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Fall Changes Approach to Michigan PIP Surveillance

Posts Tagged ‘ michigan PIP ’

Fall Changes Approach to Michigan PIP Surveillance

Monday, October 12th, 2015

Each season seems to have its own unique attributes that call for changes in how a professional insurance defense private investigator has to approach Michigan PIP surveillance. Fall brings the end to vacations for most, the return to school (which greatly impacts those claimants with children), far less sun in the sky and new outdoor activities to replace those from summer. Attending fall sporting events is popular, leaves and gutters need to be cleaned up, many make weekend pilgrimages to the apple orchard, pumpkin patch or cider mill, patio furniture gets put away and family gatherings scale back until Thanksgiving.

These changes in the behaviors of all of us are not lost on casualty claimants who are under Michigan PIP surveillance. They too need to clean up the yard, go to fall events, take kids to school, games and the like, all in observable from public domain, and much of this must now be done in less time given the early sun set. This means that surveillance investigations too must undergo modifications. Exceptional quality insurance defense private investigators can identify and counter many of these changes through expert pre-surveillance case workups that identify the specifics of the claimant’s household, obligations and available support systems, They will know when the kids walk to school on their own, if teenagers have their own car, when and where sports we will held and more.

Halloween is also an opportunity the conduct intelligent Michigan PIP surveillance that can lead to exception footage of a claimant’s true abilities.

For more information on how Sherlock Investigations can help you to obtain consistently better Michigan PIP surveillance results, contact us today.

Redlining Accusations Don’t Reduce Real Michigan PIP Fraud Ongoing Daily in Detroit

Thursday, April 24th, 2014

Although it is clearly a great term to use to get people excited about the possibility of some type of discriminatory insurance practices aimed at hurting residents of Detroit, the stark reality is that Detroit is hotbed of Michigan PIP Fraud, particularly in the areas of fraudulent auto no-fault casualty claims as well as auto theft claims. Insurance carriers don’t care about who buys policies from them. The competition is fierce in the Michigan PIP market place. If you think about it, a ridiculous number of the TV commercials and billboards in Metro-Detroit advertise auto insurance. Even more ridiculous is that greater number of  ”Michigan Auto Accident” attorneys looking to help people sue insurance carriers for auto no-fault casualty loses. When one looks at the number of: fraudulent Michigan PIP claims and stolen vehicles in Detroit and combine that with a law enforcement environment that is grossly overburdened and incapable of fighting fraud or theft, the insurance carriers have no choice but to charge more. A whole bunch more.

Michigan PIP Claims Likely To Increase

Thursday, April 3rd, 2014

Each year the Michigan State Police updates the prior years auto accident statistics and publish them here. The data includes the number of crashes, number of injuries and fatalities along with other information. The 2013 update should be out soon and as an overall statistical trend, Michigan auto accidents have been decreasing. This is believed to be due to a combination of decreased drunk driving and to a lesser degree improvements in auto safety. Despite the decrease in Michigan PIP claims, the number of PIP claim law suits, and the need for corresponding Michigan PIP claims investigations has increased. With the record setting cold and snow this winter, and a plethora of accidents, the 2014 number should be very interesting.

Cat Claims Fund Charges Up 21% For Large Michigan PIP Claims

Monday, December 17th, 2012

The premium paid to the Michigan Catastrophic Claims Association (“MCCA”) by
member insurance companies will be $175.00 per insured vehicle effective July 1, 2012 to
June 30, 2013. This represents an increase of $30.00 (21%) over the current MCCA charge of
$145.00. The $175.00 assessment represents $141.93 to cover claims; $32.72 to address the
$2 billion estimated deficit and $.35 for administrative expenses. The current deficit is estimated
at $310.78 per insured car. The MCCA premium charge is determined each year at this time
following its annual actuarial evaluation.
Michigan PIP auto insurance law provides unlimited lifetime coverage for medical
expenses resulting from auto accidents and is the only state in the nation that mandates these
unlimited benefits. (The state with the next highest level of benefits mandates only $50,000).
Created by the state legislature in 1978, the MCCA is a private, non-profit association whose
mission is to protect the financial integrity of Michigan’s auto insurance industry by providing
reinsurance for these unlimited benefits. The MCCA reimburses auto insurance companies for
Personal Injury Protection (PIP) benefits paid in excess of $500,000 per claim.

All auto insurance companies operating in Michigan are required to be members and pay
premiums for the reinsurance provided by the MCCA. These premiums, together with the
insurer’s PIP premium, represent the cost to cover the mandatory unlimited medical benefits
which, like other costs and expenses, are reflected in the auto premiums all Michigan
policyholders pay.
Each year more individuals receive benefits resulting from catastrophic automobile accidents
and their claim costs are rising. Estimating the ultimate costs of these benefits requires
sophisticated analysis but the trend of increasing costs is a key driver of changes to the MCCA
assessment.

The MCCA paid out $927 million (more than $133 per insured car) in 2011 for claim costs
resulting from catastrophic injuries. The majority of these catastrophic injuries involve closedhead injuries, paraplegia, quadriplegia and burns. Since 1979, there have been over 28,000
claims reported to the MCCA, which will cost an estimated $85 billion.

Additional information on the MCCA, including claim payment statistics, audit reports and
answers to frequently asked questions can be obtained from its public website:
www.michigancatastrophic.com