WHAT ARE YOU ENTITLED TO FROM MICHIGAN NO-FAULT INSURANCE BENEFITS?
If you’re a driver in Michigan, you know you are required to have no-fault insurance. It’s been that way since 1973. But do you know what you’re entitled to from the Michigan no-fault insurance benefits if you’re injured in an auto accident? Many people don’t and that’s why the lawyers at the Mike Morse Law Firm – Michigan auto accident experts – are here to help.
Here are the basics of what benefits you can expect:
MEDICAL & REHABILITATION BENEFITS
Michigan no-fault insurance pays your medical costs if you are injured. Oftentimes, these benefits are coordinated with other health insurance policies. Your Michigan auto accident attorney can guide you and make sure you get your full benefits.
PROPERTY DAMAGE COVERAGE
If you happen to damage some property with your insured vehicle, such as a building or fence, your policy can pay for that — within certain parameters. If you hit a properly parked vehicle, your Michigan no-fault auto insurance can also cover that. However, any other vehicular damage would only be covered if you have additional collision coverage.
PAYMENT FOR LOST WAGES
With your Michigan no-fault insurance, 85% of the gross lost wages wages you would have earned had you not been injured in an auto accident are paid for by your insurance company for a three-year period.
Is your injury preventing you from doing housework and maintaining your yard? Your insurance will pay someone to help you — up to $20 a day for replacement services, i.e. things you can no longer do yourself because of your injuries.
SURVIVORS LOSS BENEFITS
In the event of death, your policy can make payments to your family for lost wages and household services for a period of three years. However, these benefits are paid to dependents of the deceased only. There is also a funeral and burial expense benefit that will be paid by the No Fault carrier.
BUT, NO-FAULT DOES NOT COVER*:
- Repairs to your vehicle. Even if it wasn’t your fault.
- Repairs to someone else’s vehicle — unless that vehicle was parked.
- Reimbursement for a stolen vehicle.
- Motorcycles. Unless the motorcycle was involved in an accident with a car.
*Additional coverage beyond basic Michigan no-fault insurance may include payments for these situations.
WHY YOU NEED A LAWYER FOR MICHIGAN NO-FAULT INSURANCE BENEFITS
As consumers, we believe that because we pay expensive premiums to our auto insurance company every month, the company will step up and be a “good neighbor” in the event we are hurt in a car accident. Many times, that is not the case. We see insurance companies denying accident victims No Fault benefits for a wide variety of reasons. Accidents are stressful and insurance issues can be complex and difficult to understand, especially when you are in pain and off work. You may very well need a Michigan car accident attorney.
A Michigan auto lawyer can help you understand what you’re entitled to from Michigan no-fault insurance benefits! Additionally, our experts at the Mike Morse Law Firm can help you get those benefits. The Michigan No-Fault Law requires that you complete a written Application of Benefits and submit it to the correct insurance company within one year from the date of the accident if you are to receive any benefits.
The details can be tricky and your rights should be protected. An experienced Michigan auto accident attorney like those at the Mike Morse Law Firm can take care of the process for you. Call our legal professionals today at (855) MIKE-WINS.