The Ultimate Michigan Motorcycle Accident Handbook

The Ultimate MichiganMotorcycle Accident

Handbook

A Practical Guide to Understandingthe Legal Rights of Injured Bikers

Michigan Accident AttorneyDaniel L. Buckfire


Handbook




Handbook




Handbook



Copyright © 2009 by Daniel L. Buckfire

All rights reserved. No part of this book may be used orreproduced in any manner whatsoever without written permissionof the author.

Printed in the United States of America.

ISBN: 978-1-59571-354-4

Word Association Publishers205 5th AvenueTarentum, PA 15084www.wordassociation.com




ISBN: 978-1-59571-354-4





ISBN: 978-1-59571-354-4





ISBN: 978-1-59571-354-4


CONTENTS

Forward – Who I am, and Why I Wrote This Book ivLegal Advice viChoosing the Right Lawyer for Your Case 1Legal Requirements for Owning and Operating a Motorcycle 3What Does the Phrase “No-Fault” Mean, Anyway? 6Motorcycle Repairs and Damage Claims 8Being Compensated for Your Personal Injuries 11No-Fault Insurance Benefits 18

Types of BenefitsWage and Income Loss 26Medical Bills, Prescription Costs, and Other Expenses 31In-Home Nursing Care / Attendant Care 36Household Chores / Replacement Services 40Case Management Services 43Home Modifications and Accommodations 47Medical Mileage 51Special Transportation 54Survivor’s Loss Benefits 57

Free Newsletter Form 6110 Secrets that Your Insurance Company Will Not Tell You 62Free Motorcycle Insurance Report 63

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CONTENTS




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CONTENTS




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CONTENTS




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Who I am and Why I Wrote This Book

I am attorney Daniel L. Buckfire and am a partner at the lawfirm of Buckfire & Buckfire, P.C. I have an undergraduatedegree in accounting from the University of MichiganBusiness School and a law degree from the University ofMichigan Law School.

I am not a biker. If you are looking for a biker/lawyer, I amnot the attorney for your case. Of course, if you were lookingfor the best surgeon to operate on your brain, I sincerelydoubt that you would insist on having a biker/surgeon.

If you are looking for a lawyer with integrity who possessessignificant knowledge of the complex insurance and liabilitylaws relating to motorcycle accidents, you should seriouslyconsider hiring me for your case. I work with the finestmotorcycle accident reconstruction experts, highwayengineers, and motorcycle safety experts in the United Stateson my cases. I have achieved excellent results for my clientsinjured in motorcycle accidents and believe that I can do thesame for you.

I wrote this book to help you understand your legal rights ifyou were injured in a motorcycle accident. The insurancelaws in Michigan that apply to motorcycle accidents are verycomplicated and change on almost a daily basis. This bookwas written to make these laws easy to understand forsomeone who is not a lawyer or judge.

The Ultimate Michigan Motorcycle Accident Handbook

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This book may not answer all of your questions and simplycannot cover every aspect of the Michigan No-Fault andmotorcycle insurance law. I am very proud to say that I havehelped hundreds of injured clients, just like you, with theircases in the last sixteen years. To learn more about my recordof success, please visit my firm web site for some examplesof the great settlements and jury verdicts that I have obtainedfor my clients.

I always look forward to sharing my expertise with newclients and gladly speak with all persons who call my office.If you know someone else who would benefit from this book,please have them call me and I will send them a copy free ofcharge.

Daniel L. Buckfire, Attorney at [email protected] in Motorcylce Accident and Insurance Claimswww.BuckfireLaw.comToll-Free: (800) 606-1717

A Practical Guide to Understanding the Legal Rights of Injured Bikers

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Legal Advice

I am not allowed to give legal advice in this book and youshould not take the information in the book as legal advice.It is intended to be informative and to provide you and yourfamily with a basic understanding of your rights. If you hiremy firm to represent you or a family member for a case, Iwill fully explain to you your legal rights under Michiganlaw and assist you in filing your claims. If you have alreadyhired a lawyer before reading this book, you should contactyour lawyer with specific questions about your rights andbenefits.


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Legal Advice



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Legal Advice



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Legal Advice



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Choosing The Right Lawyer For Your Case

Do all lawyers in Michigan know how to handlemotorcycle accident and injury cases?

No. The insurance laws in Michigan regarding motorcycleaccidents and auto accidents are very confusing and changealmost on a daily basis. The No-Fault law was created in1973 and there have been over 2,000 written court opinionsregarding these laws.

The fact that Attorney Ernie drafted a will for your uncle orthat Lawyer Linda handled your cousin’s divorce case doesnot make them qualified to handle a motorcycle accidentcase. Many attorneys who claim to be specialists inmotorcycle accident cases do not know the intricacies of thelaws relating to motorcycle accident cases.

While many lawyers will offer to represent you in your case,it is important to choose a lawyer to represent you thathandles serious motorcycle accident injury cases everydayand has significant experience and expertise in representinginjury victims. Lawyers without this knowledge andexperience may not be familiar with or even understand theselaws and its many technicalities, which could cause you tolose your benefits and your opportunity to obtain a settlementin your case.


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How do you find the best lawyer for your case?

The best way to find the right lawyer is to know the rightquestions to ask before you hire a lawyer for your case.These questions are a good start:

1. What experience do you have handling seriousmotorcycle accident injury claims?

2. Have you ever written a book, like this one, onmotorcycle accidents and insurance claims?

3. Have you ever spoken to groups of other lawyers andprofessionals about accident cases and insurancelaws?

4. Do you have a website with information on motorcycleaccident cases and free forms that I can print to makemy insurance claims?

5. What kinds of settlements have you received for yourclients?

The lawyers at Buckfire & Buckfire P.C. will give youhonest answers to these questions. Our firm has representedinjury victims and their families throughout the State ofMichigan for almost forty years. Our lawyers have thethorough knowledge, expertise, and experience in handlingthese cases and understand how to handle difficult cases andbest represent our clients. Most of our clients are referred tous from other clients who have placed their trust in us torepresent their family members, friends, and colleagues. Wealso receive many referrals from other lawyers and frommedical professionals who recognize that we are the law firmto best represent their clients and patients.


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Legal Requirements in Michigan forOwning and Operating a Motorcycle

There are specific legal requirements in the State of Michiganfor owning and operating a motorcycle. It is important toknow these rules and regulations before you buy or ride amotorcycle. These requirements also provide the basis fordetermining the rights of motorcycle riders and passengersinvolved in accidents.

What is considered a “motorcycle” underMichigan law?

Amotorcycle is a vehicle having a saddle or seat for the useof the rider, designed to travel on not more than 3 wheels incontact with the ground, which is equipped with a motor thatexceeds 50 cubic centimeters piston displacement.

Who is required to wear a helmet when riding amotorcycle in Michigan?

All motorcycle operators and passengers are required to weara safety helmet on their head. The helmet must meet U.S.Department of Transportation standards and be properlylabeled. The helmet must also be properly fastened.

What are the registration requirements for motorcycles?

If you plan to operate your motorcycle on public roads, youmust register it with the Secretary of State. Registrations arefor one year only and expire on the owner’s birthday. Whenregistering, the owner must provide proof of insurance of$20,000/$40,000 for public liability and $10,000 for property


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damage. There is no requirement to purchase medicalbenefits coverage on your motorcycle. For initial registration,the motorcycle title must be presented and for renewals, therenewal registration or the previous year’s registration mustbe presented.

How do I obtain a motorcycle endorsement on mydriver’s license?

To operate a motorcycle on public roads, you must have avalid Michigan driver’s license with a motorcycleendorsement. The requirements for obtaining a motorcycleendorsement differ for teens and adults.

For teens to apply for a motorcycle endorsement, teens mustbe at least 16 years old and possess a valid Level 2 or Level3 Graduated Driver’s License, successfully complete anapproved motorcycle safety course, and pass the writtenSecretary of State test.

For adults to apply for a motorcycle endorsement, adults age18 or older must possess a valid driver’s license, pass thewritten Secretary of State test, pass the motorcycle skills testby an organization approved by the Department of State orpass a motorcycle safety course approved by the Departmentof State. If an adult has a valid motorcycle endorsement fromanother state, the skill test and safety test may be waived.

How do I find an approved motorcycle testing program?

Driving skills tests are provided only through third-partytesting programs. You can find one by contacting your local


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Michigan Secretary of State office or by visiting thedepartment’s web site at www.Michigan.gov/sos.

How do I find an approved motorcycle safety course?

You can find one by contacting your local MichiganSecretary of State office or by visiting the department’s website at www.Michigan.gov/sos.

What are the insurance requirements for owning andoperating a motorcycle?

When registering, the owner must provide proof of insuranceof $20,000/$40,000 for public liability and $10,000 forproperty damage. There is no requirement to purchasemedical benefits coverage on your motorcycle.

Although there is no requirement to purchase medical benefitscoverage, we strongly recommend purchasing the maximummedical benefits coverage on your motorcycle that you canafford. This type of coverage is called “Med Pay” coverage.

Additionally, we strongly recommend purchasing themaximum uninsured/underinsured motorists coverage whichyou can afford on your motorcycle. This very importantoptional coverage will be discussed in detail later in this book.


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What does the phrase“No-Fault” mean anyway?

Most of you have heard the phrase “No-Fault” but do notknow exactly what it means or how it affects you if you wereinvolved in a motorcycle accident. You are not alone.Basically, it means that you may be able get insurance benefitsregardless of whether you or someone else was at fault in theaccident. That’s right, you may be entitled to insurancebenefits even if you were at fault in the accident.

Generally, when you are involved in a motorcycle accident inMichigan, there are three potential types of insurance claims,depending on the circumstances of the accident. These claimsare explained in more detail in this book, but they areclassified as:

MOTORCYCLE REPAIRSAND DAMAGES(Payment for repairs to your motorcycle)

BODILY INJURY CLAIMS(Payment for your personal injuries)

NO-FAULT INSURANCE BENEFITS/MED PAYBENEFITS(Payment for wage loss, medical expenses, etc.)

Michigan is a no-fault state, and there are very complex lawsin determining where to make claims for motorcycle repairsand no-fault benefits. Michigan law also allows you to makea claim against the driver and owner of the car or motorcyclewho was at fault in the accident if you suffered personal


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injuries, such as pain and suffering and for any visible scarsor disfigurements. These are called bodily injury claims.

In this book, I will tell you how to make these claims and willanswer many of your common questions. Of course, if youhave questions that were not answered in this book, you canalways just pick up the telephone and give me a call. Pleasefeel free to call me at our toll-free number at 1-800-606-1717.


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Motorcycle Repair and Damage Claims

Who has to pay for the repairs and damage to mymotorcycle?

Typically, your own motorcycle insurance pays for thedamages and repairs to your motorcycle.

In cases involving an accident with an automobile, the at-fault driver and owner of the automobile is not responsible forany damage done to your motorcycle—not even yourdeductible. Therefore, if you want compensation for thedamages and repairs to your motorcycle, you should purchaseCollision Coverage for the motorcycle with your insurancecompany.

In cases involving an accident with another motorcycle, theat-fault driver and owner of the motorcycle is responsible forthe damages and repairs to your motorcycle.

What types of collision coverage are there?

Most insurers offer Standard Collision and Comprehensiveinsurance coverage. With Standard Collision coverage, yourinsurance company pays for the damages and repairs to yourmotorcycle when you collide with another vehicle or object.If you hit a car, a pole or another nonliving object, StandardCollision coverage will apply.

With Comprehensive coverage, your insurance companypays for the damages and repairs to your motorcycle caused


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by an event other than a collision, such as fire, theft orvandalism. Also, if you hit an animal. Comprehensivecoverage will apply. Both coverages are subject to adeductible. Also, if you purchase Comprehensive and/orCollision coverage, most insurers provide a nominal amountof Custom Parts and Equipment (CPE)/Accessory coverage,with an option to purchase additional coverage, usually up to$30,000.00.

What if I did not buy collision coverage?

If you did not buy Collision coverage, you will have to payfor the damages and repairs to your motorcycle even if youwere not at-fault in the accident. However, there areexceptions. First, you can seek payment from an at-faultdriver and owner of an automobile if the driver and owner ofthe automobile were uninsured. Second, if a driver of amotorcycle negligently causes damages to your motorcycle,you can seek payment for the damages and repairs to yourmotorcycle from the driver and owner of the othermotorcycle. Finally, if your motorcycle was parked in a legal,safe and reasonable manner and was struck by an automobile,the damages to your motorcycle are recoverable from theinsurer of the owner or operator of the automobile involvedin the accident.

What is a deductible?

This is the amount that you agree to pay toward the damagesand cost of repairs to your motorcycle before the insurancecompany steps in to pay for the rest of the damages and thecost of repairs to your motorcycle.


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What is a mini-tort claim and does it apply motorcycles?

The Michigan No-Fault Act allows drivers and owners of anautomobile to recover up to $500.00 from the at-fault driverand owner of an automobile to cover the damages and repairsto the automobile. However,motorcyclists are not entitled tomake a mini-tort claim because it is limited to motor vehicles,and a motorcycle is not considered a motor vehicle under theMichigan No-Fault Act.

How much money out of my pocket will I have to pay forthe repairs?

This depends on the amount of coverage you purchased andthe amount of your deductible.

Do I have to pay for repairs and damages to anotherperson’s car if I caused the accident?

Because a motorcycle is not considered to be a motor vehicle(an automobile, car or truck) within the meaning of theMichigan No-Fault Act, the at-fault operator and owner of amotorcycle does not have No-Fault immunity. Thus, if anoperator and owner of a motorcycle is at-fault in an accident,then he or she may be liable to pay for the damages andrepairs to the other vehicle, regardless of whether the othervehicle was an automobile or a motorcycle. If you purchasedthe required insurance for your motorcycle, the damages andrepairs to the other person’s vehicle will be covered by yourinsurer, up to the property damage limits of your policy.


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Being Compensated forYour Personal Injuries

We have shown you how to obtain money to have yourmotorcycle repaired. Now we will answer the most commonquestions asked about how to receive a settlement for yourinjuries.

If I was driving a motorcycle or was a passenger on amotorcycle that was struck by an automobile, can I suethe driver and the owner of the automobile that causedthe accident for my injuries?

Yes. If the driver of the other automobile was at fault in theaccident and you suffered a serious injury or disfigurement(like a scar), you can sue the driver and the owner of the otherautomobile. A claim is made against the driver and owner ofthe automobile that caused the accident, and your damagesare covered by their insurance company.

What injuries are considered serious?

There is no specific injury that automatically qualifies as a“serious” injury and this is determined on a case by case basis.However, here are some examples of injuries that may qualify.

• Fractured and broken bones• Back and neck injuries, like herniated and bulging discs• Nerve damage• Injuries that require surgery or substantial treatment• Closed head and traumatic brain injuries• Spinal cord injuries


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• Psychological injuries, like depression and post-traumatic stress disorder• Injuries which cause disability from work and otherdaily activities

If I was driving a motorcycle or was a passenger on amotorcycle that was struck by another motorcycle, can Isue the driver and the owner of the motorcycle thatcaused the accident for my injuries?

Yes, if the driver of the other motorcycle was at fault in theaccident. However, unlike automobile accidents, where theother driver was operating a “motor vehicle” such as a car ortruck, you do not need to prove that your injury was “serious”or that you suffered some sort of disfigurement. You can suethe driver and the owner of the other motorcycle for all ofyour damages and injuries. A claim is made against the driverand the owner of the motorcycle that caused the accident, andyour damages are covered by their insurance company.

If I was a passenger on a motorcycle and the driver of thatmotorcycle caused the accident, can I sue the driver of themotorcycle for my injuries?

Yes, if the driver of the motorcycle was at fault in the accident.However, unlike automobile accidents, where the other driverwas operating a car or truck, you do not need to prove thatyour injury was “serious” or that you suffered some sort ofdisfigurement. You can sue the driver and the owner of themotorcycle for all of your damages and injuries. A claim ismade against the driver and the owner of the motorcycle, andyour damages are covered by their insurance company.


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What if I was a passenger on a motorcycle being drivenby a friend or family member? Could I still make a claimagainst their insurance policy?

Yes, you are still entitled to make a claim against your familymember or friend. Remember, your damages are covered bytheir insurance company.

Howmuch time do I have to sue the driver and the ownerof the automobile and/or motorcycle that caused theaccident?

You typically must file a lawsuit with the court within threeyears of the date of the accident. If the injured person is achild or a person with a mental disability, this period canoften be extended beyond three years. In order to protect yourrights, we recommend that you contact an attorneyimmediately to find out the time limitations involved in suingthe driver and owner of the car and/or motorcycle that causedthe accident.

What if the driver and owner of the automobile and/ormotorcycle who caused my injuries did not have liabilityinsurance at the time of the accident?

You may still recover compensation for your personalinjuries. This depends on whether you were occupying amotorcycle which had uninsured motorists coverage or youwere covered by your own insurance policy or a familymember’s insurance policy which had uninsured motoristcoverage at the time of the accident. This is called anUninsured Motorists Claim.


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In order to protect your rights, we recommend that youcontact an attorney immediately to find out the timelimitations involved in making an Uninsured MotoristsClaim, as well as the requirements under the policy whichyou must meet in order to make such a claim.

What if the driver and the owner of the automobile and/ormotorcycle that caused my injuries had only minimumcoverage for my bodily injuries caused in the accident?

This depends on whether you were occupying a motorcyclewhich had underinsured motorists coverage, or you werecovered by your own insurance policy or a family member’sinsurance policy, which had underinsured motoristscoverage at the time of the accident. If you are eligible forthis coverage, you can often make a claim against the policyto receive a settlement that is higher than the at-fault driver’sinsurance coverage. This is called an UnderinsuredMotorists Claim.

In order to protect your rights, we recommend that youcontact an attorney immediately to find out the timelimitations involved in making an Underinsured MotoristsClaim, as well the requirements under the policy which youmust meet in order to make such a claim.

If a family member died from amotorcycle accident, whatkind of claims can family members make against thedriver and owner of the vehicle that caused the death?

This is called aWrongful Death Case and can be brought bythe personal representative of the estate, usually a family


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member. The claim can bemade against the driver and owner ofthe vehicle that caused the accident. If the other driver or ownerof the vehicle did not have insurance or did not have enoughinsurance coverage, an Uninsured Motorists Claim orUnderinsuredMotorists Claim can be filed if this coverage exists.

Family members of the decedent can sue for the loss ofcompanionship, loss of services, loss of income, and otherlosses. Typically, the settlement is shared by members of thefamily, and the amount of each share is either agreed uponby the family members or decided by the judge.

What if the driver that caused the accident was drunk atthe time of the accident?

In this circumstance, you can sue the driver and owner of thevehicle and often you can sue the place of business that soldor provided the alcohol to the drunk driver. The time framefor notifying the provider of the alcohol of a potential claimis much shorter than the time for filing a lawsuit. In claimsinvolving drunk drivers, it is important to hire a lawyerimmediately to start the investigation and to find out whereand when the alcohol was furnished to the drunk driver.

Do I need a lawyer to represent me in these types of cases?

The simple answer is “no,” but you need to be careful not tosign away your legal rights with the other insurance companyfor a small settlement. If you agree to a settlement and signthe release papers, you cannot change your mind or comeback for another settlement at a later date. It is important tohave an attorney review all of the papers before you signthem and to assist you in obtaining the best settlement.


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Also, there are strict time limitations involved in makingthese types of claims. It is important to find out the timelimitations in making these types of claims. Although youmay attempt to settle a claim on your own, studies haveshown that injured persons usually receive a greater recoverywhen they have an attorney, even after paying the attorneyfees and costs.

How much money can I sue the driver and owner of theautomobile and/or motorcycle that caused the accidentand injured me?

There is no limit on the amount of money you can ask to becompensated for your injuries. This depends on theseriousness of your injuries, whether you can prove that theother driver caused the accident, and often the amount of theinsurance policy.

How do I know that I am receiving a fair settlement fromthe insurance company?

Unless you understand how experienced lawyers andinsurance companies determine the fair amount of asettlement, you may have a difficult time knowing whetheryou are receiving a fair settlement. The settlement amountdepends on a variety of factors, and it is difficult to know ifyou are being fairly compensated, unless you know the lawand have negotiated these types of claims in the past.


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Do I have to go to court to receive a settlement for myinjuries?

Although every case is different, most cases are settled withthe insurance company before going to court. Sometimes,claims are settled with the insurance company even before alawsuit is filed with the court.


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No-Fault Insurance Benefits

What are No-Fault Insurance Benefits?

No-Fault insurance benefits are benefits you are entitled toreceive under Michigan law, regardless of fault, if you wereinjured in a motorcycle accident that arose out of theownership, operation, maintenance or use of an automobile asan automobile, such as a car or truck. The primary pre-requisite is that the motorcycle accident must “involve” anautomobile, such as a car or truck, as the No-Fault insurancebenefits generally come from a Michigan automobileinsurance policy. These benefits include wage loss benefitsfor the first three years after the accident, assistance withhousehold chores for the first three years after the accident,unlimited lifetime medical expense coverage, mileage to andfrom doctor appointments, attendant care and other benefitssuch as home and vehicle modifications.

What types of accidents will allow me to obtain No-FaultInsurance Benefits?

The most typical situation is when you are injured in amotorcycle crash involving a car or truck. There is norequirement of physical contact between the motorcycle andthe automobile as long as there is a causal connectionbetween the motorcycle accident and the automobile. Forexample, if you were riding a motorcycle on the highway,and a truck came into your lane of travel and forced you offof the road, without actually hitting your motorcycle, youwould still be entitled to receive Michigan No-Fault Benefits.


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If it is a single motorcycle accident and NO automobile, suchas a car or truck, was “involved” in the accident, then you arenot entitled to receive Michigan No-Fault benefits. You maybe entitled to receive medical benefits under a motorcycleinsurance policy, but this type of coverage usually onlyprovides limited benefits. This type of coverage is called“Med Pay” coverage.

The determination of whether or not you can receive No-Fault Insurance Benefits if you have been involved in amotorcycle accident is very complicated. Therefore, werecommend that you consult with an attorney immediatelyafter a motorcycle accident to determine whether you areeligible to receive No-Fault Insurance Benefits.

Can I get these benefits?

You can obtain these benefits by filing anApplication for No-Fault Benefits with the proper insurance company that haspriority for paying your claims.

What if I was injured because I was at fault and causedthe accident?

You can receive all eligible benefits even if you were at fault inthe accident. This is true even if you injured another person inthe accident, or even if you were under the influence of alcoholor drugs at the time of the accident. An insurance companycannot deny your benefits if the accident was your fault.


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What typeofmotorcycle insurancedoIneedonmymotorcycleto qualify forMichiganNo-Fault Insurance benefits?

Your motorcycle must be insured in order to receive MichiganNo-Fault Benefits, by having basic motorcycle liabilityinsurance, commonly known as Personal Liability andProperty Damage (PLPD) insurance. Medical coverage isoptional under a motorcycle insurance policy.

This is the same insurance you need to register yourmotorcycle with the Secretary of State. If you fail to haveyour motorcycle insured then you will be precluded fromreceiving Michigan No-Fault benefits.

Owners without insurance on their own motorcycles areprecluded from receiving Michigan No-fault Benefits.

YOU ARE NOT REQUIRED TO PURCHASE THEOPTIONAL MEDICAL COVERAGE UNDER YOURMOTORCYCLE INSURANCE POLICY IN ORDERTO RECEIVE MICHIGAN NO-FAULT BENEFITS.

What if I was riding someone else’s motorcycle that wasnot properly insured?

If you were operating the motorcycle with the permission ofthe owner of the motorcycle, then you are entitled to receiveMichigan No-Fault benefits if it was “involved” in anaccident with an automobile, even if the motorcycle was notproperly insured.


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If the motorcycle was unlawfully taken and you were awareof that (this includes a reasonable belief that it was unlawfullytaken) then you would not be entitled to receive MichiganNo-Fault Benefits.

What if I am a passenger on someone else’s motorcycleand I am injured due to the negligence of the operator ofthe motorcycle that I am on?

If it is a single motorcycle accident and NO automobile was“involved” in the accident, then you are not entitled to receiveMichigan No-Fault benefits. You may be entitled to limitedmedical benefits under a motorcycle insurance policy. Youalso may be able to make a negligence claim against themotorcycle operator. This type of claim was discussed in anearlier chapter.

What if I am an operator of, or a passenger on amotorcycle and I am injured due to the negligence ofanother the motorcycle rider?

If NO automobile was “involved” in the accident, then youare not entitled to receive Michigan No-Fault benefits. Youmay be entitled to limited medical benefits under amotorcycle insurance policy. You also may be able to makea negligence claim against the negligent motorcycle operator.This type of claim was discussed in an earlier chapter.


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Does there have to be physical contact with anotherautomobile in order for me to file a claim for MichiganNo-Fault benefits?

No. In order to receive Michigan No-Fault Benefits, anautomobile, such as a car or truck, must be “involved” in theaccident. Involvement does not necessarily require contactor fault by the operator of an automobile. In virtually allcircumstances, though, contact by an automobile satisfies the“involvement” requirement under Michigan Law.

HowdoIknowwhich insurancecompany to filemyclaimwith?

This can be a complicated question but the No-Fault law setsup a system for determining which insurance company isresponsible for paying your benefits. This depends on manyfactors, such as whether the automobile involved in theaccident had insurance. It also depends on whether you hadyour own No-Fault insurance policy or were living with arelative who had an automobile insurance policy at the timeof the accident. Because there are strict time requirements forfiling your insurance claim, we suggest that you contact anexperienced attorney as soon as possible to determine whichinsurance company must pay your No-Fault benefits.

How do I get my claim for No-Fault Benefits started?

You can obtain these benefits by filing a written Applicationfor No-Fault Benefits with the insurance company that haspriority for paying your claims. Your own insurance agent,or the adjuster assigned to your claim, should promptlyprovide it to you.


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We also have theApplication for No-Fault Benefits availablefor you on our law firm website that you can download andprint for free. Simply visit www.BuckfireLaw.com and lookin the library section of the website.

Is there a time limit for filing my claim?

Yes. You must file a written Application for No-FaultBenefits with the proper insurance company who has priorityfor paying your claims within one year of the date of theaccident. If you fail to do so, you will not be able to obtainNo-Fault Benefits.

Also, written claims for wage loss benefits, medicalexpenses, household services, and other no-fault benefitsmust be sent to the proper insurance company within one yearof the date of the expense. If you fail to do so, you will notbe able to obtain recovery or reimbursement for the claim orexpense.

Do I need a lawyer to file my claim?

No. You may submit anApplication for No-Fault Benefits onyour own and submit claims for wage loss benefits, medicalexpenses, household services, and other no-fault benefits onyour own. Many times, the insurance company willvoluntarily pay the benefits that are owed to you without theassistance of an attorney.

WARNING: The insurance adjuster may not tell you all ofthe benefits you are entitled to receive from the insurancecompany. Furthermore, the insurance adjuster may not pay


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the full amount of the benefits that you are entitled to receivefrom the insurance company.

Therefore, even if you are handling your own claims for No-Fault Benefits, I recommend that you still consult with anattorney to find out your rights under Michigan law.

What do I do if the insurance company does not pay mybenefits?

Due to strict time limitations under Michigan law, Irecommend that you consult with an attorney immediately ifyour benefits are not being paid by the insurance company.

Is there a time limit for filing a lawsuit?

If the claims are presented within one year but are not paid bythe insurance company within one year of the date of expenseor claim, it will be necessary to start a lawsuit within that oneyear period in order to protect your claim. If you choose tobegin a lawsuit against your insurance company for No-Faultbenefits, you must file a lawsuit within ONE YEAR of the dateon which the last unpaid No-Fault benefit was incurred.If you fail to file your lawsuit within this one year period,you will lose the right to have the benefit or expense paid.

If there are any outstanding claims that have not been paid bythe insurance company as you are approaching the one yearanniversary of your accident, I recommend that you file alawsuit prior to the one year anniversary of the accident.


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Types of Benefits Types of Benefits

Types of Benefits Types of Benefits

Type of Benefit:Wage and Income Loss

What is it for?

Wage Loss benefits are for your loss of income due to theinjuries you suffered in the accident.

How do I know if I am eligible for these benefits?

You are entitled to receive these benefits under Michigan law,regardless of fault, if you were injured in a motorcycleaccident that arose out of the ownership, operation,maintenance or use of an automobile as an automobile, suchas a car or truck. The primary pre-requisite is that themotorcycle accident must “involve” an automobile.

Also, if you were driving your own motorcycle, yourmotorcycle must have been insured in order to receive thesebenefits, by having basic motorcycle liability insurance,commonly known as Personal Liability and Property Damage(PLPD) insurance. Even if you did not properly insure yourmotorcycle, you may be entitled to pursue other claims fromthe accident.

Due to the complicated laws in Michigan regardingmotorcycle accidents, we suggest that you contact anexperienced motorcycle accident attorney as soon as possibleafter an accident to determine what claims you are entitledto pursue under the law.


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How much can I get?

You are entitled to receive 85% of your gross pay, includingovertime, or loss of income, for the first three years followingthe accident if you are disabled as a result of the accident.

What if I was self-employed on the date of the accident?

You are still entitled to these benefits if you were self-employed on the date of the accident.

What if I was not employed on the date of the accident?

Many times, you are still entitled to be paid your lost wageseven if you were not employed on the date of the accident. Ifyou were a seasonal employee (like a landscaper, summerwork crew, or even a ski instructor) at the time of theaccident, you can still receive these benefits if the accidenthappened during your off work season. If you were about tostart a new job at the time of the accident, you can still receivethese benefits based upon what your income would have beenin your new job.

What if I was looking for a job on the date of theaccident?

If you were not working but were looking for a job, you arestill entitled to be paid wage loss benefits. You will need toshow proof that you were trying to find a job, such assubmitting resumes or putting in job applications withpotential employers. The amount of your wage loss benefits


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will be based on income from your last job before theaccident.

What if was being paid in cash for my job?

This does not matter. You simply need proof that you wereworking and being paid for your work. In order to prove yourincome, it will be necessary to file tax returns to show whatyour income was before the accident.

How long can I get it for?

You are entitled to these benefits for the first three years afterthe date of the accident if you are unable to work. If you arestill unable to work after the three year anniversary of youraccident, you may have an additional claim for wage lossagainst the other driver and owner of the car or motorcyclethat caused the accident. If you caused the accident, you canonly receive this benefit for the three year period.

What if I lost my job due to the injuries from theaccident?

If you lost your job due to injuries from the accident, theinsurance company is required to pay your wage loss benefitseven if you are no longer disabled as long as you are tryingto find new work after your disability has ended.


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What if I can only work part-time due to the injuries fromthe accident?

The insurance company is required to pay you the differencebetween what you were earning before the accident and whatyou are earning after the accident.

How do I file my claim?

The claim must be submitted to the insurance adjusterassigned to your claim.

What type of documentation do I need?

You need a note from your doctor (usually an AttendingPhysician’s Form) that disables you from working. You alsoneed a wage verification form from your employer to submitto the insurance adjuster. A form for submitting this type ofclaim can be downloaded and printed for free fromwww.BuckfireLaw.com.

How much time do I have to file my claim?

You should submit your claim for wage loss benefits everythirty days, but claims for wage loss claims can be submittedup to within one year of the date of your disability.

What do I do if the insurance company refuses to paythese benefits?

If your insurance company refuses to pay these benefits, youronly recourse is to file a lawsuit against the insurance


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company that demands payment for the wage loss benefits.

How much time do you have to file your lawsuit?

If the claims are presented within one year but are not paid bythe insurance company within one year of the date of expenseor claim, it will be necessary to start a lawsuit within that oneyear period in order to protect your claim. If you choose tobegin a lawsuit against your insurance company for No-Faultbenefits, you must file a lawsuit within ONE YEAR of the dateon which the last unpaid No-Fault benefit was incurred. Ifyou fail to file your lawsuit within this one year period, youwill lose the right to have the benefit or expense paid.



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Type of Benefit:Medical Bills, Prescription Costs, and

Other Expenses

What is it for?

All medical bills that are reasonable and necessary andrelated to your accident are covered by the no-fault insurancecompany. These medical bills include, but are not limited to,hospital bills, doctor bills, physical therapy bills,prescriptions, ambulance bills, medical appliances suchas a wheel chair, walker, back brace, and transportationexpenses, etc. for your medical appointments.





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Other Expenses

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Other Expenses

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Other Expenses

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How much can I get?

There is no limit on the amount of money that the no-faultinsurance company must pay for accident related medicaltreatment. The only limitation is that the medical bills mustbe reasonable and necessary for your care, recovery, andrehabilitation. For example, a young man who is seriouslyinjured in a motorcycle/car accident may require medical carethat costs millions of dollars. The no-fault insurance companyis responsible for paying for these bills.

How long can I get them for?

The medical bill coverage is a lifetime benefit. There is nolimit into the future on how long this coverage will last. Forexample, the young man who was seriously injured in theaccident in the example mentioned above is entitled toreceive coverage for his medical bills, related to the accident,for the rest of his life.

How do I file my claims?



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Awritten medical bill must be sent to the insurance company.Many times, the insurance company may also requestmedical records for the bills and also may request that thebills be submitted in a certain format.

How much time do I have to file my claims?

You should submit your claim for medical bills every thirtydays, but claims for medical bills can be submitted up towithin one year of the date of the service.

What if I have health insurance? Who is responsible forpaying my bills?

It depends on what type of no-fault coverage is available toyou. If the no-fault insurance policy available to you hascoordinated medical coverage, your health insurance isresponsible for paying your medical bills, and the no-faultinsurance company will cover your bills that are not coveredby your health insurance, including co-pays and deductibles.For example, if your health insurance policy providescoverage for 20 physical therapy visits per year, and yourdoctor has recommended that you receive 30 physical therapyvisits for treatment for your injuries from the accident, theNo-Fault insurance company would be required to pay forthe ten physical therapy visits not covered by your healthinsurance.

WARNING: If you are covered by an HMO health insurancepolicy, and the no-fault insurance policy has coordinated


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medical coverage, you are required to seek treatment fromdoctors within your HMO plan. If you seek treatment outsideof your HMO plan, the no-fault insurance company may notcover your medical bills.

If the no-fault insurance policy available to you hasuncoordinated medical coverage, the No-Fault insurancecompany is primary and is required to pay for all of yourmedical bills, even if you have health insurance. Therefore,if you have this type of coverage, you can see any doctor thatyou want to, even if the doctor is not part of your healthinsurance plan.

WE STRONGLY RECOMMEND THAT YOUCONSULT WITH AN ATTORNEY IMMEDIATELYAFTER THE ACCIDENT TO REVIEW YOURSITUATION TO SEE WHAT TYPE OF NO-FAULTMEDICALCOVERAGE IS AVAILABLE TOYOU.


If your insurance company refuses to pay these benefits, youronly recourse is to file a lawsuit against the company thatdemands payment for the medical bills.

If the claims are presented within one year but are not paid bythe insurance company within one year of the date of expenseor claim, it will be necessary to start a lawsuit within that oneyear period in order to protect your claim. If you choose tobegin a lawsuit against your insurance company for No-Faultbenefits, you must file a lawsuit within ONE YEAR of the date


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on which the last unpaid No-Fault benefit was incurred.If you fail to file your lawsuit within this one year period,you will lose the right to have the benefit or expense paid.



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Type of Benefit:In-Home Nursing Care/Attendant Care

What is it for?

In home nursing care /attendant care benefits are actually apart of the medical benefits that you are entitled to receiveunder the No-Fault laws. These benefits are paid to have aperson attend to your personal needs while you recover fromyour injuries. These services include assisting you withtoileting, showering, feeding, and medications, and even justbeing with you and supervising you during your recovery.The person can be a family member, friend, nurse or someonefrom a nursing agency.





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How much can I get to pay for nursing care?

The dollar amount paid for these services depends on thelevel of care and supervision being provided. Ranges aretypically from $12.00 per hour to $25.00 per hour. Higherrates are paid in cases involving brain injuries, spinal cordinjuries, and other serious injuries that require the mostassistance.

How many hours a day can I get it for?

This depends on how many hours a day that your doctorbelieves that you need these services. In many cases, the rateis paid twenty-four hours a day. Even though you sleepseveral hours each day, you may still need someone to behome with you in the case of an emergency or even to assistyou in going to the bathroom if you awaken in the middle ofthe night.


Like other medical expense benefits, you can receive this forthe rest of your life if it is necessary. Your doctor will tellthe insurance company how long you need to have theservices provided to you.


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A written claim must be submitted to the insurance adjusterassigned to your claim.


Again, you need a prescription from your doctor for theseservices. Additionally, you will need to submit a claimspecifying the services being provided, the amount of hoursper day the services are being provided, and the name of theperson providing the attendant care. A sample form forsubmitting this type of claim can also be downloaded andprinted for free from www.BuckfireLaw.com.


You should send in your claims for attendant care servicesevery thirty days, but claims for attendant care services canbe submitted up to within one year of the date of service.


If your insurance company refuses to pay these benefits, youronly recourse is to file a lawsuit against the insurancecompany that demands payment for the services.

How much time do I have to file my lawsuit?

If the claims are presented within one year but are not paid bythe insurance company within one year of the date of expense


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or claim, it will be necessary to start a lawsuit within that oneyear period in order to protect your claim. If you choose tobegin a lawsuit against your insurance company for No-Faultbenefits, you must file a lawsuit within ONE YEAR of the dateon which the last unpaid No-Fault benefit was incurred. Ifyou fail to file your lawsuit within this one year period, youwill lose the right to have the benefit or expense paid.



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Type of Benefit:Household Chores/Replacement Services

What is it for?

Replacement service benefits are payments for servicesperformed around your home that you used to do but cannotdo because of injuries from the accident. These servicesinclude but are not limited to cooking, vacuuming, dusting,cleaning, laundry, cutting the grass, shoveling the snow, andeven taking out the garbage. The person providing theservices can be a family member, friend, or someone that youhire to help you.





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How much can I get to pay for household help?

You can receive up to $20.00 a day for these services. Thisamounts to $600.00 each month during your recovery.


You are entitled to these benefits for up to the first three yearsafter the date of the accident if you are unable to perform theservices yourself.




Again, you need a prescription from your doctor for theseservices, a list of the services performed, and the name of theperson performing the household chores. A form forsubmitting this type of claim can be downloaded and printedfor free from www.BuckfireLaw.com.


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You should submit your claim for replacement services everythirty days, but claims for replacement services can besubmitted up to within one year of the date of the service.


If your insurance company refuses to pay these benefits, youronly recourse is to file a lawsuit against the company thatdemands payment for the benefits.





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Type of Benefit:Case Management Services

What are they?

Case Management Services are actually a part of the medicalbenefits that you are entitled to receive under the No-Faultlaws. Case managers, typically nurses or vocationalrehabilitation counselors, play a very important role inhelping injured persons with their road to recovery. Theyoften help the patient do the following:

• Coordinating medical care with multiple doctors andclinics• Finding the best medical specialists for a patient’s needs• Scheduling doctor’s appointments• Helping the patient with home modifications, such asramps• Helping the patient obtain necessary medicalappliances, like wheelchairs and hospital beds• Communicating with the insurance company on behalfof the patient• Other services to assist the client with his or her care,recovery, and rehabilitation.


You are entitled to receive these benefits under Michigan law,regardless of fault, if you were injured in a motorcycleaccident that arose out of the ownership, operation,maintenance or use of an automobile as an automobile, such


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as a car or truck. The primary pre-requisite is that themotorcycle accident must “involve” an automobile.



How much money can I receive for case managementservices?

There is no limit on the amount of case management servicesthat you can receive. The only limitation is that the casemanagement services must be reasonable and necessary foryour care, recovery, and rehabilitation.


Like other medical benefits, you can receive this service forthe rest of your life if it is necessary.


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Usually, case managers will send their reports and billsdirectly to the insurance adjuster.


You should send in your claims for case management servicesevery thirty days, but claims for case management servicescan be submitted up to within one year of the date of service.




If the claims are presented within one year but are not paid bythe insurance company within one year of the date of expenseor claim, it will be necessary to start a lawsuit within that oneyear period in order to protect your claim. If you choose tobegin a lawsuit against your insurance company for No-Faultbenefits, you must file a lawsuit within ONE YEAR of the dateon which the last unpaid No-Fault benefit was incurred. If


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you fail to file your lawsuit within this one year period, youwill lose the right to have the benefit or expense paid.



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Type of Benefit:Home Modifications and Accommodations

What is it for?

Home modification benefits are paid when the injured personcannot comfortably live in his or her current home or apartmentbecause of physical limitations caused by injuries from theaccident. The insurance company is required to pay forremodeling for items such as handicapped ramps, additionalrooms, wider doorways, and even bathrooms and showers tomake it easier for an injured person to live in the home.





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How much can I get for home modifications?

The dollar amount paid for these services depends on the typeof disability and the special needs of the injured person.Typically, an architect or contractor works alongside themedical provider to design the most appropriate changes forthe home. There is no limit on the amount as long as it isreasonable and necessary.

What if I rent an apartment or live with a family memberor friend?

You are still entitled to have this remodeling done if you livein an apartment or live with someone else. If you live in anapartment, the insurance company may be required toremodel your apartment or may have to find a better placefor you to live that is equipped with accommodations to meetyour needs. The insurance company may be required to payfor this residence in full or in part.




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You need a prescription from your doctor or a report from anoccupational therapist for these modifications and areasonable plan for the remodeling. You may need to enterinto a contract with a construction company for the neededremodeling.


You should submit your claim these expenses once it hasbeen determined by a doctor that it is necessary and you havea contract for the necessary remodeling work.


If your insurance company refuses to pay these benefits, youronly recourse is to file a lawsuit against the company thatdemands payment for the expenses.


If the claims are presentedwithin one year but are not paid by theinsurance company within one year of the date of expense orclaim, it will be necessary to start a lawsuit within that one yearperiod in order to protect your claim. If you choose to begin alawsuit against your insurance company for No-Faultbenefits, you must file a lawsuit within ONE YEAR of thedate onwhich the last unpaidNo-Fault benefit was incurred.If you fail to file your lawsuit within this one year period, youwill lose the right to have the benefit or expense paid.


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Type of Benefit:Medical Mileage

What is it for?

This is to reimburse you for your mileage expenses to andfrom your medical appointments.






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How much can I get?

You are entitled to a reasonable rate per mile.


You are entitled to these benefits as long as you need to getto and from your medical appointments to be treated for theinjuries that you suffered in the accident.




You need to make a list of the days that you attendedappointments, the name and address of the doctor or clinic,and the distance to and from your home. A form forsubmitting this type of claim can be downloaded and printedfor free from www.BuckfireLaw.com.


You should submit your claim for mileage expenses everythirty days, but claims for mileage expenses can be submittedup to within one year of the date of the medical appointment.


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If your insurance company refuses to pay these benefits, youronly recourse is to file a lawsuit against the company thatdemands payment for the expense.




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Type of Benefit:Special Transportation

What is it for?

This is for a van or specially equipped van or vehicle to takeyou to and from your medical appointments. This is oftenrequired for persons in wheelchairs or other equipment thatrequires special transportation.






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How much can I get?

The insurance company must pay the reasonable cost for thistransportation.






You need to submit the invoice or bill from the transportationcompany and a prescription from your doctor for this type ofservice.


You should submit your claim for special transportationservices every thirty days, but claims for transportationservices can be submitted up to within one year of the date ofservice.


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If your insurance company refuses to pay these benefits, youronly recourse is to file a lawsuit against the company thatdemands payment for the services.





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Type of Benefit:Survivorʼs Loss Benefits

What is it for?

If your husband, wife, or a relative who you are dependentupon, dies as a result of injuries from an accident, you maybe entitled to receive survivor loss benefits. These benefitsinclude money from the No-Fault insurance company for lossof their financial support and loss of household services, aswell as payment for a portion of the funeral bill.


Family members are entitled to receive these benefits underMichigan law, regardless of fault, if their family member, forwhom they were dependent upon, died in a motorcycleaccident that arose out of the ownership, operation,maintenance or use of an automobile as an automobile. Theprimary pre-requisite is that the motorcycle accident must“involve” an automobile.

Also, if the deceased family member, for whom they aredependent upon, was driving his or her own motorcycle, themotorcycle must have been insured in order to receive thesebenefits, by having basic motorcycle liability insurance,commonly known as Personal Liability and Property Damage(PLPD) insurance. Even if the motorcycle was not properlyinsured, family members may be entitled to pursue otherclaims from the accident.


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Due to the complicated laws in Michigan regardingmotorcycle accidents, we suggest that family memberscontact an experienced motorcycle accident attorney as soonas possible after an accident to determine what claims theymay be entitled to pursue under the law.

How much can I get?

The maximum monthly amount payable for survivor lossbenefits changes every year. To find out the maximummonthly amount and how much you can receive in benefits,please call our office at 1-800-606-1717 or visit our websiteat www.BuckfireLaw.com.


You are entitled to receive survivor loss benefits for the firstthree years following the accident.




You will be required to submit a copy of the death certificate,as well as a copy of the funeral bill. Additionally, you will berequired to present written proof of the loss of financialsupport and household services.


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You should submit your claim for survivor loss benefits assoon as possible following the accident, but claims forsurvivor loss benefits can be submitted up to within one yearof the date of the accident.

I STRONGLY RECOMMEND THAT YOU CONSULTWITH AN ATTORNEY IMMEDIATELY AFTER THEACCIDENT TO REVIEW YOUR CLAIMS FORSURVIVOR LOSS BENEFITS TO MAKE SURE THATTHE PROPER DOCUMENTS ARE SUBMITTED ANDTHAT YOU ARE CLAIMING EVERYTHING THATYOUAREENTITLEDTORECEIVEUNDERTHELAW


If your insurance company refuses to pay these benefits, youronly recourse is to file a lawsuit against the companydemanding payment for the survivor loss benefits.




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Free Newsletters from Our Law FirmOur law firm publishes a legal newsletter on important legalmatters that may affect you and your family. The newsletter is veryinteresting and contains topics that are written specifically for ourclients. It is written in the same easy to understand language asthis book and it is not the same boring newsletter that you mightsee from other law firms.

We publish the newsletter four times a year and will gladly send itto you for free and without any obligation whatsoever. Tosubscribe, simply copy this page and complete the form. You canfax it to us at 248-569-6737. Also, you can e-mail me [email protected] to request our free newsletters orsubscribe at www.FreeLegalNewsletter.com.

We also send out important legal news updates through e-mailseveral times a year. We are also happy to send these to you freeof charge. If you would like to receive these, please send us an e-mail to [email protected] and we will include you in all futurelegal updates.

We do not share our mailing list or e-mail lists with anyone else.If you change your mind after you subscribe and no longer wish toreceive it, just let us know and we will stop sending them to you.

Please give me a free subscription to your firm newsletter.Name:_______________________________________________Address:__________________________________________________________________________________________________City: ___________________State:________________________Zip:_________________________________________________E-mail Address: _______________________________________


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Ten Secrets That Your Insurance CompanyWill Not Tell You About Your No-Fault

Benefits

We have written a Free Report that tells you important secretsthat your auto insurance company will not tell you about yourbenefits. Not knowing these secrets can cost you manythousands of dollars in benefits.

We will gladly send you this Free Report if you ask for it.Simply copy this page and fax it to us at 248-569-6737.Also,you can e-mail me at [email protected] to requestthis Free Report.

We do not share ourmailing list or e-mail lists with anyone else.

Please send me the Top Ten Secrets That Your InsuranceCompany Will Not Tell You About Your No-FaultBenefits.

Name:___________________________________________

Address:_________________________________________

________________________________________________

City: _____________________State:__________________

Zip:_______________________

E-mailAddress: ___________________________________


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Benefits





Name:___________________________________________

Address:_________________________________________

________________________________________________

City: _____________________State:__________________

Zip:_______________________

E-mailAddress: ___________________________________


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Benefits





Name:___________________________________________

Address:_________________________________________

________________________________________________

City: _____________________State:__________________

Zip:_______________________

E-mailAddress: ___________________________________


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Benefits





Name:___________________________________________

Address:_________________________________________

________________________________________________

City: _____________________State:__________________

Zip:_______________________

E-mailAddress: ___________________________________


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The Michigan Motorcycle Insurance Report

90% of bikers purchase the wrong motorcycle insurance. Are youone of them?

Warning: Read This Report Before You Take YourMotorcycle on Michigan Streets and Highways

Our FREE Report written by Michigan motorcycle accident lawyerDaniel L. Buckfire explains the need to purchase the proper types ofmotorcycle insurance and why you must have them. Our 8 page reportreveals:

• Why asking your agent for “Full Coverage” is not enough• Why you must buy PL/PD coverage• Why you should buy Medical Payment Coverage• Why you must buy Uninsured Motorists Coverage• Why you must buy Underinsured Motorists Coverage• How buying the wrong coverage cost our client $500,000.00

We will gladly send you this FREE Report if you ask for it. Simply copythis page and fax it to us at (248) 569-6737. Also you can request it bycompleting the request form located atwww.FreeMotorcycleReport.com.

We do not share our mailing list or e-mail lists with anyone else.

Please send me The Michigan Motorcycle Insurance Report for free.

Name:_____________________________________________________

Address:___________________________________________________

__________________________________________________________

City: _______________________________State:__________________

Zip:_______________________________________________________

E-mailAddress: _____________________________________________

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Name:_____________________________________________________

Address:___________________________________________________

__________________________________________________________

City: _______________________________State:__________________

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E-mailAddress: _____________________________________________

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Name:_____________________________________________________

Address:___________________________________________________

__________________________________________________________

City: _______________________________State:__________________

Zip:_______________________________________________________

E-mailAddress: _____________________________________________

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Name:_____________________________________________________

Address:___________________________________________________

__________________________________________________________

City: _______________________________State:__________________

Zip:_______________________________________________________

E-mailAddress: _____________________________________________

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