No Fault Benefits
Michigan’s no-fault auto insurance law has been in effect since 1973. The overwhelming majority of our auto accident clients do not fully understand the law. Most injured individuals do not know what benefits are available to them, and as a result, many benefits go uncollected. Do not expect the insurance company to explain, pay, or notify you of all the available benefits. Your insurance company is under NO OBLIGATION to tell you what they owe.
If a motor vehicle is involved in an accident causing injuries you may be entitled to no-fault benefits. Generally, an injured person must turn to his own auto insurance company for payment of no-fault benefits. If the injured person does not own a car, no-fault benefits will be paid by other available insurance companies, including assignments from the State. Determining which insurance company will pay these benefits is often tricky, and an improper claim can be costly!
No-fault benefits fall under several categories: medical benefits, wage loss, attendant care, household help and medical mileage. These benefits must be submitted to the correct insurance company within a year. If not, the insurance company will deny claim.
The payment of no-fault benefits must be made to you regardless of who was responsible for the accident.
Automobile insurance claims are complicated and confusing. The insurance company’s claims adjuster is a well-trained insurance expert. You need an expert on your side. Without a lawyer, filing a claim can be frustrating and costly. Let us help.