Michigan No Fault Benefits | No Fault Attorney
Michigan No Fault Benefits Questions
The staff of The Mike Morse Law Firm is always available to answer your questions or clarify any of the answers provided below. Please contact us should you need further assistance.
What are no fault insurance benefits and how do I get them?
No-fault insurance benefits are paid to any Michigan resident who is injured in an accident involving a motor vehicle.
There are basically three benefits: medical, wage loss and replacement services. You obtain these benefits by filing a claim for no-fault benefits with the proper motor vehicle insurance company.
You must file the claim within a year of the accident date or lose the right to receive your no-fault benefits.
Why doesn’t the negligent driver’s insurance company have to pay my medical bills?
In Michigan, we have a priority system as part of the No-Fault Law. It states whenever you are hurt in an accident involving a motor vehicle you look to your own automobile insurance first. This applies even if you are walking, riding a bike or in someone else’s vehicle when the accident occurs.
If you do not own an insured vehicle on the date of the accident, your No-Fault benefits will be paid by the automobile insurance carrier of any relative with whom you are living on date the accident occurs. If you do not live with a relative who has an insured automobile on the day of the accident, your No-Fault benefits will be paid by the owner and/or operator of the vehicle you were in at the time of the accident.
If all else fails and there is no other available auto insurance, the State of Michigan will assign a company to you to fully pay all the benefits you are entitled to. Sound complicated? Call us for a free consultation, we’ll sort it all out for you!
What are medical no fault benefits?
Under Michigan law, if you receive treatment for injuries suffered in an auto accident, you are entitled to have your medical bills paid by a motor vehicle insurance carrier.
The treatment received must be for the injuries suffered as a result of the auto accident and the services and charges must be reasonable and necessary for the treatment of the injury.
Medical benefits are lifetime benefits. You are still entitled to them, even if you change insurance companies after the accident.
What does it mean to have coordinated benefits?
If you paid a lower premium and elected to have your medical benefits coordinated, you agreed to submit your bills to your health insurance carrier first.
Whatever costs are not covered by that insurer will be paid by the motor vehicle insurance company. This area of the law is very complicated. In order to fully understand the law and your rights, please contact us.
Are no fault medical benefits restricted to just medical bills?
No. Medical benefits include round-trip mileage driven for any treatment or medical purpose relating to an accident.
They also include the costs of rehabilitation, accommodations and, possibly, vocational training to assist an injured person.
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When the attorneys at The Mike Morse Law Firm represented me, we were not just a number, we were family. They really cared about what I was going through. I could not have asked for better people to work on my case.
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I think very highly of Mr. Morse’s office & would recommend them to anyone. It starts with the great feeling you get when you come to the office for the very first time & it has continued with the excellent customer service they always provided. I don’t even need to ask questions because the attorneys & paralegals are so on top of their jobs. They have always been there for me. I have a warm & friendly feeling anytime I stop in. It feels like home.
It was a pleasure working with the paralegal that helped me with my case. I didn’t know what to do. Until I started working with The Mike Morse Law Firm, I felt lost trying to handle my claim. The Mike Morse Law Firm helped me get all benefits that I was entitled to.
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I highly recommend Mike Morse’s office to anyone who needs a lawyer. I have enjoyed learning about the law and enjoyed being a client. The staff is great. My last attorney was not great and this firm is a breath of fresh air. I love coming in the door at his office and everyone is so wonderful to deal with. I meet with my attorneys and Mike Morse personally whenever I want. I cannot say enough about how happy I am with this firm.
28 years after my accident I received a letter from The Mike Morse Law Firm with an information brochure. I’m so glad I kept that letter because later on when AAA wrongly suspended my no fault benefits, I immediately contacted Mike. Mr. Morse took my case and did everything he said he would do. Now, more than 28 years after my accident, AAA is paying like they should be, and it’s all because of Mr. Morse’s hard work and expertise.
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