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Michigan No-Fault Insurance Series, Part 4: Types of Benefits

By Lipton Law on September 20, 2011 - No comments

This post is part four in a five-part series published by Lipton Law, a Southfield no-fault insurance law firm that hopes to raise awareness and understanding about no-fault benefits. This post discusses the types of services and other losses that may be covered by a Michigan no-fault insurance policy.

Michigan no-fault insurance benefits are intended to cover personal injury losses when someone is injured in a vehicle-related accident in Michigan. The benefits are available not only for victims of car crashes, but also those who suffer injuries in bicycle or pedestrian accidents and passengers in motor vehicles. And the benefits available pay for much more than the initial medical expenses of the crash itself.

When a car accident causes injury, it’s easy to assume that the “medical bills” paid by no-fault insurance cover acute needs, like ambulances and emergency surgery. No-fault insurance does cover these acute needs. However, no-fault benefits are also available for the long-term medical needs a person may suffer if a car crash injury causes permanent injury. These include payments for:

  • Attendants, such as home health aides;
  • Case management services, so injured persons can focus on recovery and leave the paperwork to a case manager;
  • Hospital, follow-up care, therapy, prescription drug, and equipment benefits;
  • Payments to modify a home or vehicle so a disabled person can move around;
  • Medical mileage payments to cover the cost of traveling to and from medical appointments;
  • Household chores and replacement services, like mowing the lawn or cleaning;
  • Wage and income loss payments; and
  • Survivor’s benefits for those who lose a loved one in a crash.

In order to have the best possible recovery after an accident, it’s important to receive the full amount of no-fault benefits to which you are entitled. At Lipton Law, our experienced no-fault benefits lawyers in Southfield can help you ensure you are receiving all the benefits your premiums have paid for, giving you the chance to focus on moving forward after an accident. To discuss your legal rights and options and find out how we can help, call Lipton Law today at 248-577-1688 for a free consultation.

 

Michigan No-Fault Insurance Series, Part 3: The Who, What, and How of No-Fault

By Lipton Law on September 13, 2011 - No comments

In order to help drivers in Michigan understand their no-fault insurance policies better, Lipton Law is providing blog readers with a five-part series on Michigan no-fault insurance benefits. This post, part three of the series, focuses on who may claim benefits, what benefits are available, and how insureds can make certain they receive all the benefits their premiums have paid for.

Michigan “no-fault” auto insurance has this name because, if a driver is in a vehicle accident, the insurer must pay benefits regardless of who caused the accident. The benefits a Michigan driver or vehicle passenger can receive vary depending on the terms of the no-fault policies that may cover each person involved in a crash. Common benefits paid by no-fault insurance include medical bills, prescription drug, and medical equipment bills, costs for home healthcare, and replacement funds for lost wages or incomes.

A no-fault policy covers every member of the driver’s immediate family, even if they are a passenger in another car or are struck by a vehicle while walking or biking. It also covers injury costs of other drivers or passengers in any other vehicle involved in an accident if their own no-fault insurance does not cover them or they have no insurance.

In order to help ensure you receive all the no-fault policy benefits to which you are entitled after a car accident in Michigan, it’s important to file a claim with your insurance company within one year of the accident or injury. Completing paperwork on time is a crucial part of this process. If you are overwhelmed by this process, need help filing a claim, or suspect you are not getting all the benefits to which you are entitled to from your insurance company, seek help from an experienced Michigan no-fault benefits attorney, such as those at Lipton Law. To discuss your case with us, call 248-577-1688 today for a free consultation.

 

Michigan No-Fault Insurance Series, Part 2: Claim Denial

By Lipton Law on September 6, 2011 - No comments

This is the second part in our 5-part blog series that will discuss no-fault insurance in Michigan in further detail. We will be covering important information regarding the benefits of such insurance, the limits of no-fault insurance, what happens when claims are denied, and more. The topic of today’s blog is no-fault insurance claim denials.

Michigan law requires drivers to carry no-fault auto insurance in order to help pay medical bills and other expenses if someone is injured in a car crash. Even when a driver is covered by no-fault insurance benefits they have paid for, however, it may happen that the insurance company will misstate the amount or types of coverage or will refuse to pay the bills for services already received, like emergency medical care. When this happens, it can add unneeded worry to an already stressful situation. It can also delay or prevent necessary medical care, putting you at risk for ongoing medical problems.

To protect yourself and to receive the no-fault insurance benefits to which you’re entitled, it’s important to get insurance information in writing. Do not sign any agreement with the insurance company until you feel confident that it includes the full amount of benefits to which you’re entitled.

If you’re not sure whether your insurance company is treating you fairly or you feel overwhelmed by the process of getting the no-fault benefits you deserve, please don’t hesitate to call the experienced Michigan no-fault claim denial lawyers at Lipton Law. We will help ensure you receive the benefits you have paid for, giving you the time and space you need to recover after an accident. To learn more, call Lipton Law today at 248-557-1688 for a free and confidential consultation.