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michigan no fault insurance time limits

Michigan No-Fault Insurance Series, Part 5: No-Fault Benefit Claim Limits

By Lipton Law on September 27, 2011 - No comments

This post is part five in a series on Michigan no-fault insurance benefits, presented by Lipton Law. This series is intended to help Michigan insureds understand no-fault benefits claims.

After a Michigan auto accident, drivers or passengers who are covered by Michigan no-fault insurance have a limited amount of time to file a claim with their insurer. In most cases, that time period is one year from the date of the accident. By this date, the insured must file an Application for No-Fault Benefits with the insurer, or risk losing the chance to use benefits he or she has paid for.

Claims for specific medical bills, lost wages, household services, and other no-fault benefits must be made within one year of the date the insured incurred the expense, or he or she may lose the opportunity to receive reimbursement or benefits to cover those expenses. Similarly, if a no-fault insurance company refuses to pay benefits that the insured believes are covered by the policy, the insured has one year from the date of the refusal to file a claim in court for the benefits. The insurer has thirty days to pay benefits for most claims, or to explain why it is refusing to pay.

One year may sound like plenty of time, but it can go by very quickly, especially when your time and energy is consumed by your need to heal after a serious injury. The experienced Southfield no-fault insurance claim attorneys at Lipton Law can help you ensure your claims are filed and responded to on time, so that you don’t lose the chance to access the benefits you need to recover after a crash. To learn more, call Lipton Law today at 248-557-1688 for a free and confidential consultation.