Find out if you're overpaying for car insurance by comparing. Since we opened our doors in 1996, Sterling has been one of the fastest-growing independent insurance agencies in the country. Located in Sterling Heights, Michigan, Sterling Insurance Group has relationships with more than 100 national insurance companies to provide customers with instant access to the most competitive insurance markets in the industry. Michigan auto insurance law states that the victim of a car accident with coordinated coverage must make “reasonable efforts” to seek payment of medical expenses related to the accident through their health insurance company before the victim's no-fault auto insurance company is required to pay.
Using MoneyGeek's ratings for the best auto insurance providers in Sterling Heights, you can easily find an insurer that offers a balance between affordability and excellent service. MoneyGeek analyzed auto insurance companies in Sterling Heights, based on the level of coverage and the driver's profile, and found that GEICO is the cheapest and most widely available insurer. Coordination of benefits occurs when a person coordinates their health insurance with their car insurance in Michigan so that, in exchange for a reduced auto insurance premium, the person's medical insurance is the primary payer of medical expenses related to a car accident. In the unlikely but possible event that ERISA pays for the medical expenses of a car accident victim with coordinated coverage, ERISA can recover the money it paid by imposing a right of retention on the recovery of civil liability on the victim of a car accident for pain and suffering by a third party of the victim of an auto accident.
An unambiguous benefit coordination clause makes it clear that the ERISA plan will not be the primary payer of medical expenses related to car accidents when coverage is available through a no-fault auto insurance policy in Michigan. This means that the driver's no-fault insurance will pay for all medical care, treatment, and services related to the accident, even if the accident victim's health insurance provider could cover the cost of those benefits. Yes, it can be coordinated as long as your employer's health insurance plan is not a self-funded ERISA plan with an unambiguous benefit coordination clause that clearly states that the plan will not be “principal” for the employee's medical expenses related to an auto accident.