Understanding No Fault Benefit Law
Who Is Entitled to Receive Michigan NO Fault Insurance Benefits?
Michigan no-fault coverage is intended to cover the entire family: this means that all drivers, passengers, pedestrians, and bicyclists are entitled to personal injury protection benefits –regardless of who’s at fault.
Three Parts to Basic No-Fault Policy
- Personal Injury Protection (PIP) – Also known as 1st party benefits, “will cover up to 85% of the income you would have earned if you had not been hurt, for up to three years.” (mich.gov) In the event of your death as a result of an automobile accident your families remain entitled to your lost wages as a result of the accident. However, seeking payments of this benefit can often be complicated and difficult. It is usually the best course of action to discuss any accident with an attorney first who will help you navigate the treacherous waters.
- Property Protection (PPI) – No-fault may pay for property damages caused by your vehicle. Did you hit a properly parked vehicle, a fence, or a building? In Michigan, all of these may be covered under your no-fault PPI insurance.
- Residual Liability Insurance – Bodily Injury and Property Damage – in the event of an auto accident an injured person may be able to collect damages for pain and suffering. However, in order to meet the necessary threshold to do so you should ask an attorney
- Has the accident you caused killed another person, caused serious injury, or permanent physical disfiguration?
- Did the accident involve a non-registered Michigan vehicle?
- Did the accident has occurred in another state other than Michigan?
- Did the accident caused by someone else by more than 50% leave you with damages and your insurance will not cover the necessary repairs.
WARNING: A no-fault application to the insurance carrier must be submitted in a timely fashion for all sought after benefits to be considered. Failure to submit claims may result in loss of monies owed.
Experienced Legal Assistance
There are many necessary steps to securing your no-fault PIP coverage. The best way to gain strength, support, and added assurance to your claim in the event that you find yourself needing to file a lawsuit – is to consult with an experienced personal injury car accident lawyer such as Richard J. Corriveau Law.
Schedule your free consultation today
Richard J. Corriveau Law offers a free initial consultation – your legal needs are our priority! Call us today at 248-380-0023!