From Gary Safir
Answers.
Straight answers to the questions insurance companies hope you never ask. Written by a trial lawyer who used to work for them.
En español: Respuestas en español · إجابات بالعربية
Before you tell an AI chatbot about your accident case, read this.
A federal court just ruled AI conversations are not privileged and can be used against you. What is safe to ask, what never to type, and why deleting chats makes it worse.
August 2026 · Your case & AI · 6 min read
My insurer rescinded my policy after the crash. Can I still sue?
Yes. The Michigan Supreme Court held that post-crash rescission does not make you an uninsured driver, and the negligent driver does not get to borrow the insurer’s legal fiction.
August 2026 · Coverage · 5 min read
“I have full coverage.” Here’s why that phrase means almost nothing.
“Full coverage” is a sales phrase, not a policy. What it routinely leaves out in Michigan, and the five questions to ask your declarations page before the crash, not after.
August 2026 · Coverage · 5 min read
What is uninsured and underinsured motorist coverage in Michigan?
Both are optional, purely contractual, and full of traps: limits that do not stack, setoff math, consent-to-settle clauses, and deadlines shorter than any statute.
August 2026 · Coverage · 7 min read
A lawyer told me my injuries don’t “meet threshold.” Are they right?
Maybe not. The McCormick test measures your changed life, not the name of your diagnosis, and many cases get turned away because the right questions were never asked.
August 2026 · Threshold · 9 min read
The driver who hit me had no insurance. What are my options?
More than you think. Contested coverage denials, your own UM coverage, the Michigan Assigned Claims Plan, and the driver personally. The real danger is the one-year deadline.
August 2026 · Coverage · 6 min read
An insurance company says the policy was cancelled before the crash. Is that the end?
Not necessarily. Michigan requires a peremptory, unconditional 10-day notice, and the Supreme Court holds insurers to it. When the cancellation was defective, the coverage never went away.
August 2026 · Coverage · 7 min read
The insurance company says the policy is only $50,000. Michigan law may say otherwise.
Since the no-fault reform, every Michigan auto policy defaults to $250,000/$500,000 in bodily injury coverage. A lower limit requires a signed state form, and insurers do not always have one.
August 2026 · Coverage · 4 min read
Hurt in a Michigan crash with out-of-state insurance? The denial may be wrong.
Insurers stack two statutes together to erase out-of-state drivers’ claims. A published Court of Appeals decision rejected that argument, and the residency question is rarely as simple as the adjuster claims.
August 2026 · Michigan No-Fault · 5 min read
I was uninsured when I got hit. Do I still have a case in Michigan?
Probably yes, at least in part. Your wage loss claim may still be alive no matter what an adjuster told you, and the pain and suffering bar itself is under active constitutional challenge.
August 2026 · Michigan No-Fault · 6 min read
Have a question these didn’t answer?
Ask Gary directly. Free consultation, no pressure, and if the honest answer is that you don’t have a case, that is the answer you will get.
Attorney advertising. These articles are general information, not legal advice, and reading them does not create an attorney-client relationship. Every case turns on its own facts. Gary Safir is a trial lawyer at Morgan & Morgan’s Detroit office, licensed in Michigan and Ohio. Free consultation: (313) 444-8476.