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Michigan No Fault Benefits
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 Michigan 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, with only one exception. If you are the owner and operator of an uninsured vehicle and involved in an accident, you are unfortunately barred from bringing any claim for benefits.
Michigan No Fault Benefits include:
- Payment for your care, recovery and rehabilitation including medical bills related to the accident
- Wage Loss
- Replacement Services
- Attendant Care
- Medical Mileage
- Survivors Loss Benefits (in cases where there is a fatality)
You must file your claim for No Fault benefits within one year from the date of the accident or you be forever barred from making this claim.
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.
For drivers, passengers and pedestrians who do not own an insured vehicle on the date of the accident, No-Fault benefits will be paid by the automobile insurance carrier of a relative with whom you are living on date of the accident. If there are no relatives in your home with car insurance on the day of the accident No Fault benefits will still be paid, but the company designated to pay will be dependent on your role in the accident, (i.e. driver, passenger, pedestrian.) For drivers or passengers of Motorcycles, an entirely different insurance company priority kicks in.
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 Michigan 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 entitled to payment of medical bills 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 vocational training to assist an injured person.