While some may regard planning for the worst as a negative thing, doing so in relation to car insurance in Michigan can actually benefit an individual and their family in the long-run. No-fault insurance benefits in Michigan are required by law. Every motor vehicle owner is expected to purchase specific basic coverage in order to obtain license plates. It is a violation of the law to operate your car or allow your car to be operated by someone without no-fault insurance.
Michigan's no-fault car insurance provides payment for medical expenses, wages lost, and damage to other people's property no matter who is determined to have caused the auto accident in Southfield MI. A basic no-fault insurance policy in Michigan does not compensate individuals for repairs to their car. This type of coverage is provided under three types of collision coverage a motorist can choose from: limited, standard, and broad form.
Sections of the No-Fault Car Insurance Policy
There are three parts to the no-fault car insurance policy that drivers in Michigan must buy. Personal Injury Protection (PIP) pays for all of your medical costs. For three years, it also covers up to 85 percent of the income you would have earned if you hadn't suffered injury. The amount of compensation you would receive for lost income is limited, however, and is altered every year. The maximum is $4,929 per month as of 10/1/10. In the event of your death in a Michigan car accident, the policy will pay your family up to $4,929 per month for three years, varying on the amount they would have received from your earnings and fringe benefits. Lastly, an individual will receive $20 a day for replacement services (housekeeping, yard work, etc.).
Property Protection pays for up to $1 million in damage your car is responsible for in Michigan to other people's property (buildings, fences, etc.). It also covers damage your car does to another person's properly parked vehicle, but it does not pay for any other damage to vehicles.
Residual Liability Insurance/Bodily Injury and Property Damage protects insured drivers from being sued because of a car crash. However, the no-fault law will vary if a motorist causes an accident in Michigan that results in death, serious injury, or permanent disfigurement. A person can also be sued if they are involved in an accident in another state or for up to $500 if they are determined to be 50 percent or more at fault in a crash that causes damages to another individual's car that are not covered by insurance.
Obtain the Compensation You Deserve
While the specifics of Michigan's no-fault benefits may seem straightforward, auto accident cases involving insurance claims can be complex. Even with Michigan's no-fault car insurance policy at work, several individuals may encounter obstacles when filing no-fault benefit claims in Michigan. A no-fault policy is supposed to cover all family members living under the same roof and personal injury protection benefits are to be provided even when a family member is a passenger in another person's vehicle or is a pedestrian when an accident occurs. If you have been denied such benefits under these or other circumstances, an experienced Michigan insurance claim attorney can help you obtain the compensation you deserve.
At Lipton Law, our Southfield Michigan no-fault car insurance lawyers know that there is no time to waste in helping you obtain benefits to offset steep medical bills, lost earnings, and other damages associated with our accident. Contact us today to learn more about your legal rights and options in filing a Michigan no-fault benefits claim.