Gaylord, Michigan's Alpine Village, sheds its Golf Mecca title of summer and becomes a mecca for snowmobiles in the winter. Each year, Gaylord has snowcross and ice drags. The ice drags are near the airport and attract sled from all over the Midwest.
http://www.youtube.com/watch?v=s3cZtsRkGt0&hl=en
Showing posts with label Michigan. Show all posts
Showing posts with label Michigan. Show all posts
Snowmobile Drag Races In Gaylord - Michigan Travel Television Saturday, February 5, 2011
Helmet Law Stays in Michigan Friday, January 14, 2011
Many states have, over the years, repealed the helmet requirement law because many bikers and ATV riders argued that they, adults, should be given the choice to choose between whether to wear one or not. "With due respect, I know that helmets can save lives but with this law, it's seriously making us feel like children on tricycles. It's not that I have anything against wearing helmets when I am on my ATV or anything...but it's a matter of whether I am given the choice or not", says Frank Butcher regarding this matter.
Wisconsin have repealed their law about helmet requirement some time back and now it seems that bikers and policitians in Michigan are at each other's neck trying to get the law repealed too. In June 2006, State Governor Jennifer Granholm refused to allow a bill to be passed - the bill sought to have the helmet-wearing law repealed. Despite warnings of putting her career and position as a politician in danger, she stood her ground.
"On this issue, the evidence is clear, motorcycle helmets save lives and reduce serious injury," Granholm said when she vetoed against the bill being passed. It seems that the Governor is going to stand her ground despite jeopardizing her career as a Governor in Michigan.
Granholm's argument's got meat while bikers think that even when and if the bill is passed, many bikers may still continue to use the helmet whenever riding the ATV. This is their personal choice. And as with the other 30 states that has repealed their law regarding this matter, bikers felt that it was unfair to impose something like this on them because they should be allowed to make a choice between wearing a helmet or not.
On another note, it seems that bikers agree that children and youth riders SHOULD continue to wear the helmet. The law can require children and youth ATV riders below the age of 21 to wear the helmet. As far as adult bikers and ATV riders are concerned, there is a general sentiment that they should be given the chance to choose.
Marsha Maung is an ATV enthusiast enthusiastically promoting ATV riding as a sport and family activity! She runs and is one of the staff for one of the hottest and fastest-growing ATV sites right now...http://www.atv4kids.com.
Boyne City Michigan Real Estate is Truly a Buyers Market! Saturday, January 8, 2011
Boyne City has always been a popular year round vacation destination in northern Michigan. Located on beautiful Lake Charlevoix, Boyne City is the perfect setting for golf, boating, water and snow skiing, and all of the other popular summer and winter activities. With something for everybody it is no wonder that each year more and more people are attracted to beauty and charm that make Boyne City the perfect place in Northern Michigan to call home.
Even with the current condition of the real estate market, Boyne City real estate is still highly sought after by those looking for the perfect vacation home and first time homebuyers alike! With property prices slightly relaxed in the wake of mortgage and finance rates, buying a home in Boyne City is now truly a buyers market!
The first time homebuyer has more leverage in finding and purchasing their dream home than ever before because home sellers now must be more flexible in the negotiation process or they could face losing the current level of equity of their real estate should the market continue to slow down. Additionally first time homebuyers should consider getting pre approved for a home loan before looking at properties. HUD offers counseling for first time homebuyers and their website has many helpful and informative articles to guide the first time homebuyer in the buying process. Knowing the facts about buying a home, how to choose a real estate agent and what to expect when applying for a home loan can save you time, heartache, frustration, and confusion, and most importantly money!
When it comes to the local Northern Michigan real estate market Pat O'Brien & Associates have been the leaders in buying and selling Boyne City area real estate for quite some time. With an emphasis in customer service, satisfaction, and attention to details homebuyers are pleasantly surprised by the relaxed, no pressure approach that Pat O'Brien & Associates take when working with their clients. With 8 full time realtor's on staff and the largest selection of listed waterfront properties, residential homes, land and commercial real estate in the Boyne area, finding your dream home could never be easier! Pat O'Brien & Associates specialize in Boyne City, Charlevoix, East Jordan, Ellsworth, and the surrounding area.
Rob Fleming is a freelance writer Specializing in Articles Marketing, SEO tips and tricks, and Online Business Promotion whose articles appear on many popular blogs and websites..i encourage you to visit his blog at RlFleming.com
Michigan Vacation Spot - Historic White Pine Village Thursday, December 30, 2010
The Lake Michigan shoreline is only a short distance from Historic White pine Village, which lies a few miles South of Ludington on Lower Michigan's Western coast. The "village" is a collection of twenty-five historic buildings and sites that are open to the public for self-guided tours. Combined, these buildings contain thousands of artifacts from days-gone-by, including signs, tools, musical instruments, furnishings and other items. The village also maintains the records for the County Historical Society and will research those records for specific information upon request.
Like all good villages, this one has a Chapel, and it features an organ built in the 1860s. The Chapel is available for rental for private weddings, baptisms and memorial services. There is a one room school (built in 1895) that can still be reserved for classes and otherwise is available for tours; and a town hall (1879) that houses an old fashion ice cream parlour.
The Rose Hawley Museum contains many artifacts including music instruments, tools, housewares, toys and an 1800 vintage camera. Nearby is the first county courthouse which was built in 1849 and moved in the late 1900s to White Pine Village. This was the first frame building in the county and it was constructed from lumber found washed up on the lake shore. Michigan supplied a lot of lumber to the Chicago area in the 1800s, most of which was delivered across Lake Michigan. A number of shipwrecks occurred and there was also the normal loss of a small amount of cargo. This salvaged lumber is what the courthouse was constructed of.
A short stroll away, the Abe Nelson Lumbering museum contains a collection of lumbering tools and memorabilia from the last century. The museum building is in the style of the great lumbering camps that once dotted Michigan's forests and helped rebuild Chicago after the great fire.
The Burns Farmhouse is an original farmhouse from the 1880s complete with furnishings. The Jorissen Barn has been relocated nearby and is an authentic barn from the early part of the century that was built using only wooden pegs to secure the main beams. The farmstead setting also houses the cooper shop and a learning skills center.
Wm E. Anderson's Hardware Store is an exact replica of a turn-of-the-century hardware that operated in Ludington for many years. The store and the inventory on the shelves has been recreated from photographs of the original store.
There is so much more to see than can be described in a short article. A visit to Historic White Pine Village will be a fond memory. This stop probably would not be as much fun for very small children as a trip to the beach--which is only a few miles away--but adults and older children should find a lot to enjoy and learn about.
Billy Oatey grew up in Northern Lower Michigan and has enjoyed hiking and fishing in many places within the State. In his travels around Michigan, he often carries mugs of coffee or bottled water and has seen first hand how disposable plastic bottles are ruining the wild parts of our world. He now sells stainless steel water bottles and travel mugs at his blog http://stainlesssteeltravelmug.org.
The average person can find it difficult to do anything for the ecology, but using recyclable and reusable bottles and cups is something everyone can do easily.
Tribute to the State of Michigan
I have been *really* bored lately and I wanted to do a sort of video presentation for Michigan, the state I live in. It may have a crappy economy right now, but I sure love living here. Hope you enjoy it! :-D Please take a look at my other vids! :-) www.youtube.com Music: Song #1: Looking Glass by Sleepy Rebels Song #2: Kaleidoscope by Sleepy Rebels **UPDATE** WOW over 1000 views! Haha this is so exciting... I never thought the views would get over 500 but... wow!! :-)
http://www.youtube.com/watch?v=1psrRkr7zRc&hl=en
Michigan Child Custody Law Explored Wednesday, December 29, 2010
Couples in Michigan that are getting divorced will be most interested in Michigan child custody law. This whole process will be tough on both parents. Your financial future and emotional well being will be tested throughout this ordeal. It will be even tougher when children are involved.
In Michigan, once a divorce is applied for, there is a 180 day waiting period. In this time frame, the court may issue a child custody order, which will cover visitation rights.
In the State of Michigan, the court must take into account the "best interest" factors which are part of Michigan law. Some of these are schooling, the mental and physical health or each parent, preferences of the child within reason just to name a few.
As with other states, Michigan child custody law has different directions that can be taken. There is physical custody. This is where the child actually lives. To be considered under the Michigan child custody law the child or children and parents or parent have to live in Michigan. Legal custody in Michigan child custody laws gives the parent who has legal custody the right to make decisions about school, religion and many other factors of your kids life.
There is joint custody where each parent is responsible for the decisions in the children's lives. Each parent is responsible for the support of the child. This is determined by the financial means of both parents. Be aware the joint custody does not do away with the mother or fathers responsibility of child support. Child support is determined by the courts.
The usual circumstances are that the parent that has physical custody will get child support payments from the other parent. This can be off set if you have physical custody of the child and owe alimony. You will just get less or not have to pay anything for child support if is equal to the alimony you are going to get. If you are getting 500.00 in child support but owe 500.00 in alimony. These will offset and no money will change hands.
You must also be aware that child support and/or alimony can be withheld from your pay. It can also be deducted from you income tax refunds. This is probably the best way to handle this as the court will have a record of how much you have paid and are continuing to pay.
In Michigan child custody law the two parents can also enter into a shared agreement. This would be the preferred way to go. The key here is that both parents can put their differences aside and work together for the welfare of their child or children. Mom and Dad share custody. One of the parents may have the child for the work week. The other in the summer. They may split weekends and holidays.
There is a Sole custody agreement too. In this type the parents usually have a reason for doing this. One parent may work shift work and not be able to provide supervision for the child. No matter what the reason, The best interest of the kids need to be kept in mind.
W. Rex has been writing articles for a while. To see his new website over at http://www.Bestportablegenerators.org/ which helps people find the best portable generators to use when they need power.
FAQ's About Motorcycle Accidents and Answers from Michigan Motorcycle Accident Lawyers Thursday, December 16, 2010
Question: At the time of my Michigan motorcycle accident, I did not have insurance on my motorcycle. Can I still sue the driver who hit me?
Answer: Yes. Michigan law treats motorcyclists differently than individuals driving their own cars without insurance. Thus, an injured motorcyclist, who did not have insurance on his or her bike, may bring a lawsuit against the careless driver who caused the Michigan motorcycle accident.
Question: What is Uninsured Motorist Coverage?
Answer: Uninsured Motorist Coverage is an insurance coverage option that may allow you to recover damages from your own insurance policy, when an at-fault driver did not have insurance or cannot be identified (i.e. hit and run driver). It is a wise idea to carry uninsured coverage, to protect yourself in case you are in this situation when you are in a Michigan motorcycle accident.
Question: Is there a difference between uninsured motorist coverage and underinsured motorist coverage?
Answer: Yes. Underinsured coverage provides an additional means of collecting damages, if you are seriously injured in an accident. It is different than uninsured coverage, which is available when there was no identifiable insurance on an at-fault vehicle. For example, if you carried a policy of $100,000 underinsured coverage and the at-fault driver had a $20,000 liability insurance policy, you could seek up to $80,000 in additional damages from your own insurance company. This applies only after your attorney secures a tender offer of the underlying policy of insurance. As you can see, these claims are complicated and must be handled carefully.
An uninsured endorsement on a policy does not necessarily include an underinsured endorsement. Premature acceptance of an underlying policy in full settlement of your Michigan motorcycle accident claim could deprive you of the right to collect uninsured coverage.
Question: The driver who caused the Michigan motorcycle accident did not have insurance. I did not carry uninsured motorist coverage on my motorcycle, but have it in my motorcycle insurance policy. Can I make a claim for damages I suffered in the Michigan motorcycle accident through my motorcycle insurance?
Answer: Maybe. Your eligibility for uninsured coverage may depend on the specific wording of your Michigan motorcycle insurance policy. You should contact a Michigan motorcycle accident lawyer for help determining what your insurance policy covers.
If you or a loved one was seriously injured in a Michigan motorcycle accident, talk with an experienced Michigan motorcycle accident lawyer.
Attorney Marya Sieminski joined the Law Offices of Sam Bernstein in 2003. She is admitted to practice law in Michigan state courts and in the U.S. District Court for the Eastern District of Michigan. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. She also was appointed by the Governor to serve on the State of Michigan Workers Compensation Qualifications Advisory Committee.
The Law Offices of Samuel I. Bernstein, our Michigan motorcycle accident and personal injury law firm, has championed the cause of seriously injured Michigan auto accident victims for three generations.
Michigan Personal Injury Claims Tuesday, December 14, 2010
If you have suffered a personal injury due to someone else's fault or negligence, then you should certainly consider the possibility of making a claim under law against the negligent person for all your injuries and sufferings. A claim is a demand for the compensation of all your physical and mental injuries suffered due to someone else's carelessness or negligence. The person responsible for your suffering is liable to compensate you not only for the injuries caused or damages incurred, but also for your medical expenses, for the time lost at work due to the injury, etc.
If you have suffered a personal injury in Michigan, and if you are planning to file a claim for your damages, then as per the state law, you have only three years to file the lawsuit claiming for compensation. If your lawyer is not able to reach an agreement with any involved insurance company, then filing a lawsuit for a claim before the three-year statue of limitations runs out is the best option. The statue of limitations starts running from the day the claim accrues--that is the time when the injury is suffered. Sometimes, it is not reasonably possible to know the cause of the injury or even to know that the injury has occurred until the damage or loss is revealed at some point of time. For example, an error in a will cannot be noticed until the will is executed in its given time period. In such circumstances, the discovery rule of Michigan permits a suit to be filed within a certain limited period of time after the injury is discovered or reasonably should have been discovered.
When filing a personal injury claim, it has to be ensured that the damages claimed truly reflect the extent of the injury or loss. Personal injury claims can be very contentious; as such, it is important to find an experienced personal injury attorney to help you navigate this legal process.
Michigan Personal Injury Lawyers provides detailed information about Michigan personal injury lawyers, Michigan personal injury lawsuit funding, Michigan personal injury law firms, Michigan personal injury laws and more. Michigan Personal Injury Lawyers is the sister site of Florida Personal Injury Lawyers Info.
Michigan Automobile No-Fault Law - A Primer Saturday, November 13, 2010
Michigan automobile law is a very complex system that few people truly understand. This article gives a brief description of the Michigan no-fault system. If you or a loved one is involved in a car, truck or motorcycle accident, it is important you call a Michigan car accident lawyer for a more detailed description of your rights and benefits.
The central tenant of the Michigan no-fault law is the actual "no-fault" provision found in the law. In almost all situations, a person is entitled to no-fault benefits, even if they caused the accident, so long as the person was involved in a motor vehicle accident.
These no-fault benefits are sometimes called first-party benefits or PIP (personal injury protection) benefits.
At the outset, Michigan auto law is really divided into two separate categories, first-party litigation and third-party litigation. First-party litigation is a claim against an insurance company for no-fault benefits. No-fault benefits pertain to economic damages, such as lost wages and medical bills. A third-party claim is a claim against an at-fault motorist for pain and suffering damages only.
FIRST-PARTY CLAIM:
It is important to understand that just because you do not personally have automobile insurance coverage does not mean you are not entitled to first-party benefits. Passengers, pedestrians, bicyclists, and drivers are examples of people entitled to no-fault first-party benefits. Even without auto insurance, in almost all situations you are still entitled to PIP benefits, as long as a motor vehicle is involved.
The no-fault benefits accident victims are entitled to are extensive. They include, but are not limited to, reimbursement for medical expenses such as doctor and hospital visits, lost wages, household replacement services, attendant (nursing) care, survivor's loss benefits and reimbursement for travel expenses related to medical care.
When opening a first-party claim for no-fault benefits, one must first determine which insurance company is responsible for the payment of these no-fault payment. This is called the order of priority. The order changes, depending on if the person is injured while an occupant of a motor vehicle or a non-occupant - such as a pedestrian or bicyclist. Either way, the first place to start is the injured person's own insurance. If that person carries auto insurance, that auto insurance company is responsible for no-fault payments. The search ends there.
However, if that person doesn't have auto insurance, one next looks to the accident victim's spouse or a resident relative who is domiciled with the accident victim and see who their insurance is with. If auto insurance exists at this level, that insurer is responsible for the payment of no-fault benefits. If no insurance exists at this level, the search continues. Ultimately, all persons who sustain an injury in a motor vehicle accident are protected by the no-fault act, even if this requires the State of Michigan to assign an auto insurer to the accident victim to cover the applicable no-fault benefits.
There is one lone exception to this rule. A claimant who has not purchased insurance for his or her owned vehicle involved in an accident is disqualified from receiving no-fault benefits, because under the law, each vehicle owner must insurer his or her vehicle.
To receive first-party benefits, an accident victim must first complete an Application for No-Fault Benefits. This application must be completed and returned to the automobile insurance company handling the first-party claim within 12 months of the date of the accident. This deadline is compulsory and an accident victim will not be entitled to receive no-fault benefits if the application deadline is not met.
THIRD-PARTY CLAIM:
Under Michigan law, a third-party claim is the typical negligence claim in which an accident victim seeks money damages because of the negligence, or fault, of another vehicle operator or owner. Although auto accidents happen for any number of reasons, typically they involve a driver who was not paying proper attention or was not using due care in operating the vehicle.
In a third-party negligence claim, the plaintiff may sue for pain and suffering damages as long as he or she meets the statutory threshold of death, permanent serious disfigurement, or serious impairment of body function.
The most common and litigated threshold requirement is the serious impairment of body function. This term has undergone numerous legal changes over the years, but essentially the phrase means that a plaintiff must show an objectively manifested impairment of an important body function that affects the plaintiff's ability to lead his or her normal life. An objective manifested impairment requires the plaintiff to show medical proof there is a physical basis for subjective complaints of pain and suffering. As a result, it is difficult to obtain pain and suffering damages for soft tissue injuries.
In addition to pain and suffering, negligent defendants are responsible to accident victims for excess economic loss, regardless of whether or not the accident victim meets the statutory threshold. Thus, even if a plaintiff does not have a serious impairment of a body function, he or she can still recover loss wages and replacement services that exceed the statutory maximum amount available in a first-party no fault claim, or lost wages and replacement services that last beyond the 3 years paid by the PIP no-fault insurance company.
This article is a brief summary of the Michigan no-fault act. If you or a loved one is injured in a motor vehicle accident, please contact an attorney so he or she can advise you on what benefits you may be entitled to.
Michigan CD Rates Monday, October 18, 2010
The great state of Michigan has an interesting slogan, "Water Wonderland." It is recognizable as the state that looks like a mitten or an elephant seal calling to its mate. Sorry, it just depends on your perspective. So do their CD Rates give one an impression of being in a wonderland? Let's check it and see.
We will start with one of the biggest and oldest banks in Michigan. Citizens Bank was established in 1871. Their FDIC# is 986. They are about $11.3BB in assets and employ close to 2000 people. They have a 3-star rating from Bauer. They have a 17-month special at 1.40% or 5-year CD at 3.00%. Those are certainly in line with what can be found in other states.
Isabella Bank is medium size. They were started in 1901; just a few years before Ford introduced the first Model T. Anyway they are about $800MM in size. Their FDIC# is 1005 and they have a four-star rating from Bauer. They don't have rates posted on-line but can you Google them and call easily enough.
Mercantile Bank of Michigan is another one of the larger banks in Michigan. They have about $1.9BB in assets. We actually have worked with this bank for a number of years and have always found them to be helpful and easy to work with. I wish their rates were higher. Bauer currently gives them 2-stars. They don't have rates posted on-line, but the 1-year we are aware of is at 0.60% APY. The 5-year is semi-competitive at 2.75%.
I also wanted to bring you a few credit unions. Advantage Federal Credit Union is based in Brownstown in Mighigan. The short-term CD rates are on the low side. The 1-year is at 0.75% and the 2-year is at 1.15%. The 5-year is up there with other offerings at 3.00% APY. Their NCUA# is 7603. They have a 4-star rating from Bauer.
Credit Union One is based in Ferndale. Their NCUA# is 62562. Their CD Rates are also on the low end. I was really hoping the credit unions would show the banks up. They have a 3-star rating from Bauer. The 1-year CD rate is 1.20% for the top tier ($100,000 and above). The 2Y is 1.70%. The 3-year is 2.15% and the 5-year is 2.90%. Remember with credit unions that you usually have live, work, or worship within their membership area.
Finally a disclaimer. While we do our best to provide accurate information please verify the federal insurance, rates, and ratings with any institution you want to make deposits with.
Chris Duncan is a FINRA Registered Representative. He works for Jumbo CD Investments, Inc., a leading CD research and placement firm. He specializes in helping clients find the highest CD rates nationwide. His clients include individuals, financial institutions, corporations, and public agencies. Visit us for the Best CD Rates
Debt Consolidation Companies In Michigan Wednesday, October 6, 2010
Debt consolidation companies attempt to get the credit history of a person back on track. Many borrowers find themselves with poor credit rating after accumulating a lot of debts. Debt consolidation is also used as an alternative to declaring bankruptcy. In the state of Michigan, bankruptcy laws are very severe, therefore, debt consolidation is always a better option. To find debt consolidation companies in Michigan is quite easy, as there is at least one such company in every state.
Before choosing debt consolidation companies in Michigan, debtors should look into the company's credibility and past performance, to know their method of dealing with the issue. Debtors must be aware that any negative reports on a person's credit history are removed from the credit report after a period of seven years. This allows a person to correct the mistakes he or she has made, and improve their credit rating now. However, a bankruptcy report stays on the credit history for ten years. This is done to deal more severely with people who mismanage their funds to such an extent that they go bankrupt. However, many such debtors have made efforts to deal with debts by choosing debt consolidation companies. This is even more important in Michigan as the state government does not take defaults or bankruptcy lightly.
Debt consolidation can also be searched for online. Most of them accept debt consolidation applications through their websites, making the whole process easy and convenient. Debt consolidation companies help reduce high payments and can even negotiate with the creditors to lower interest rates. To ensure that too much of debt is not accumulated, debtors are not allowed to apply for or use any more credit while they are working with debt consolidation companies. Debt consolidation goes a long way towards ensuring better credit ratings, which further allows debtors to get better rates than what are regularly offered.
Debt Consolidation Companies provides detailed information on Debt Consolidation Companies, Best Debt Consolidation Companies, Free Debt Consolidation Companies, Non Profit Debt Consolidation Companies and more. Debt Consolidation Companies is affiliated with Free Consolidation Debt Help.
Personal Injury Law at Michigan Thursday, September 23, 2010
PERSONAL INJURY
The term 'personal injury' is described as any harm caused to a person, such as a broken bone, a cut, a bruise , truck or auto accident, a broken ankle from slipping on a side walk, to spastic paralysis caused through any medical negligence.
A personal injury occurs when someone suffered from some form of injury, either physical or psychological, as the result of an accident or medical malpractice.
A personal injury, physical or psychological, can have long or short term effects. Injury or disease resulting from someone's else negligence is often a very traumatic and worrying experience. You may feel vulnerable and unsure of your own rights and responsibilities, during this difficult time.
Any type of bodily injury as a result of an attack, negligence, or accident can also be categorized as the same, and you can file a lawsuit to recover damages from whoever is responsible for your injuries.
Any type of bodily injury as a result of an attack, negligence, or accident can also be categorized as the same, and you can file a lawsuit to recover damages from whoever is responsible for your injuries.
Personal injury accidents are on the rise. It's estimated that every year more than 90,000 people in the United States die due to personal injuries and even more are injured, but must live with the painful effects of their injury for many years.
Claim For Personal injury
If a person have suffered by a personal injury of any kind, due to incidental or negligence of other party then in that case one have legal or civil right to claim for the injury and track back their life as soon as possible. Making a claim is still a legal procedure and there is far more involved than just filling in a form and then getting the compensated money a few weeks later. Depending on the type of case there are many restrictions and pitfalls to making a claim. The key is to get a solicitor that has experience in your type of claim, that way they can advise you of everything you need to know prior to even starting a case. Figuring out how much your accident injuries are worth, is a critical aspect of any personal injury claim, and it's the part of a claim that is most difficult to determine.
Personal injury claims can be complicated and time-consuming, but with the help of specialist solicitors, the process can be made much more simple and quick. The most common type of personal injury claims are road traffic accidents, accidents at work, tripping accidents, assault claims, accidents in the home, defective product accidents and holiday accidents.
However, many families don't realize that they may be due just compensation under the law for their injuries. Other families are grieving in the midst of a loss and don't realize they may also be due just compensation for the personal injury accident that took their loved one from them.
If you or a member of your family has been the victim of a personal injury accident, you need experienced, competent, and reliable personal injury lawyers. If your family resides in or across Michigan, Hirsch law firm is the First and best option for your personal injury case.
There are two components to any personal injury case, damages and liability.
Most personal injury cases are settled out of court by negotiating with the defendants insurance company. If a negotiation cannot be reached in this manner, a Compliant of Law must be filed in civil court, most often in the States circuit court in the county in which the injury occurred.
When making a personal injury claim, there are statutes of limitation set to define the time between when an injury occurs and when the claim can be filed. These statues vary from state to state and may be different depending on the type of injury involved.
If you want any free advice on any of your personal injury cases or wants to hire an attorney for your case do contact Hirsch law firm http://www.jonhirschlaw.com
Understanding Michigan Auto Accident Claims and The Basics of Michigan's No-Fault Laws Sunday, September 12, 2010
Image : http://www.flickr.com
The laws that govern Michigan automobile accidents are long and complex. Often, the terms used by car accident insurance agents and lawyers are confusing. Two important terms you should know:
- First-Party Benefits
- Third-Party Benefits
Michigan is a No-Fault State. This means that your own Michigan car accident insurance company pays most of the economic losses you suffer in an automobile accident, regardless of who was at fault. These economic benefits are called First-Party Benefits.
Third-Party Benefits usually cover non-economic losses, including damages for pain and suffering. Both of these types of benefits are described in detail below.
Michigan First-Party Basics
The Michigan law defining First-Party Benefits states: First-party benefits are payable to anyone who suffers an injury arising out of the ownership, operation, maintenance or use of a motor vehicle as a motor vehicle.
The following analysis looks at:
- Who has to pay your Michigan No-Fault Benefits?
- What are the specific benefits you may be entitled to receive after a Michigan auto accident?
Michigan First-Party Order of Priority
Although your own insurance is first in line to pay in a Michigan automobile accident, there are times when an uninsured individual is an innocent passenger in a motor vehicle. In these circumstances, determining who is responsible to pay Michigan No-Fault Benefits can be complex.
Driver or Passenger Order of Priority
- 1st priority is your own insurance policy, if none then...
- 2nd priority is to the insurance company of a resident relative (i.e. spouse, parent, or sibling), if none then...
- 3rd priority is to the insurer of the owner of the vehicle occupied, if none then...
- 4th priority is to the insurer of the driver of the vehicle occupied, if none then...
- 5th priority is to the State of Michigan Assigned Claims Facility.
Pedestrian Order of Priority
- 1st priority is to your own insurance, if none then...
- 2nd priority is to the insurance company of a resident relative (i.e. spouse, parent, or sibling), if none then...
- 3rd priority is to the insurer of the owner of the motor vehicle involved in the accident, if none then...
- 4th priority is to the insurer of the driver of the motor vehicle involved in the accident, if none then...
- 5th priority is to the State of Michigan Assigned Claims Facility.
Motorcycle Order of Priority
A different order for receiving benefits exists if you were on a motorcycle when the accident happened, because motorcycles are not considered "motor vehicles" under Michigan law. In a motorcycle/auto collision, the priority would be as follows:
- 1st priority is to the insurer of the owner of the motor vehicle involved in the accident, if none then...
- 2nd priority is to the insurer of the operator of the motor vehicle involved in the accident, if none then...
- 3rd priority is to the motor vehicle insurer of the operator of the motorcycle involved in the accident, if none then...
- 4th priority is to the motor vehicle insurer of the owner of the motorcycle involved in the accident, if none then...
- 5th priority is to the State of Michigan Assigned Claims Facility.
The Michigan Assigned Claims Facility
The Michigan Assigned Claims Facility is a State Agency with the power to assign an auto accident insurance company to provide benefits, if an injured victim cannot obtain benefits from other sources. Remember that uninsured drivers, operating vehicle they own, do not qualify for Michigan Assigned Claim Facility assistance. To apply for Assigned Claims Benefits, call the Michigan Assigned Claim Facility directly at 517-322-1875.
Specific Michigan First-Party Benefits
The First-Party No-Fault Benefits that you claim from your own insurance company include:
Medical Bills for Life
Michigan motor vehicle accident law requires that medical coverage continue for life, or for as long as you need treatment for injuries suffered in the accident.
There are many complicated factors to getting your medical bills paid, if you are in a Michigan motor vehicle accident. We recommend that you contact our office about your rights.
To qualify for medical expense reimbursement, a bill must be reasonable (in cost and necessity) and the bill must be actually incurred. Michigan law does not provide for guaranteed pre-payment of bills due to a motor vehicle accident. Sometimes, an auto accident insurance company will try to escape its responsibility, by questioning the need to a medical test or procedure, which your physician ordered, or by disputing the amount of the medical bill.
Insurance companies in Michigan provide two types of medical coverage in the event of an automobile accident:
- Uncoordinated benefits
- Coordinated benefits
Your insurance policy states which type of benefits you should receive. An uncoordinated policy pays benefits, regardless of the presence of other health insurance. A coordinated policy requires your other health insurance to pay first, and your automobile insurance to pay amounts that your primary insurer does not cover.
It is common for a primary health insurance policy and a motor vehicle insurance policy to contain contradictory language about which one has the first obligation to pay medical bills. Meanwhile, the motor vehicle insurance company may escape its obligation to pay a bill, if it did not receive it within one year of the date that you got the medical treatment.
Wage Loss
Michigan No-Fault Law allows an injured individual to receive 85% of his or her lost wages, if a doctor found the victim disabled from work due to injuries suffered in a car accident. This benefit cannot exceed a period of 3 years. The wage loss benefit is set at 85%, rather than 100%, of lost earnings because the benefit is tax-free. The law also sets a monthly cap on the amount of lost wages that the insurance company must reimburse.
Attendant Care
Michigan auto accident law requires the no-fault insurance company to pay for attendant care (also known as nursing services) for an injured victim who needs supervision or assistance while recovering at home. Sometimes, a physician determines that a person with severe injury needs around-the-clock supervision. A caregiver who is a member of the victim's family is entitled to attendant care reimbursement. Although the law does not set a specific hourly rate for the caregiver, the reimbursement should reflect the type and complexity of the services that the injured person receives. Frequently, insurance companies unreasonably and unlawfully refuse to pay for adequate attendant care.
Replacement Services
This term refers to reimbursement for services that you would have performed on your own, if you were not injured in an accident. If you paid or promised to pay for household services, chores, errands, etc., which you usually accomplished on your own, then you may be entitled to reimbursement for these expenses. A physician needs to provide a written statement that you are unable to do these tasks on your own. In addition, your insurance company may require documentation of who performed which services. Michigan law states that an auto accident insurance company is obligated to reimburse up to $20 per day for replacement services and that these benefits last for up to three years.
Mileage Reimbursement
Often, proper medical treatment, tests, and physical therapy require an injured person to travel long distances. Michigan No-Fault Law provides for the reimbursement for mileage traveled to and from this medical care.
Third-Party Auto No-Fault Law Basics
Under Michigan auto law, while First-Party Benefits cover most economic losses, Third-Party Benefits provide damages for pain and suffering, scarring or disfigurement, death, and wage loss in excess of 3 years. In Michigan, a Third-Party legal claim is filed against the at-fault driver in the motor vehicle accident. With the exception of excess wage loss, the damages sought in a Third-Party case are non-economic in nature. To prevail in a claim against a careless driver for non-economic damages in Michigan, the injured auto accident victim must show that he or she suffered a "threshold injury." Michigan law defines this as:
- A serious impairment of an important body function, serious disfigurement or scarring, or death.
It is very common for insurance company adjusters to assert that an injury is not a "serious impairment of a body function." However, if you have an objectively documented injury to an important part of your body, and this affects your life, then you should talk with an experienced Michigan auto accident lawyer dedicated to helping Michigan auto injury victims.
Attorney Marya Sieminski joined the Law Offices of Sam Bernstein in 2003. She is admitted to practice law in Michigan state courts and in the U.S. District Court for the Eastern District of Michigan. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. She also was appointed by the Governor to serve on the State of Michigan Workers Compensation Qualifications Advisory Committee.
The Law Offices of Samuel I. Bernstein, our Michigan auto accident and personal injury law firm, has championed the cause of seriously injured Michigan auto accident victims for three generations.
Northern Michigan Vacations
This past year I turned 50, and with this milestone I became a bit more reflective of my past. I began thinking about the childhood days of the Northern Michigan family vacations with my brothers and parents. Back then there was genuine excitement dealing with the fact that we would be going away, even if it was just a simple trip north to go camping. I have been to destinations all around the country and witnessed some fantastic sites but something has always pulled me back to these simple trips north.
I currently live in the Detroit area and it is on a yearly basis that my wife and I take a vacation making the trek north up I-75 and across US-2 to visit her parents. These are the same places I had visited as a child, and maybe now I can begin to make sense out of why this has always been special. It is hard to put your finger on just one thing that separates activities up in Michigan's Upper Peninsula from life at home. How can a person choose between the first inhale of Lake Superior air, biking for hours, sunsets that saturate the skyline or wordless hours of contentedness spent in Adirondack chairs smoking cigars.
Yet for all of northern Michigan's abundant treasures, something has to be said for realizing that all of the daily necessities from home become unnecessary up there while on vacation. Alarm clocks, blackberries, cell phones, tending to physical appearance, and diets and alcohol consumption limits become somewhat meaningless.
Whatever the particular fondness, it is safe to say that the northern Michigan state of mind can not be replicated back home. So it is a kind of ode to my own rational way of thinking that here are my latest reasons why I am now becoming fond of this trip all over again, and possibly why I felt so good about the vacation as a child.
o Appetites abound because everything tastes better cooked up there, especially the homemade pasties which I only have once a year.
o Riding a bike and experiencing the joy of the rolling hills and winding turns knowing that with every last aching pedal up the hills the reward comes in the glide down.
o Falling asleep after watching old movies, which somehow seem better then the current releases even with the lack of High Definition special effects.
o Being the only human being on the beach after bathing in the lake.
o Sitting on the porch looking at a sky so clear you feel as if you are in a planetarium.
o Fishing in the early morning, even if it does not really matter if the fish are biting or not
Unfortunately, the experience only lasts for a few days, and then the reality of the real world sets in again, but for the short period of time, I think I remember why my past and my present meet up once a year, and how good the feeling is to experience this once again.
Earl Campbell
Michigan Car Insurance Quotes And The Minimum Requirements Tuesday, September 7, 2010
If you need a Michigan car insurance quote but you're not sure what to quote on, here are a few tips to get the right quotes and save money. This includes the minimum state requirements for auto insurance.
By law, Michigan requires that you purchase no-fault car insurance if you own a vehicle. According to Michigan's official state Web site, they have the most comprehensive no-fault auto insurance system in the country.
With this system, vehicle owners and their families are provided with unlimited medical and rehabilitation benefits, wage loss benefits and $20 per day for replacement services for up to three years if injured in an auto accident -- no matter who was at fault.
The minimum parts of a no-fault policy that must be carried on your vehicle are:
Personal Injury Protection, or PIP, which pays necessary medical costs if you are injured in an accident.
Property Protection, or PPI, which pays up to $1 million for damages your car does in Michigan to other property.
Residual Bodily Injury and Property Damage Liability Insurance, also known as BI/PD. This pays for defense costs and damages if you are found liable in an accident. The minimum limits you must purchase are:
Bodily Injury -- $20,000 per person who is hurt or killed in an accident, and $40,000 per accident if several people are hurt or killed.
Property Damage -- $10,000 for property damage in another state.
You can also increase your limits to provide more financial protection, and add optional coverages such as Uninsured Motorist and Comprehensive.
Since car insurance companies in Michigan charge different rates from company to company, one of the best ways to save money is to get several quotes. Provide the same information and request the same coverages for each quote in order to get the most accurate comparison.
Scott Lunt is a freelance writer with over 15 years experience writing about car insurance. You can compare Michigan car insurance quotes and quotes for all other states, plus find more tips on saving on car, home, life, health and long-term care insurance at LowerYourInsurance.com. The site also includes a handy worksheet to help you when shopping for car insurance.
Michigan Pike Fishing - How To Get The Best Game Sunday, September 5, 2010
The state of Michigan can be described as having been blessed with the best of nature's beauty and so attracts tourists and fishermen from all over the world. Over 50 percent of Michigan is afforested and boasts of over 10,000 lakes that are best suited for fishing all species of game - at least fresh water species. Even when it comes to ice fishing Michigan has the best locations to offer anglers from the world over because most of the rivers and lakes freeze over in the winter months.
Among the many species of fish that are found the most popular is perhaps the Pike. The Northern Pike is found abundantly in the lakes of Michigan, however, when it comes to catching one you are up against the most cunning and elusive species of fish in the world. This is what makes fishing fir Pike one of the favorite pastimes of every angler worth his tackle no matter where the reins from in the world.
Though these fish will not be found in every lake in Michigan there are found in most of the lakes and a little research will prove fruitful in locating this elusive Piscean. Anglers demand for this fish is such that the authorities have started breeding and stocking the lakes with Pike just to keep the fishing tourist traffic coming as this is huge revenue for the state. This is also why there are regulations about the size of a fish you can remove from the lake. So, caution is advised, if you are caught with an extra small Pike you are likely to be fined and repeated misdemeanors will get you rapped on across your knuckles and called a naughty boy - you may even be made to stand in the corner of a jail cell if you are extra bad.
The best place to fish for Pike is in the lakes of Munuscong Bay, in Chippewa County - perhaps the best place to get some of the best bites. Many good trophies have been caught and mounted here. Then there is Drummond Island where you can get some very good specimens of Yellow Perch, Whitefish and Walleye.
The other locations that you can go fishing and are guaranteed to find a spot that is not crowded include:
- Mackinac County
- The Big Manistique Lake
- South Manistique Lake
- The Au Train Lake
- Munising Bay Little Bay de Noc
- Horseshoe Lake
- Big Shag Lake
It is best to try out the smaller lakes as these are little known lakes and are also good for ice fishing as these small water bodies freeze up faster in the winter than the larger lakes. They also have a greater variety of fish that are eager to bite and make an anglers day. So, come to Michigan and ask around, if you don't already know your way around. You are sure to find the perfect spot to make your fishing excision a memorable one.
Abhishek is an avid Fishing enthusiast and he has got some great Fishing Secrets up his sleeves! Download his FREE 116 Pages Ebook, "Fishing Mastery!" from his website http://www.Fishing-Masters.com/772/index.htm. Only limited Free Copies available.
Payroll Michigan, Unique Aspects of Michigan Payroll Law and Practice Friday, September 3, 2010
Image : http://www.flickr.com
The Michigan State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is:
Department of Treasury
Sales, Use and Withholding Taxes Div.
Treasury Bldg.
430 W. Allegan St.
Lansing, MI 48922
(517) 636-4730
http://www.michigan.gov/treasury
Michigan requires that you use Michigan form "MI-W4, Employee's Michigan Withholding Exemption Certificate" instead of a Federal W-4 Form for Michigan State Income Tax Withholding.
Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In Michigan cafeteria plans are not taxable for income tax calculation; taxable for unemployment insurance purposes. 401(k) plan deferrals are not taxable for income taxes; taxable for unemployment purposes.
In Michigan supplemental wages are taxed at a 3.9% flat rate.
You must file your Michigan state W-2s by magnetic media if you are have at least 250 employees and are required to file your federal W-2s by magnetic media.
The Michigan State Unemployment Insurance Agency is:
Bureau of Workers and Unemployment
Compensation
Cadillac Place
3024 W. Grand Blvd.
Detroit, MI 48202
(800) 638-3994
The State of Michigan taxable wage base for unemployment purposes is wages up to $9000.00.
Michigan has optional reporting of quarterly wages on magnetic media.
Unemployment records must be retained in Michigan for a minimum period of six years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination.
The Michigan State Agency charged with enforcing the state wage and hour laws is:
Department of Consumer and Industry Services
Bureau of Safety and Regulation
Wage and Hour Division
7150 Harris Dr., Box 30643
Lansing, MI 48909-8143
(517) 322-1825
[http://www.michigan.gov/cis/0],1607,7-154-11407---,00.html
The minimum wage in Michigan is $5.15 per hour.
The general provision in Michigan concerning paying overtime in a non-FLSA covered employer is one and one half times regular rate after 40-hour week.
Michigan State new hire reporting requirements are that every employer must report every new hire and rehire. The employer must report the federally required elements of:
- Employee's name
- Employee's address
- Employee's social security number
- Employer's name
- Employers address
- Employer's Federal Employer Identification Number (EIN)
This information must be reported within 20 days of the hiring or rehiring.
The information can be sent as a W4 or equivalent by mail, fax or electronically.
There is no penalty for a late report in Michigan.
The Michigan new hire-reporting agency can be reached at 800-524-9846 or on the web at http://www.newhire-usa.com/mi/.
Michigan does not allow compulsory direct deposit
Michigan requires the following information on an employee's pay stub:
- Gross and Net Earnings
- straight time and overtime pay
- pay periods
- hours worked
- itemized deductions
Michigan requires that employee be paid semimonthly; monthly if wages paid by 1st of next month; weekly or biweekly if paydays regularly scheduled.
Michigan requires that the lag time between the end of the pay period and the payment of wages earned from 1st-15th, pay by 1st of next month; 16th-end of month, pay by 15th of next month; 14 days after pay period for weekly or biweekly paydays to the employee.
Michigan payroll law requires that involuntarily terminated employees must be paid their final pay immediately, or as soon as amount due is determined and that voluntarily terminated employees must be paid their final pay when amount is determined.
Deceased employee's wages must be paid when normally due to employee's written designee; if none, surviving spouse, children, parents, or siblings (in that order).
Escheat laws in Michigan require that unclaimed wages be paid over to the state after one year if more than $50.
The employer is further required in Michigan to keep a record of the wages abandoned and turned over to the state for a period of 10 years.
Michigan payroll law mandates no more than $2.50 may be used as a tip credit.
In the Michigan payroll law there is no provision covering required rest or meal periods.
Michigan statute requires that wage and hour records be kept for a period of not less than three years. These records will normally consist of at least the information required under FLSA.
The Michigan agency charged with enforcing Child Support Orders and laws is:
Office of Child Support
Michigan Family Independence Agency
235 S. Grand Ave., Ste. 1406
Lansing, MI 48933
(517) 373-7570
Michigan has the following provisions for child support deductions:
- When to start Withholding? 7 days after service.
- When to send Payment? Within 3 days of Payday.
- When to send Termination Notice? "Promptly"
- Maximum Administrative Fee? no provision
- Withholding Limits? Federal Rules under CCPA.
Please note that this article is not updated for changes that can and will happen from time to time.
Charles J. Read, CPA has been in the payroll, accounting and tax business for 30 years, the last fifteen in private practice. Mr. Read is the author of “How to Start a New Business”.
For Professional Payroll services at a Budget Price go to http://www.PayrollonaBudget.com a Paperless Payroll Company.
Go to http://www.CustomPayroll.com For a full service payroll service bureau with CPA's on staff.
See an excerpt of Mr. Read’s interviews from William Shatners “Heartbeat of America” television show on the websites linked above.
Michigan Personal Injury Lawyers: A Guide Thursday, August 26, 2010
Personal injuries caused by the negligent or careless act of others can often yield serious results. Personal injuries, if grave, can lead to serious physical disabilities, loss or damage of properties, and even death. In such circumstances, the victims depend upon the financial compensation awarded for the sufferings and the injuries. You might represent yourself and get compensated with some amount, but most often in grave situations, a personal injury lawyer is the best representative to help you in claiming well-deserved compensation not only for physical sufferings, but also for the emotional traumas.
With so many lawyers out there, it is not easy to find a lawyer who can suit your needs and guide you in the best direction. A lawyer with specialization and a proven track record in the field of personal injury cases and successful negotiations is the one who can help you to receive fair compensation. An experienced and expert personal injury lawyer can accurately assess the merits of a case, approximate its monetary value, and determine the best strategy for presenting the case.
Every state has its own laws and rules, and only the local and experienced lawyers are completely aware of the all rules and regulations; accordingly they can best present your case. It's in your best interest to go for a well-experienced lawyer from the state where you have suffered injuries and where you are planning to file the litigation. For example, if you suffered personal injury in Michigan, the best course of action would be to look for a good local lawyer; only a personal injury lawyer in Michigan can provide you with the guidance and legal counsel to safeguard your rights and interests in case of injury in that state. As per the contingency plan of the state, you need to pay to the lawyer only when you have received your reimbursement. In Michigan, a personal lawyer takes care of all the requirements, right from the documentation to finding the best possible solution for securing the deserved compensation for you.
It is, therefore, important to choose a well-known and expert personal injury lawyer. You can get a list of personal lawyers in Michigan from Internet lawyer referral services or the yellow pages or from your friends, colleagues, and relatives.
Michigan Personal Injury Lawyers provides detailed information about Michigan personal injury lawyers, Michigan personal injury lawsuit funding, Michigan personal injury law firms, Michigan personal injury laws and more. Michigan Personal Injury Lawyers is the sister site of Florida Personal Injury Lawyers Info.
Cheap Auto Insurance in Michigan Tuesday, August 24, 2010
If you have been using the same auto insurance for years, now may be the time to switch. More and more companies are now offering cheap auto insurance in Michigan, and they can give you substantial discounts just for signing up.
Many websites are very helpful in generating quotes and comparing them for you - within 10 minutes or less. Simply subscribe to the mailing list (usually for free), fill out an uncomplicated form and you will already receive fresh quotes from Michigan's top auto insurance companies. You can also choose to receive quotes from national providers and agents that have offices in Michigan.
Choose a website that has comparative rating systems so you can instantly compare rates and never have to do the math yourself. Some sites even ask you for your specific insurance needs so that they can adjust the search results to companies relevant to you. Many Michigan auto insurance companies have very strong web presence, so you can expect them to be actively connected to these comparison directories. In most cases, you can already buy your Michigan auto insurance policy online, without being rerouted to another website.
When shopping for cheap auto insurance in Michigan, do no just look at the bottom line. Inexpensive auto insurance packages are sometimes inexpensive because all they offer is minimum coverage. In the Michigan, that means $20,000 for injury liability for one person in an accident, $40,000 for injury liability for all injuries in an accident, and $10,000 for liability for property damage in an accident. You should look at packages that may be slightly higher, but offer far bigger coverage. Such an insurance package can save you from financial burdens later on should you cause injury or property damage that is worth much more than the minimum coverage. The additional few hundred dollars that you use to buy your insurance now can go a long way.
With our many payment plans available we are able to customize an affordable payment option that fits your budget. Sumner Insurance provides full coverage homeowners and cheap auto insurance.
Cheap Auto Insurance provides detailed information on Cheap Auto Insurance, Cheap Auto Insurance For New Drivers, Cheap Auto Insurance Online, Cheap Auto Insurance Quotes and more. Cheap Auto Insurance is affiliated with Affordable Insurance Info [http://www.i-affordableinsurance.com].
Top Ten Tips For an Affordable Michigan Vacation Monday, August 23, 2010
If you are looking for affordable family vacation ideas, here are our top ten tips for Michigan vacation travel.
1. Be as flexible as possible. If you are willing to travel on any date, you can discover great savings on last-minute travel to top Michigan locations even during peak season.
2. Rent a Condo. It may seem to be more expensive than a hotel room, but if you have a kitchen, then you can avoid the cost of eating at restaurants!
3. Travel after Peak Season. Take advantage of lower rates by traveling in the fall. Michigan has some nice train excursions, color tours, harvest festivals, wagon rides, corn mazes and other things to do at affordable prices.
4. Visit off-the-beaten-path destinations. Some of the nicest places in Michigan are the some of the least known. Do a little research to find these wonderful places and spend a lot less.
5. Rent a Home. In some places you can rent a 4 bedroom cottage on a beach with a boat for a week for less than a weekend stay at a popular hotel.
6. Don't Drive Too Far. If you already live in Michigan, some of the most enjoyable places are probably right near you. Don't be afraid to stay close to home.
7. Try Camping. Why not put up a tent or rent a cabin rather than book a hotel room? Michigan campgrounds are some of the best anywhere.
8. Stay nearby. Don't stay in the priciest spot. Pick a nearby town. You will save on your accommodations and avoid the crowds.
9. Try luxury resorts. There are plenty of luxury vacation packages throughout Michigan to allow the whole family to enjoy luxury and save a little money! You might be surprised at just how affordable these resorts can be.
10. Use the Internet to find your affordable family vacation. You can often find the best bargains and the cheapest rates online.
To learn more about other great Michigan vacation ideas and insider travel tips, visit Michigan Vacation Destination at http://www.michigan-vacation-destination.com
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