without an attorney in your corner will most likely result in more unnecessary charges.
All in all, to answer the standing question of whether you should get a Michigan car accident attorney in your corner for injury claims or not—yes, you should. You’re going to need the help of a well-qualified car accident lawyer to make sure you have the best chances of accumulating significant damages and that your interests are defended. Call a car accident law firm or visit them online and get a consultation regarding your case at no risk. If you or a loved one was injured in an Auto accident, speaking with a Detroit Auto accident lawyer or a Michigan Auto accident lawyer can be an excellent decision.
July 26, 2018
Pedestrian Deaths Increase in the Motor City
Pedestrian Deaths Increase in the Motor City. People love the longer days and shorter nights of summer. The warm weather allows people to relax and enjoy their day much easier. People often go out for a walk or a run. Normally, people stroll and jog outside in the streets in warmer and longer days without the hazard of early darkness and icy streets. Due to this, it is a reasonable assumption that there are more pedestrians during the warmer months of the year.
The number of people walking outside is increasing very rapidly according to a recent investigation by the USA Today Network/Detroit Free Press. They have investigated that pedestrian deaths increased nationwide by 46% since 2009. There were about 6000 pedestrian deaths in 2016 alone across the United States. Last year 1,945 were injured and 158 pedestrians died last year in the state of Michigan.
In the city of Detroit, there were 29 pedestrian deaths during 2016 which amounts to about 1/4 of Detroit’s 118 traffic fatalities that year. This was the highest death rate (34.5 per 100,000 residents) in the country for large cities between 2010 and 2016. Moreover, last year pedestrian deaths of 158 accounted for 6.5% of the total number of traffic fatalities. If you or your loved one was injured or killed due to a traffic accident in Michigan, the Michigan Car accident lawyers at Elia & Ponto can help you.
SUVs Cause More Pedestrian Deaths Than Other Vehicles
SUVs are a very popular choice for the drivers these days. The deaths of the pedestrians can be linked to the increasing number of SUVs on the road today. Due to their size, weight, and blind spots, they can be much deadlier for the pedestrians than other vehicles.
SUVs are heavier and larger as compared to other sedan-style automobiles. In addition to, they have heavy blunt-nosed front-end profiles. In auto accidents, their features can lead to unique crash events in which have a higher potency to lead to traumatic injuries regardless of vehicle speed. This clearly increases the chances of the death for a pedestrian with the impact of an SUV. A Michigan auto accident lawyer is a valuable resource for anyone involved in an accident.
Distracted Drivers and Pedestrians A Factor in Deaths
Drivers distracted by cell phones and other electronic devices are a growing problem. Texting while driving is one of our modern society’s growing deadly problems. Cell phone distractions among pedestrians is also a very large and growing problem across the United States as well as Michigan. Whenever a driver or a pedestrian is distracted, accidents can happen. Whether the driver or the pedestrian is not paying attention to the road, signs, crosswalks, intersection activities, etc. the chances of a tragedy increase significantly.
Safety Tips for Drivers
- Whenever you are driving on roads, stay alert all times, even while pedestrians are not walking in front of or near your vehicle.
- Be careful in or near bus stops, intersections, residential neighborhoods and near school zones.
- Always yield to pedestrians, even those who are not using the designated crosswalk or those who are walking against the traffic signal.
- Always be alert whenever you are turning, there is a chance that a pedestrian is crossing from the other direction.
Safety Tips for Joggers and Walkers
- Always use designated crosswalks
- Moreover, always obey the traffic signals.
- When you are crossing a street or intersection, stow your cell phone.
- Whenever you are walking at night in poor lit areas, Use reflective armbands and wear light-colored clothing.
- Always be alert whenever you are crossing at intersections, even if you have a “walk” signal. There is a chance that a car is making a turn.
- Never use headphones while you are walking on busy streets.
People go on walks or runs to get fit, relax, and to stay in shape. Both drivers and the pedestrians need to be careful in busy areas of intersections or crosswalks. Always be alert and pay attention to the road and avoid the use of cell while driving and walking. If you or a loved one was involved in an auto accident in Michigan, a Michigan auto accident lawyer at Elia and Ponto can be a valuable resource for you or your family. Even if you were injured in Detroit or another metro Detroit city a Detroit Auto Accident lawyer at Elia & Ponto can help you.
July 22, 2018
Texting While Driving is Dangerous & Deadly
Most people understand that texting while driving is dangerous & deadly, but still continue to do it. Ever since the dawn of the modern cell phone, a new form of distractions has come onto the horizon for drivers nationwide. Texting and driving has caused thousands of accidents and even fatal injuries nationwide for many years. In Michigan alone, 41% of young drivers reported that they regularly text and check their emails while driving. This statistic by itself presents a major problem when you consider the number of drivers that this 41% includes. This means that a large number of daily drivers are being distracted constantly by their cell phone. Distracted driving can cause major accidents or even fatal injuries. If you have been involved in a Michigan car accident due to a distracted driver, a Michigan Car Accident lawyer at Elia & Ponto can help you today. They can help guide you through the process of how to file a Michigan auto accident claim.
Our Michigan Auto Accident lawyers have already helped many victims of the distracted driving.
Technology: A Problem
We live in a fast paced society with lots of devices at our finger tips. Our attention while driving is usually divided among several cell phone activities such as music streaming, texting, phone calls, emails, and a GPS while driving. Understanding that in our modern society we have a dramatic need to feel connected. This makes disconnecting from our phones very difficult even for a short period of time. If you are involved in an accident due to a driver distracted by any of the previously listed activities, a Michigan Car Accident lawyer at Elia & Ponto will be able to help you.
So the next question, can the same phone that is distracting drivers be able to assist with alleviating distractions to reduce accidents?
Technology: The Solution
Texting while driving is banned in most States, but the fatalities due to distracted driving continue to rise. Many iOS and Android developers are working hard to develop solutions for consumers to use on their devices to help cut down on distracted driving.
A few iOS and Android applications that help with distracted are:
iOS & Android Apps against Distracted Driving
As one of the top-rated do not disturb while driving apps for iPhone, LifeSaver is able to deter distracted driving for families and fleets. For parents who worry about their children using their iPhones when driving the car, they can use this app to lock the device once the car is moving. For Corporate and fleet customers, LifeSaver will automatically lock at driving speed. The Fleet Portal also provides you with policy management and supports the administration of multiple groups within your company.
SafeDrive is a well-known app that disables texting while driving on iPhone. One interesting feature of SafeDrive is that it rewards you for not texting while driving. Once you exceed 6mph or 10km/h, this app will start awarding you points that can be used toward discounts at participating stores. When you press the release button, you will lose the points made in the trip.
AT&T DriveMode is a free safe driving app for iPhone and Android that allows you to silence incoming text message alerts and phone calls so you can stay focused while driving. This versatile app allows you to reply your friend’s message using hands free voice, controls your favorite music, searches the navigation quickly and recommends you a place to visit or a person to call. Now there are both iOS and Android versions available, you can download and have a try.
Cellcontrol is one of the apps stop distracted driving for those who want to keep safe when using the car. It stops texting, messaging, selfies, social media and more to make drivers always focus on the steering wheel and road. It also enables customized policy zones which gives drivers the freedom to change the police to their selections.
Just as the slogan says “Distracted driving kills, TextLimit saves lives”. TextLimit is one of the apps to fight distracted driving that deserves to be installed on every driver’s phones. It prevents predefined features on a phone from functioning when the phone is moving above a certain speed. Besides, users are allowed to set a specific speed, once the car moving exceeds that speed, an alert notification will be sent.
Legislators across many States are taking action against distracted driving. Some of states are lobbying for Textalyzers. Textalyzer is a roadside test that allows the officers to tap into the driver’s phone and scan the recent activity of the phone such as sending a text, an email, and any other violations. If a driver fails the test then the consequences would be the same for those who drinking and driving.
Technology-Free Travel Tips for 2018
If you are hitting the road at any time of the year. Please! Try to consider the following AAA-tips to prevent distracted driving to avoid the unnecessary accidents and even deaths.
- Ask for Help: Always get the assistance of your passenger while driving for the tasks like placing a call, texting or re-programming your GPS.
- Silence your cell phone: Temporarily disable notifications of your phone for texting and calling.
- Concentrate on your commute: Try to concentrate on your commute and tell your friends & family to refrain from contacting during that time.
- Place your phone in the glove compartment: Pull over to check your messages or wait until after you have reached your destination.
- Download a safety app: There are many apps available that are free of charge and can help discourage you while driving such as Sprint’s Drive Fast, AT&T DriveMode, and Verizon’s Safely Co.
- Switch your phone into “airplane mode”: Try to put your phone on airplane mode to avoid the unnecessary distraction while driving.
If you were injured or involved in an accident caused by a distracted driver, a Michigan Auto Accident lawyer at Elia & Ponto can help you. We have a experienced team of Michigan Car Accident lawyers who are willing to fight for you. Even if your accident occurred in Detroit, we have a Detroit auto accident lawyer ready to help you now. Do not hesitate to contact a Michigan car accident lawyer at Elia & Ponto today!