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no fault car insurance

Does Your Car Insurance Policy Give You the Right Coverage?

By Lipton Law on October 12, 2011 - No comments

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.