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michigan no fault insurance

Understanding Basic Michigan No-Fault Insurance Requirements

By Lipton Law on March 22, 2012 - No comments

Michigan is one of several states that requires auto drivers to carry basic no-fault insurance, and also requires motorcyclists to carry insurance. No-fault auto insurance covers medical bills, property damage, and other costs for those who are injured in Michigan car accidents. Some basic types and amounts of insurance are required, although drivers may purchase additional coverage – both in the form of higher limits and different types of coverage – in addition to the required insurance if they prefer.

At a minimum, Michigan drivers must carry coverage for bodily injury, property damage, personal injury protection, and property protection insurance. Bodily injury covers the costs for others who are injured in the accident, while personal injury protection pays the bills of the insured person and any dependents. Property damage and property protection insurance coverage both cover damage to non-vehicle property. For instance, if your car crashes into a fence during an accident, this coverage will pay to replace the fence.

Michigan drivers must carry proof of no-fault auto insurance coverage with them at all times. Most drivers place their proof of insurance in their vehicle, so that it is always available when they drive. If you cannot show proof of insurance, your driver’s license may be suspended until you provide proof of insurance to the Secretary of State.

The experienced Michigan no-fault insurance attorneys at Lipton Law are dedicated to helping those injured in car accidents through every step of the process, from filing an insurance claim to holding any negligent parties accountable in court. For a free and confidential consultation, call our office today at (248) 557-1688.


Car Accident Injuries Can Be Costly, According to NSC Report

By Lipton Law on December 22, 2011 - No comments

The National Safety Council (NSC) estimates that the costs of unintentional injuries due to car accidents in recent years can be staggering, especially for a person or family with few assets. In its report on the costs of unintentional injuries suffered in car accidents, the NSC breaks down the numbers in detail.

In 2009, the NSC estimated that the average car accident involving property damage created $6,300 in costs. Injuries and disabilities suffered by drivers, passengers, or pedestrians averaged $68,100. And the total economic costs of a person who died as the result of a car accident averaged over $1.2 million.

The NSC’s numbers represent more than just the medical bills an injured person faces after a crash. They also include lost wages, the costs of repairing a damaged vehicle, and “administrative expenses”, like the cost of bus fare until a vehicle is fixed. All of these costs, however, affect those who are involved in accidents, making the NSC’s numbers a better approximation of what these accidents cost than merely looking at medical bills alone.

Not all of these bills are paid out of a driver’s pocket in every case. For instance, no-fault insurance in Michigan and other states often pays the medical bills and other expenses associated with a crash. Similarly, a car accident that happens when the driver or passengers are traveling for work purposes may be covered by workers’ compensation insurance in many states.

At Lipton Law, our experienced MI auto accident injury attorneys are dedicated to helping car accident victims and their families seek the compensation they need, whether it’s by negotiating with an insurance company or filing a case in court. For a free and confidential consultation about your injury case, call Lipton Law today at (248) 557-1688.


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.


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.


Michigan’s Motorcycle Helmet Law Saves Lives and Money

By Lipton Law on July 13, 2011 - No comments

Michigan is one of several U.S. states that require motorcycle riders to wear helmets when riding their bike. The National Highway Traffic Safety Association (NHTSA), estimates that motorcycle helmets make the difference between life and death for 37 percent of motorcycle accident victims each year.

Despite helmets’ life-saving abilities, however, opponents of Michigan’s motorcycle helmet law seek to get it repealed nearly every year. What opponents rarely mention is that Michigan’s helmet law does more than save lives. It also saves every vehicle owner in Michigan money on their insurance bill each year.

Michigan’s no-fault car insurance law is one of the most comprehensive in the United States. If a car crash occurs, the drivers’ insurance covers the costs of any injuries suffered in the accident, no matter who is hurt. Insurance must offer lifetime benefits for certain lifelong injuries or permanent disabilities. All car owners are required to carry this insurance, but motorcyclists are not. When a car and a motorcycle crash in Michigan, the car owner’s insurance pays for everyone’s injuries, including the motorcyclists’ injuries. If bikers were allowed to ride without a helmet, the costs of serious injuries in motorcycle accidents would almost certainly increase – and so would insurance premiums.

Drivers or motorcyclists who suffer permanent impairments or disfigurement as well as family members of motorcyclists killed in an accident may be able to seek compensation from the person who caused the crash in order to cover bills that insurance does not cover. If you have been seriously injured in a motorcycle crash in Michigan, please don’t hesitate to call the experienced Southfield motorcycle accident lawyers at Lipton Law, P.C. We will help you seek the compensation you deserve from insurance companies or negligent drivers. Call us today at 248-557-1688 for a free consultation.