In the state of Michigan, the integrity of the auto insurance system relies heavily on the principle of "utmost good faith." When applying for Personal …
Consequences of Incomplete Health History for Michigan Catastrophic Claims
The landscape of Michigan’s auto insurance changed dramatically following the 2019 legislative reforms. One of the most critical aspects of these changes involves how Personal …
Michigan DIFS Guidelines on Verifying Medical History for Auto Coverage
The Michigan Department of Insurance and Financial Services (DIFS) plays a critical role in regulating how auto insurers evaluate risk and process claims. Following the …
Impact of Non-Disclosure on Michigan Coordination of Benefits Disputes
In the complex landscape of Michigan insurance law, the accuracy of information provided during the application process is paramount. When an applicant fails to disclose …
Michigan Case Law: Fraudulent Procurement of No-Fault Insurance Benefits
In Michigan’s complex legal landscape, the term fraudulent procurement has become a central focus for insurers and policyholders alike. This legal concept refers to situations …
How Michigan New No-Fault Limits Affect Health History Requirements
The landscape of Michigan auto insurance underwent a seismic shift with the passage of the 2019 No-Fault Reform. This legislation moved the state away from …
Risks of Hiding Prior Back or Neck Injuries in Michigan PIP Applications
The landscape of Michigan auto insurance underwent a seismic shift with the 2019 legislative overhauls. For policyholders, one of the most dangerous pitfalls in this …
Interplay Between Michigan Auto PIP and Health Insurance Non-Disclosure
The interaction between Michigan’s Personal Injury Protection (PIP) benefits and health insurance disclosure rules has become a critical compliance issue after no-fault reform. Non-disclosure of …
Michigan No-Fault Reform: Why PIP Medical History Disclosure Matters Now
The 2019–2020 Michigan no-fault reform and subsequent regulatory changes shifted Personal Injury Protection (PIP) dynamics toward greater scrutiny of medical histories. Insurers now rely more …
How NC Residents Can Avoid Rescissions in Non-ACA Health Markets
Short-term and limited-duration health plans (non-ACA plans) are widely marketed to North Carolina residents as lower-cost alternatives. While they can lower premiums, they carry significant …