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Michigan No Fault Benefits
Michigan No Fault Benefits Explained
Anyone involved in a motor vehicle accident in Michigan is entitled to Michigan no fault benefits unless they were driving a car that they owned with no insurance. Pedestrians, bicyclists, and even motorcyclists are entitled to Michigan no fault benefits. These Michigan no fault benefits include payment of medical expenses, lost wages, household replacement services, attendant care and mileage reimbursement for travel related to medical care.
How To Receive No Fault Benefits
In order to receive Michigan No Fault Benefits you must complete a written Application for Benefits and submit it to the proper insurance company within one year from the date of the accident. Failure to make a claim with the appropriate insurance company within one year will result in forfeiture of your right to receive these benefits.
Once your claim is made, reasonable proof of benefits must be sent to the proper insurance company within one year of the date the expense was incurred. Again, if this is not done, you will be unable to receive these benefits. This can be a very confusing area of Michigan No Fault law. The legal professionals at The Mike Morse Law Firm can answer your questions anytime, on the phone – by calling 855-MIKE-WINS – or via email.
The law specifically excludes motorcycles from no-fault insurance coverage unless the motorcycle is involved in an accident with a vehicle, or other special situations. There are too many examples to give here, but a free legal consultation will be provided to you. Call us today at 855-MIKE-WINS or email for free answers to all of your questions.
Michigan No Fault Benefits Information
One rule that confuses many people is that even if the accident is not your fault, you still must make a claim against your own insurance company. For more information on priority of Michigan insurance policies, click here.
The Michigan No Fault Law allows a person to obtain all allowable expenses, which is defined as “all reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person’s care, recovery or rehabilitation.” For more information about Michigan No Fault Medical Expense Benefits, click here.
Work loss benefits are payable to an injured person for three years following an accident, covering 85% of the gross lost wages. For more information about Michigan No-Fault Benefits for Lost Wages Or Earnings, click here.
A person may obtain up to $20.00 per day in household replacement services. This is to reimburse friends or family members who may be helping you with household chores such as cooking, cleaning and laundry after an accident. You are only entitled to collect this benefit if a doctor reports you need this assistance as a direct result of the injuries sustained in the accident. Learn more about Michigan No-Fault Benefits for Replacement Services.
Transportation expenses incurred for the purpose of obtaining medical treatment is also a benefit that can be recovered. If you are injured in an auto accident and driving back and forth for medical care for treatment of those injuries, keep track of your round trip miles so you can be reimbursed for medical mileage. Learn more about Michigan No Fault Benefits for Mileage Expenses.
In the event of death, no-fault benefits can be paid to surviving dependents. These benefits include lost wages, replacement services, funeral expenses and payment of medical bills. Learn more about Michigan No Fault Death Benefits.