Ruby, MI Personal Injury Law Firms & Lawyers

Yes, especially when the policy is renewed, which is usually every year. Whether they can change it in the middle of a policy period depends on the language contained in the policy. For example, many policies probably contain provisions allowing them to raise your rate during the policy period if you are convicted of a traffic violation.

The statute of limitations in Michigan on a third-party automobile accident claim (which sounds like the lawsuit you describe) is three years, not four years. But to answer your question, her claim for continued pain and suffering might be valid - I certainly have clients who continue to suffer for many years after a crash - but it all depends on whether she had preexisting conditions and what happened in the crash, i.e. what injuries she suffered. But if this is a Michigan case, based on what you describe it sounds to me like she filed the case well past the statute of limitations. In any event, if you have not turned this matter over to your insurance carrier - the one you had in effect at the time of the crash - you should do so immediately so you don't run any further risk of voiding coverage for not having turned the matter over to the carrier promptly.

Absolutely, a doctor, or anyone else, may ask you any questions they wish. You do not necessarily have to enter them. In this case, if it was your personal physician who asked the question it is most probably because they wanted to help you. If, on the other hand, the physician was the company's doctor it is possible that he was trying to determine whether or not your ranger he was actually work related.