In an effort to help Michiganders understand no-fault benefits, we will be posting a 5-part blog series in which we will be providing valuable information concerning no-fault insurance basics, benefits, denials, and limits. Today’s blog discusses the basics of no-fault insurance claims in Michigan.
Michigan law requires motor vehicle drivers to carry no-fault auto insurance. This insurance helps pay for the costs of an accident, such as medical bills and lost wages, that result from any injuries suffered in the accident. The required no-fault coverage, however, does not cover vehicle damage. Drivers who want or need additional coverage to repair or replace a damaged vehicle need to purchase comprehensive and/or collision coverage in addition to the required no-fault insurance.
Insurance companies in Michigan offer several alternatives for drivers to choose from when purchasing coverage above the no-fault requirement. For instance, drivers may purchase damage insurance to cover repairs and replacements after a crash, known as “collision” coverage, or damage caused by deer, weather, tree limbs, or other events, known as “comprehensive” coverage. Drivers can also purchase limited property damage liability insurance to cover them in the case a “mini-tort” suit for damage, and uninsured motorist insurance to cover costs in case the other driver in a crash has decided to risk driving without insurance.
Michigan no-fault insurance covers certain basics, but not others. If you need help dealing with a no-fault auto insurance claim, the experienced no-fault insurance claims attorneys in Southfield at Lipton Law can help. For a free consultation, call us today at 248-557-1688.