Articles Tagged with UCJ

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MAIF logo.jpgMost auto accident lawyers hate filing MAIF claims. First, there are a lot of hoops to jump through, including a 180-day notice requirement that, if not met exactly, can capsize the entire claim. Second, MAIF uninsured claims are limited to $30,000 per person and $60,000 per accident (see our recent post on the increased minimums). Third, MAIF is really hard to deal with–these claims often require twice the amount of work as one against any other insurance company, and most MAIF uninsured claims have to be resolved at trial. MAIF doesn’t like to pay out under any circumstances.

Auto accident victims may have to look to MAIF for recovery in these circumstances:

  • Hit-and-run auto accident (“phantom vehicle”)
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Phantom Vehicle.jpgMany people come to us because they’ve been in an accident, but they are unsure what their options are. This is rarely more true than in the phantom vehicle case. This is where there is an accident, but no sign of the person who caused the accident. These cases are sometimes hit-and-run accidents, though phantom vehicle cases can happen where the phantom vehicle takes the right-of-way from another motorist, causing that motorist to hit a third motorist (while the phantom vehicle goes merrily along its way). In many cases, these are pedestrian hit-and-runs.

What can be done? Fortunately, Ghostbusters aren’t needed. There are usually two options.

First, if you have uninsured motorist (UM) protection on your automobile insurance policy, you can file a claim against your insurance company, which will stand in the place of the phantom vehicle. You will have to prove your claim, either to the insurance company’s satisfaction or to a judge/jury. In some cases, though, your testimony alone may be sufficient proof (independent witnesses who saw the phantom vehicle wouldn’t hurt your case, however).