No-Fault Guide

A Note from Mike

Michigan is a No-Fault state, which means that when an individual is injured in a motor vehicle accident, an automobile insurance company is responsible to pay benefits for their care, recovery and rehabilitation, which includes medical expenses, wage loss and household services. The question of which auto insurance company is responsible to pay your No-Fault benefits is dependent on several factors, some of which have changed under the new law. Michigan began its no-fault insurance policy in 1973 and in totality these are the most sweeping changes to the law we have seen since that time.

Michigan’s new no-fault insurance reform law was touted as the solution to some of the highest insurance rates in the country. What has emerged from the legislature and the governor’s office is more like a runaway train about to strike thousands of Michigan’s accident victims, with potential disastrous results. Put together quickly and passed without public hearings, the legislation is full of holes that leave gaps of uncertainty regarding changes to Michigan’s no-fault insurance legacy.

As you review this information remember at the Mike Morse Law Firm we have been watching these changes very carefully and recognize that many of the provisions will ultimately have to be litigated so new legal precedent can be set. It is my hope some of those case results will be favorable to accident victims in the future.   In the meantime, we will continue to fight hard for our clients and stand up for their rights every step of the way.