The Michigan No-Fault Law is the law covering Michigan auto accidents, truck accidents and Michigan motorcycle accidents. The law went into effect in 1973 and allows a person injured in a car accident to receive certain benefits, no matter who is at fault for causing the accident. This means even if you were at fault for causing a car accident, you may still be entitled to Michigan No-Fault benefits.
The major benefit under the Michigan No-Fault Law is the payment of all medical bills related to the accident. This includes the payment for all hospital bills, doctor bills and rehabilitation bills. If a medical treatment is related to the car accident, it must 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% 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 care nurses, family members or even friends are doing on your behalf because of your Michigan car accident injuries.
The following are various forms utilized in Michigan No-Fault claims. In some cases, these forms are mandatory and must be completed by claimants if no-fault benefits are being sought.
The Application for Benefits (AFB) must be completed by the claimant and received by the car insurance company within one year of the car accident. Almost all car insurance companies require this application.
Sometimes, the State of Michigan will assign a Michigan car insurance company to handle the payment of no-fault benefits. This process is handled by the Michigan Automobile Insurance Placement Facility, formerly known as the Michigan Assigned Claims Facility. The MAIPF requires a completed application that must be received within one year of the car accident.
This form is completed by your employer so wage lost benefits can be paid by the no-fault insurance company.
These statements are usually required by the no-fault insurance company for the payment of replacement services. The statements are to be completed by the chore provider, not the injured claimant. The statements are a way for the chore provider to keep track of the work he or she is doing for the injured person after a car accident. The chore provider is entitled to $20 per day for the work he or she is completing.
This document is a way to keep track of medical mileage. Under the Michigan No-Fault law, an injured person is entitled to reimbursement for mileage incurred to and from medical appointments.