MICHIGAN'S NO-FAULT LAW
Exploring your auto-accident options in a no-fault insurance state
When you or a loved one is injured in a car accident, paying medical bills and obtaining financial support are your main priorities. Michigan’s no-fault insurance scheme enables injured accident victims to quickly receive the financial benefits necessary to recover. But, if you are involved in an accident, it is important to understand your rights and the insurance company’s responsibilities. A personal injury attorney at Barrix Law Firm can help.
What is no-fault insurance and how do I know if I am covered under it?
No-fault insurance is a type of vehicle insurance that is required for all Michigan drivers. While there are different types of coverage available to drivers, with the most basic insurance plan, a number of expenses are covered in the event of an accident:
Costs associated with rehabilitation
Damage to other people’s property
No-fault insurance provides for these benefits even if you caused the accident. There may be additional areas of coverage – for example, damage to your car – if you have a more comprehensive coverage plan. If you are abiding by Michigan’s legal requirement that all drivers have insurance, you have no-fault insurance. Further, your no-fault insurance policy covers those family members who live with you.
What are the benefits of no-fault insurance? Do I have other options?
In Michigan, no-fault insurance is required for all drivers. You may not be issued a license plate without it. No-fault insurance is designed to save time and money in issuing claims after a car wreck so that an injured individual does not have to wait to receive medical compensation from the at-fault party.
Under no-fault insurance, regardless of who is at fault, your insurance company is there to issue payment. The major downside to the no-fault insurance plan is that Michigan citizens do not have the right to take the at-fault party to court, except in certain circumstances. At the Barrix Law Firm, we have more than 20 years of experience handling these exceptions and we can help you too.
Representing you through denied insurance claims
Michigan’s no-fault insurance generally does not cover damage to your car. Depending on your auto insurance plan, you may be able to receive an insurance payment for this damage, but your fault in the accident could come into play. Under Michigan law, if you are found more than 50 percent responsible for the accident, many insurance plans place the responsibility for repairing your car on you.
With respect to injuries, it is your insurance that pays the medical benefits and lost wage costs after an accident, although the insurance company only does so to a certain extent. If you have been seriously injured in an accident, your benefits may not fully compensate you, and in these cases, it could be necessary to seek compensation from the other driver’s insurance company through a third-party claim. Our experienced and compassionate team can walk you through this process and help you recover damages.
Contact us for skilled representation for a speedy recovery If you have been injured, there are time limits within which you must make any necessary insurance claims. Our personal injury attorney knows these limits and how best to ensure a complete and comprehensive recovery for your injuries and property damage.
Get in touch today for a free consultation. We offer flexible hours for appointments. Ask us about payment options. Our office is conveniently located by the Woodland Mall near 28th Street in Grand Rapids.