Priority of Insurance Policies

Priority Of Insurance Policies After a Michigan Car Accident

Anyone who is involved in an accident in Michigan is entitled to No Fault benefits. The trick is determining the appropriate company to pay those benefits to you. Whether you are a driver, passenger or pedestrian, and even if you are NOT at fault, your Michigan No Fault benefits will be paid by your own auto insurance company. If you do not own a car, the benefits will be paid by the auto insurance of a relative you live with. If you do not live with a relative who has car insurance, the priority shifts depending on whether you were a driver, passenger, pedestrian or on a motorcycle.

It is extremely important that you make a claim for No Fault benefits with the appropriate company. Every owner of a car must buy certain basic coverages in order to get license plates. It is against the law to drive or let your car be driven without no-fault insurance. Your basic no-fault insurance does NOT pay for repairs to your car. This is a very confusing area of the law! We can help you figure out who is the responsible insurer.

Can I be Sued if I Carry No-Fault Insurance?

Michigan No-Fault laws protect insured persons from being sued as a result of an auto accident except in certain special situations. In general, you can only be sued:

• If you cause an accident in Michigan in which someone is killed, seriously injured, or permanently disfigured
• If you are involved in an accident in Michigan with a non-resident who is an occupant of a motor vehicle not registered in Michigan
• If you are involved in an accident in another state
• For up to $1,000 if you are 50% or more at fault in an accident which causes damages to another person’s car which are not covered by insurance

What can and cannot happen with motor vehicle insurance and the No-Fault provisions can become very confusing. Mike Morse Law Firm can help you navigate through your insurance provisions in order to protect your interests.

Involved In A Michigan Car Accident? We Can Help

Contact us for a free consultation and information on how to receive the maximum compensation from Michigan auto accidents or personal injury resulting from a Michigan motor vehicle accident. Mike Morse Law Firm will tell you what the insurance companies won’t.