Michigan’s Unlimited Injury Coverage Cost On The Rise
The assessment Michiganders pay to the Michigan Catastrophic Claims Association (MCCA) for unlimited injury coverage recently rose from $160 to $170 per vehicle. Michigan is the only state that offers unlimited personal injury protection benefits. These benefits are offered through no-fault auto insurance policies. The MCCA reimburses no-fault auto insurers for amounts paid in excess of $555,000 per claim. The MCCA was created by the legislature as a means of spreading the cost of providing these unique, unlimited benefits across all Michigan auto insurers.
Each year, the assessment is recalculated from July 1 through June 30 of the next year. The assessment was highest at $186 for the 2013-2014 and 2014-2015 cycles.
Understanding Michigan’s No-Fault Laws
Every auto insurance policy in Michigan is a no-fault policy and contains the right to receive no-fault benefits. Although there have been some recent changes that affect some cases, Michigan No-Fault Law still says, if you are involved in a car accident, truck accident or even a motorcycle accident you are entitled to the benefits, even if you caused the accident. Additionally, even without car insurance, in almost all situations you are still entitled to no-fault benefits. Passengers, pedestrians, bicyclists and drivers are all examples of people entitled to Michigan No-Fault benefits as well.
With the exception of severe cases, Michigan’s no-fault law prohibits you from going to court following an accident. To warrant a court visit, one party must have suffered death, disfigurement, or serious impairment and there must be concrete medical evidence to support the court claim.
Related Medical Bills, Lost Wages Are Covered
The major benefit under the Michigan No-Fault Law is the payment of all medical bills related to the accident, including hospital bills, doctor bills and treatment and rehabilitation bills and will be paid by the auto insurance carrier responsible for paying the claim. There is no dollar limit and this is a lifetime benefit.
Another major benefit is the payment of lost wages. Under the law, as long as you are disabled from work because of car accident injuries, the auto insurance company must pay 85 percent of your gross wages for up to three years from the date of the accident.
Other benefits include the payment of prescriptions and out-of-pocket costs, as well as reimbursement for the personal care that nurses, family members or even friends are providing because of your Michigan car accident injuries.
Some critics say rather than paying additional dollars for coverage, the Legislature should fix Michigan’s broken, outdated no-fault system. We invite you to read more about our take on Michigan’s No-Fault System. What do you think?
Talk to a Lawyer Today
The Lee Steinberg Law Firm and Call Lee Free are the experts in the Michigan No-Fault Law and have a team of Michigan car accident lawyers dedicated to helping you obtain the compensation you deserve. Our Michigan car accident attorneys have been representing individuals injured in Michigan car accidents, Michigan truck accidents and Michigan motorcycle accidents for over 40 years.
Call our office today. You pay nothing unless we win your Michigan car accident case. Let us help you by calling 1-800-LEE-FREE (1-800-533-3733).