Most Michigan car accident costs are covered by the no-fault insurance policies of those involved in the crash. Since no-fault insurance plays such a big role in these all-too-common accidents, it’s important to know whether or not you have sufficient coverage for your needs.
Michigan no-fault insurance law requires drivers to carry at least $20,000 in insurance benefits. These benefits cover the costs of an accident, including medical bills. Michigan law also limits the kind of car accident cases that may be filed in court to the most serious cases of permanent disfigurement, disability, or death.
No-fault insurance benefits typically cover three major categories: personal injury protection (PIP) benefits, property damage protection, and residual liability protection, a “catch-all” that protects drivers against being sued by others involved in the accident. Although coverage in case of an accident with an uninsured or under-insured driver isn’t always included in an automobile insurance policy, it’s wise to consider adding such coverage, especially if you plan to drive in states other than Michigan where auto insurance may not be required.
To help Michigan drivers understand their auto insurance policies and get the coverage they need, experienced Southfield no-fault insurance attorney Jody Lipton is offering a free class at the Community House in Birmingham. The class, called “Crash Course,” will be held on October 18 from 7:00 to 8:30 p.m. For more information, or for a free consultation after a Michigan car accident, contact Lipton Law today at 248-557-1688.
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.