Anyone involved in a motor vehicle accident in Michigan is entitled to certain Michigan no fault benefits, unless they were driving a car that they owned with no insurance. Pedestrians, bicyclists, and maybe 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.
In order to receive No Fault Benefits you must complete a written Application for Benefits and submit it to the proper insurance company within one year of the date of the accident. If you do not, you will not be entitled to No Fault Benefits. Also, all written claims for No Fault 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 Michael Morse, P.C. can answer your questions anytime, on the phone 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 1.855.MIKE.WINS or email for free answers to all of your questions.
One rule that confuses many clients is that even if you are rear-ended or 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 medical expenses under Michigan No Fault Benefits Laws, 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 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. To learn more about Michigan No-Fault Benefits for Replacement Services, click here .
Transportation expenses incurred for the purpose of obtaining medical treatment is also a benefit that can be recovered. Learn more about Michigan No Fault Benefits for Mileage Expenses by clicking here .
In the event of death, no-fault benefits can be paid to surviving dependents. Learn more about Michigan No Fault Death Benefits by clicking here .