It’s Complicated – Let Our Detroit Injury Attorneys Explain – 1800LeeFree
Michigan No-Fault Lawyers
Under Michigan law, a person involved in an auto accident is entitled to certain benefits from their automobile insurance carrier, unless they were driving a car they owned without insurance. These benefits are often referred to as Personal Injury Protection (PIP) benefits or first-party benefits.
Every auto insurance policy in Detroit & Michigan is a no-fault insurance policy and contains the right to receive no-fault benefits.
The central tenet of the Michigan no-fault law is the actual “no-fault” provision found in the law. A person is entitled to no-fault benefits, even if they caused the accident, so long as the person was involved in a motor vehicle accident.
Passengers, pedestrians, bicyclists, and drivers are examples of people entitled to no-fault first-party benefits. It is important to understand that just because you do not personally have automobile insurance coverage, or don’t own a car, does not mean you are not entitled to these first-party benefits. Even without auto insurance, in almost all situations you are still entitled to no-fault benefits.
In addition, just because you were not inside a car or truck at the time of the accident does not preclude you from receiving first-party no-benefits. Again, in most situations, you are still entitled to PIP benefits.
The no-fault benefits Michigan car accident and truck accident victims are entitled to are extensive. They include, but are not limited to, reimbursement for medical bills and all medical expenses related to doctor and hospital visits, wage loss, household replacement services, attendant care (nursing) services, survivor loss benefits, pain and suffering, and reimbursement for travel expenses related to medical care.
To receive first-party benefits, an accident victim must first complete an application for no-fault benefits. This application must be completed and returned to the automobile insurance company handling the first-party claim within 12 months of the date of the accident. This deadline is compulsory and an accident victim will not be entitled to receive no-fault benefits if the application deadline is not met.
Another important detail contained within Michigan no-fault law is the one-year back rule. Under this rule, an accident victim may not recover benefits owed to them, such as lost wages, if more than one year has elapsed from the time the expense was incurred. In addition, the plaintiff may not recover benefits for any loss incurred more than one year before the date a lawsuit was commenced.
There are certain rules of priority to determine which insurance company is responsible for the payment of no-fault benefits. Typically, you look to your own auto insurance company first, or through a resident relative. If no coverage exists at that level, there are a number of different places to seek insurance, depending on whether you were an occupant in the vehicle, a pedestrian, on a motorcycle or inside an employer’s vehicle.
First-party no-fault benefits are an important part of Michigan’s automobile law and an area of the law most people are not familiar with. The Lee Steinberg Law Firm, P.C. suggests you consult with an experienced law firm that specializes in Michigan no-fault law so you can receive all the benefits you are entitled to under the law.
The Detroit car accident lawyers of Lee Steinberg, P.C. have represented numerous car accident victims for 40 years, helping them obtain the no-fault benefits they deserve.
Please contact Detroit & Michigan injury lawyers directly at 1-800-LEE-FREE (1-800-533-3733) to find out your rights and how we can begin fighting for you.