MICHIGAN’S NO-FAULT LAW: HOW IT IMPACTS YOUR AUTO ACCIDENT CLAIM
The Michigan no-fault law is an insurance law put in place to protect people like you, who have been injured in auto accidents. The system is unique in that car accident victims get the required help promptly without regard to fault. Thus, you being an auto accident victim means that you are entitled to certain protection under the Michigan no-fault insurance law including certain benefits from your insurance company required to recover and contribute to rebuilding yourself.
Does Michigan fall under the No-Fault States for Auto Accidents?
Before 1973, Michigan was a tort liability state. Since the passage of the no-fault insurance law in the state, the state requires all legal drivers in the state to undertake mandatory auto insurance particularly if you regularly drive the roads. Therefore if you get injured in any auto accidents, the car insurance company you are insured with must pay all your lost wages and cover your medical bills once you file an application for benefits -this is regardless of who is at fault in the car accident.
Why No-Fault Law in Michigan?
The preceding tort law on auto accidents in the state was not helpful to auto accident victims. This is because they were most times denied compensation under the tort law even the seriously injured victims were often under-compensated. Moreover, the delays involved in the process of seeking compensation made such victims face devastating financial burdens.
The Recent Changes in the No-Fault Law in Michigan You must take Notes of
Before the change in the No-Fault Law for Auto accidents in 2019, drivers were entitled to unlimited Personal Injury Protection (PIP). The unlimited PIP must be that that was reasonably necessary to cover the recovery, Rehabilitation and personal care of the injured person (s) in auto accidents. The new changes now give the option of either unlimited PIP or victims capping their coverage at $50,000 or $250,000 or $500,000.
How do you reach Settlement in a No-Fault Claim in Michigan?
Undoubtedly, the at-fault driver must stop at the auto accident scene and provide his driver's license and insurance information. If you happen to be an auto accident victim, you are expected within a year to file a no-fault benefit application to the responsible auto insurance company. Alternatively, you may file your application before the Michigan Assigned Claims Plan. Failure to file your no-fault benefit application within the stipulated time would make your claim to be statute barred. As an auto accident victim, you may also file a lawsuit after no fault accident in Michigan.
Want to know More About What to do in a No-Fault Auto Accident in Michigan? Request a Consultation with a Michigan No-Fault Auto Accident Attorney
If you do not know about how to claim your legal rights and benefits from a no-fault auto accident, or your loved ones questions regarding settlement of insurance benefits and compensation under the No-Fault Law in Michigan then you need to consult an experienced No-Fault insurance attorney. While we cannot guarantee the end result, we can promise that we will act as dedicated and committed advocates in your case. Call Cotter Law at 865-888-7155, send an email to attorney@cotter-law.com or simply fill out the form below for a free consultation.
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