Search Results for: blog no fault auto insurance the basics

“Alighting” is Not the Same as “Exiting” in Michigan

A woman in Michigan falls while putting items into her car, and becomes injured. Michigan has no-fault auto insurance, so the woman was paid for her injuries. Her insurer appealed that case. The Michigan Supreme Court has decided that she shouldn’t have been paid for her injuries after all, due to the way the judges understand the definitions of specific words in the policy. It started with a fall. Mona Lisa Frazier was in the parking lot of her condominium, and on her way to work. Before leaving, she put some items into her truck. She slipped while closing the … Continue reading →

Florida County Cracks Down on Auto Insurance Fraud

Hillsborough County, in Florida, has passed regulations that crack down on auto insurance fraud, and the fraudulent medical clinics that enable it. The county is tired of waiting for the State of Florida to fix the problems with the no-fault auto insurance that leads to insurance fraud. Florida is one of the states that has no-fault auto insurance. It is a personal, (or individual) auto insurance policy that, in many ways, functions like a typical auto insurance policy. It does have some significant differences, however. Let’s say that two people get into a “fender bender” in a state that does … Continue reading →

Does Your Car Insurance Cover Your Pet?

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The family dog is, without a doubt, a very important member of your family. Some people refer to their dogs as their “fur babies”, or “four footed children”. There are a lot of people who take their dogs with them when they drive. What if an accident happens? Will your car insurance cover the injuries that happened to your dog? You might have pet insurance that covers your dog. You can think of pet insurance as the pet version of the health insurance policy that you have for yourself, and the other human members of your family. A typical pet … Continue reading →

Insurance Terms: N

A | B | C | D | E | F | G | H | I | J-K | L | M | N | O | P | Q-R | S | T | U-V | W-Z Named Insured is the person, business, firm, or corporation, or any member thereof, specifically named as an insured(s) on an insurance policy. This is different from any other person who, maybe unnamed, but still protected under certain circumstances. Named Peril is a Peril specifically listed as covered peril in an insurance policy. National Association of Insurance Commissioners, (NAIC) is a national … Continue reading →

Insurance Terms: M

A | B | C | D | E | F | G | H | I | J-K | L | M | N | O | P | Q-R | S | T | U-V | W-Z Managed Care is a comprehensive health care arrangement between an employer and/or an insurance company. Selected medical and health providers agree to offer care for a discounted rate to the membership of the plan. Managed care systems use the established medical protocols and procedures generally agreed by the medical community as cost effective. Marine Insurance is insurance coverage on goods while … Continue reading →

Insurance Blog Week In Review January 30-February 5, 2007

Insurance Term Of The Week: Personal Injury Protection, PIP It has been an interesting and educational few weeks for this Insurance Blog writer! There is nothing better than real-life experience to teach a person a thing or two! Dealing with our Employer Provided Group Health Insurance company has been a real eye-opener for me. Tuesday, January 30 Primary and Secondary Health Insurance Coverage, Because our youngest children are biological special needs siblings, adopted from foster care they have State Medical benefits as well as coverage under our employer provided group health. We also had, primary and secondary health insurance for … Continue reading →

Ask Anna: Pennsylvania Auto Accident and Injury Claim

Question: Left as a comment on the Ask Anna Blog. Dear Anna, Perhaps you my know, or can direct me to where I can find out, but…..,we live in Pennsylvania with no-fault auto/motorcycle insurance laws and were involved in a motorcycle/automobile accident where the other driver was at fault. Because we assumed that we could sue for pain and suffering and damages under the full tort option we paid for, we felt secure. As it turns out in Pennsylvania, per our attorney, we are being told that we “cannot” sue because: 1) It would cost us way more than we … Continue reading →

Insurance Blog Week In Review January 9-15, 2007

It’s been a busy week for so many people in the United States. The weather has been a huge problem with snow, ice and unusually cold temperatures. Get ready to pay a lot more for Oranges and Avocado’s after the deep freeze in Southern California. Many homeowners have suffered the Midnight Disaster, including my little brother. Caught completely off guard with freezing temperatures and a ruptured pipe in the attic. Thankfully, he was able to Ask Anna (or sissy) for help in this matter! When my brother woke up to find boxes falling out of his attic and water flooding … Continue reading →

No-Fault Auto Insurance: Pros and Cons

In a pure no-fault auto insurance system the insurance company pays for the economic damages, up to the policy limit, of the insured. Pure no-fault systems will not allow any kind of law suite against the negligent driver for “non-economic” damages including pain and suffering, loss of companionship. Right now there are no states that use a pure no-fault system. All of the no-fault auto insurance states are actually using a modified no-fault system. Insurance companies pay the economic damages up to the policy limit, but there are still opportunities to sue for non-economic damages when the damages exceed the … Continue reading →

No-Fault Auto Insurance: The Basics

In the majority of states, personal auto insurance operates under the standard fault-based system. Auto insurance pays claims based on each driver’s percentage of fault for each motor vehicle accident. Adjusters decide which driver holds the greatest degree of fault and claims are paid based on the percentage of fault each driver may share for the accident loss. This system can lead to long and expensive court battles with judges deciding which driver is at fault in many auto accident claims. An effort to eliminate these costly court cases has lead to many states creating an alternative and using a … Continue reading →