No-Fault Insurance Claim Time Limit
Motorists in Michigan only have a limited window of time to file a no-fault insurance claim. Every driver is required to file a written Application for No-Fault Benefits with the correct insurance company within one year from the date of the Southfield MI auto accident.
You must file written claims with regard to benefits for lost wages, medical costs, household services, and other no-fault benefits with the correct insurance company within one year of the date of the expense. Failing to do this will deny you the opportunity of getting recovery or reimbursement for these claims or expenses.
If an insurance company denies you payment for an item of allowable expense included under Michigan no-fault benefits, you only have one year from the date that you acquired the expenses to file a lawsuit for that specific item. If you do not file a lawsuit within this timeframe, your right to payment for that particular item or service will terminate.
No-Fault Deadlines for Insurance Companies
Although it may seem unfair that as an accident victim you could potentially be barred from receiving no-fault benefit claims in Southfield, insurance companies have a limited amount of time to pay these benefits. However, insurance companies have ways of drawing out this time.
Insurance companies have 30 days after receiving a written notice of a no-fault claim to make payment, ask for other information from the person filing the claim, or deny the claim. Because these options are permitted for an insurance company 30 days after they receive your claim, it is best to file your claim as soon as possible. There is an unfortunately high likelihood that the insurance company will search for some reason and present some argument as to why your claim will be denied or why you should not receive certain no-fault benefits.
Put Time on Your Side
A year can fly by fast, and these time limits are extremely strict, so even though there is a lot on your mind and there is much to do after being involved in a car crash, you must act quickly in filling your application out properly and with the appropriate no-fault insurance carrier. The same time constraints and the importance of you acting fast apply to claims for specific no-fault benefits as well as lawsuits for Michigan no-fault benefit claims denial.
These time restraints can add extra stress to an already challenging time, especially if the insurance company tells you that they did not receive your application or that you filled out portions of it incorrectly. These are a few of many tactics insurance companies will take to deny you no-fault benefits that you are legally entitled to under the Michigan No-Fault Law.
Preserving Your Rights
No-fault benefits are very important to an accident victim and their family because these benefits provide payment for medical bills, attendant care services, household chores, special transportation, home modifications, and more. Not receiving these benefits simply because you failed to apply for no-fault benefits in time can be significantly devastating and even prolong your recovery from injuries or illness associated with the car accident.
You literally cannot afford to wait after being injured in a vehicle collision. Insurance companies are not required to provide payment for any lost wages or benefits relating to medical, replacement services, or other expenses that are determined to be over one year old. To avoid this, it is best to send written proof (and save copies for yourself) of all expenses and losses to your insurance carrier as soon as you acquire them, but not more than one year from when you acquired them.
At Lipton Law, our Southfield no-fault insurance lawyers are not strangers to the deceptive practices of insurance companies when prolonging the turnaround of applications and claims filed by accident victims. In our many years of experience, we are highly familiar with insurance company tactics as well as how to help guide our clients in obtaining their full no-fault benefits. Contact us today for more information.