Macomb County Car Accident Risks & Michigan's No-Fault Insurance
The Macomb County Traffic Safety Association reported that the number of Macomb County traffic deaths has declined for the second year in a row.
Macomb Daily reported 38 people were killed on Macomb county roads last year, a decline of nearly 31 percent compared to the 58 motorists killed in 2016.
While our injury lawyers in Macomb County will take good news where they can get it, such statistics can have a negative impact on road safety if motorists don't take safe driving seriously as we head into the summer travel season. As we reported recently on our injury law blog, accidents are now the third leading cause of death nationwide.
Michigan Summer Traffic Safety - Avoid Risky Driving Behavior
The message from safety advocates rarely changes. Distracted driving, alcohol use and speeding were all cited as leading causes of Michigan traffic accidents last year.
Michigan State Police handled the most accidents in Macomb County last year (8). The Macomb County Sheriff's Office handled fatal accidents in Roseville, Warren, Eastpointe, Sterling Heights, Chesterfield, Clinton, Fraser, Shelby and St. Clair Shores. Sterling Heights reported the most accidents with 4,729, followed by Warren, with 4,049.
Teen drivers will face particularly high risk between now and the end of summer travel season. Safety advocates are pushing the Strive For A Safer Drive (S4SD) program in front of 60,000 students at 61 Michigan high schools in advance of the graduation season.
Bicycle safety is also in focus in advance of the summer riding season. UpNorthLive reports the Michigan House approved a 3-foot distance rule late last month, which would require motorists to give riders at least 3 feet when making a pass. Currently, Michigan is among 11 states with no safe-passing law. Bicycle accidents in Michigan claim an average of 40 lives a year, and leave 2,000 other riders seriously injured.
Determining Liability after Michigan Traffic Accidents
Michigan's no-fault insurance law confuses some motorists into believing it doesn't matter who was responsible for causing an accident. While the law mandates all drivers carry mandatory minimum coverage, including Personal Injury Protection (PIP) to cover initial medical care regardless of fault, those found responsible for serious or fatal accidents can still face personal injury or wrongful death claims. However it does mean that minor injuries and property damage will typically be paid by a motorist's own insurance policy, without regard to fault.
Basic no-fault policies have three parts. Personal Injury Protection (PIP), which pays medical costs and lost wages up to a maximum amount, as well as up to $20 per day for replacement services. The second part of a no-fault policy is property protection (PPI), which pays for damage to someone else's property. The third part of a no-fault policy is residual bodily injury and property damage liability insurance (BI/PD), which pays the cost of defending you from an accident lawsuit as well as any damages for which you are found liable, up to the policy limit.
For those dealing with a serious or fatal car accident, a Michigan injury lawyer will be in the best position to review your policy, as well as the insurance policies of other drivers involved, and identify all of the coverage to which you may be entitled.