Lower Costs, Higher Risks What You Need to Know About the New Auto-Reform Bill Better Call Paul l P Your Personal General Counsel n l
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July 2019
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Though it’s not the main area of practice at our firm, we realize how important it is to stay on top of any news regarding your personal safety. At the end of May, Governor Gretchen Whitmer signed into law a new bill called the No-Fault reform plan. While this bill seems like a win for everybody involved, there are some caveats we want our clients to know about. By staying informed, you can save yourself a world of trouble in the event you get injured in a car accident. Car accidents are one of the top causes of injury and death in Michigan, so having proper coverage is more important than ever. At face value, when this bill goes into effect on July 2, 2020, it will lower the insurance rates for our state’s drivers. But when you look closer, it can have some serious consequences. While these changes won’t be felt immediately, you shouldn’t wait until the last minute to plan your best course of action. Here is a basic overview of what is set to take place, so you can prepare accordingly. With these lower rates, you will also have the option to get greatly decreased amounts of personal injury protection. When the law goes into effect, we will see a mandatory 10% rate decrease and a set fee schedule for medical rates, with a three- year phase-in period. Again, this is all very new and subject to some tweaking, but remember that cheaper isn’t always better when it comes to risking your livelihood on our roadways. If you’ve never been involved in a serious accident, you may not realize just how expensive your medical bills can be. These expenses can have profound and devastating effects on every part of your life, making it vital to spend those extra few dollars a month to have a comfortable insurance plan to fall back on if you sustain serious injuries in a car accident. Before this bill, Michigan had one of the more progressive insurance policies in
the country. There were many benefits in the event of injury due to an accident, regardless of whether or not it was your fault. There were programs in place to make up for lost wages, provide unlimited medical care, and even have people come and clean your home while you were busy getting your life back on track! Without these possibilities, you may be shocked by the outcome if you don’t have the proper amount of coverage. In the insurance world, 10 extra dollars a month could end up being the difference between thousands of dollars in coverage. Unlimited coverage will still be available, but it will not be required by law. The numbers break down like this: By choosing a $500,000 PIP, you will save about $240 a year. Choosing a $250,000 PIP coverage will reduce your yearly rates by about $420 a year. If you feel you don’t need it, then your $50,000 option will result in savings of about $540 per year. It’s important for you to sit down with your family and talk about how much you can spend on insurance. When choosing your PIP coverage, drivers should
check if their health insurance covers disability, which is a factor that must be considered when picking your level of coverage. Saving a little money every month isn’t going to do you a lot of good when the bills start piling up. Here at Paul Tafelski P.C., we care about what happens to our clients. For all your legal questions and concerns, from auto accidents to divorce proceedings, feel free to reach out to us at 248-451-2200 or visit our website at TafelskiLaw.com. If we can’t help you, we’ll point you in the direction of someone who can. In other exciting news, we’re proud to announce that David Goukassian has joined the firm as an associate attorney. He practices in the areas of criminal defense, personal injury, family law, and more. David is fluent in Armenian and is passionate about being a great lawyer. We look forward to working with him.
-Paul J. Tafel ski
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3 FAMOUS UFO SIGHTINGS (BESIDES ROSWELL) Did You See That?
Going stargazing this summer? Be sure to keep your eyes out for unidentified flying objects (UFOs)! July 2 is World UFO Day, commemorating the supposed UFO crash that took place in 1974 in Roswell, New Mexico. Everyone knows about the strange things that happened in Roswell, but let’s look at a few lesser-known, but no less strange, UFO sightings.
object giving off lights and still moving. The object was gone when police arrived, but they found unusual markings at the site. A few days later, more servicemen went into the forest where they spotted three mysterious bright lights in the sky that shone for hours.
EAST COAST GO FAST VIDEO
THE FIRST FLYING SAUCER
In 2015, a U.S. Navy Boeing F/A-18F Super Hornet strike fighter captured video of a bizarre, fast-moving object that had no visible wings and emitted no heat or no exhaust trail. The video, which can be viewed at COI.ToTheStarsAcademy. com/2015-go-fast-footage, shows the object in the fighter’s targeting system. The pilot and the weapon systems officer can be heard shouting and asking, “What is that, man?”The video leaked in 2017 along with news of the Advanced Aviation Threat Identification Program (AATIP), a secret U.S. government organization investigating UFOs. Most UFO sightings have rational explanations. Even the famous Roswell Incident was proven to be debris from a surveillance program the U.S. military used to spy on the Soviet Union. But there’s something to be said about how a UFO sighting makes us look up at the night sky and wonder if we’re not alone.
On June 24, 1947, civilian pilot Kenneth Arnold was flying his plane near Mount Rainier in Washington when he reported seeing nine blue, glowing objects flying in a V formation at around 1,700 mph. Arnold would later describe the crafts’motions like “a saucer if you skip it across water.”The government confirmed there were no aircraft tests in the area that day. In the following weeks, other sightings of Arnold’s flying saucers would crop up across the region.
THE RENDLESHAM FOREST INCIDENT
Things got weird at a Royal Air Force military base in England on Dec. 26, 1980. At around 3 a.m., two Air Force members saw odd lights falling into the nearby Rendlesham Forest. They reported finding a metallic
Gone to the Dogs HOW CAN A THIEF SUE THE FAMILY HE ROBBED?
Have you heard the story of Terrence Dickson? Even if you don’t know the name, you might have heard his strange tale. Dickson was a burglar in Bucks County, Pennsylvania. One day, after breaking into a house and helping himself to some valuables, Dickson decided to leave through the garage. After discovering the automatic garage door was stuck closed, Dickson turned around and was horrified to realize he’d locked himself inside. To make matters worse, the family he was stealing from had just left for an extended vacation, so Dickson lived off of soda and dried dog food for eight days. When the family returned and found the unlucky burglar, a lawsuit was filed — by Dickson! He sued for mental anguish, and the jury awarded him $500,000. There’s nothing that shakes our faith in the justice system quite like injustice being served. When Dickson’s story first gained notoriety in 2001, thanks to an email circulated by the now-defunct Stella Awards newsletter, which highlighted “outrageous lawsuits,” people were rightfully enraged. There was just one problem: Terrence Dickson never existed. In 2002, a reporter from Pennsylvania contacted the Bucks County prothonotary’s office, where all records for civil cases in the county are kept. He discovered there was no record of any cases involving such a burglar. It’s worth noting the original email where this story
first appeared ended with a call for tort reform from a made-up law firm in Ohio. Likely, this hoax was an attempt to manipulate the public perception of the justice system. Despite being debunked 17 years ago, this tall tale still makes the rounds and often appears on lists of “outrageous lawsuits,”many of which are featured on the websites of legitimate law firms! There are plenty of wacky legal cases, but when a story is too ridiculous, there’s a good chance a few important details are being left out or the readers are being lied to. Don’t believe everything you read online!
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TAKE A BREAK
BEWARE THESE RETIREMENT
SPENDING MISTAKES
Common Financial Pitfalls
The bulk of retirement planning is spent discussing how you will save money in the years leading up to the end of your career, but that’s only half of the picture. Once you enter retirement, your focus shifts to the smartest way to divest your money for both your own enjoyment and your continued financial security. There are countless ways to wisely spend your nest egg, such as taking trips, providing for the education of your grandchildren, and more. However, this article isn’t about good ideas. Instead, let’s talk about some of the worst ways to spend your retirement funds. The appeal of a timeshare seems obvious. It’s a space of your own for a few weeks of the year, and you get to enjoy a nice change of pace from your regular environment. The problem is that these properties are full of hidden costs and have been outpaced by other vacationing options. In a world where you can book an Airbnb with just a few clicks, timeshares are poised to become a relic of a past age. Hackers and cyberscammers love to prey on the elderly. As gross as it may sound, they know that older generations tend to be less tech savvy than their younger counterparts. You should be wary of online offers that look too good to be true. If you have even the slightest doubt, have a loved one take a look at the offer to ensure you’re not being scammed. Never provide your private financial data to a source you don’t absolutely trust. TIMESHARES ONLINE SCAMS
JUICY LUCY SLIDERS
Inspired by Bon Appétit Magazine
Ingredients
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2 lbs. ground chuck beef, 20% lean 8 slices melting cheese (like American, Swiss, Muenster, or cheddar)
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16 small potato rolls, toasted
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Salt and pepper, to taste
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Your favorite burger accompaniments
TCHOTCHKES
Directions
Many of us have walked into the house of an older relative to find a room full of American Girl dolls or a display case of Candlewick glassware. Collecting can be a rewarding hobby when done in moderation, but amassing junk simply for its own sake is a waste of money and space. Make sure you’re acquiring objects because you truly want to treasure them.
1. Divide beef into 16 evenly sized balls. 2. Rip cheese into roughly equal pieces, creating 16 equal portions. 3. Using your index finger, create a small indentation in each ball. 4. Fill indention with cheese and pinch meat around to seal. Then gently form balls into 3/4-inch-thick patties. Season patties. 5. Meanwhile, heat a cast-iron skillet to medium-high. 6. Lightly coat skillet with oil and cook patties in batches. Brown one side undisturbed, about 3 minutes. Carefully flip and cook until desired doneness, about 3 minutes for medium. 7. Serve on toasted potato rolls with your favorite accompaniments.
RUSHED RELOCATIONS
In general, real estate-based purchases can be extremely beneficial for retirees. The exception to this rule is a spur-of-the-moment relocation in order to be closer to your family or a retirement community. Because real estate transactions are so expensive, it’s best to approach them with extreme care and due diligence.
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INSIDE THIS ISSUE
1
The No-Fault Reform Plan & Michigan Drivers
Juicy Lucy Sliders The Worst Retirement Spending Decisions Going Stargazing? Watch Out for UFOs! Did You Hear About the Dog Food Burglar?
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The Madden Curse
ON THE TRAIL OF THE MADDEN CURSE Truth, Lies, and Superstition
There is no urban legend in the world of modern video games as well-documented as the so-called “Madden Curse.”The curse revolves around the highly sought-after cover spot of the popular NFL video game “Madden NFL,” formerly known as “John Madden Football.”While the games date back to 1988, the curse is said to originate with the 1999 version. Garrison Hearst, a popular running back at the time, broke his ankle shortly after being featured on the cover of the 1999 edition. This was the first in a long line of injuries and personal issues that resulted in the rumor gaining traction. Soon, the idea
as coincidence. Despite the ambivalence of many players, there does seem to be a correlation between the cover and player issues. Of the 22 players who have been featured on the cover, 16 of them have suffered from significant issues in the season that followed. While the causes varied, with severe injuries, contract disputes, and personal issues all afflicting different players, something about the spotlight appears to have disturbed the powers that be. In fact, sometimes these issues occur shortly after the game is released in stores.
that the game’s seemingly innocent cover could have devastating effects on a player’s career was widespread. Once a substantial honor in the world of football, the Madden cover spot has become one of the sport’s most feared superstitions for fans.
Whatever the true cause, the curse seems to have taken a dip in recent years. Only one of the last five players has been affected, a stat that bodes well for this year’s star: Kansas City Chiefs quarterback Patrick Mahomes. The real answer probably lies somewhere between fact and fiction. The increased pressure of national attention is bound to make players tense up every once in a while, and in a game as physical as football, any distraction can end in disaster.
The players, however, seem to find the correlation more amusing than scary. Most of the athletes in contention for the spot still consider it to be a great honor, choosing to brush off the rumors
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