After being involved in a serious car accident, I really believed that my insurance company would take care of everything. It wasn't until I finally received their settlement offer that I realized they were not on my side at all. This is when I got wise and consulted a personal injury lawyer. It was the best decision I could have made. Thanks to my attorney, not only did I learn a lot about personal injury law, but I actually got the compensation that I needed and deserved. I made a lot of mistakes after my accident, but I also learned a lot along the way. It is my hope that this blog will allow other accident victims to learn from common mistakes and get the information they need to be successful in their own personal injury claims.
In the state of Michigan, all vehicles registered with the state are required to carry what is often referred to as no-fault insurance. One of the major aspects of no-fault insurance is that it provides the insurance purchaser with what is referred to as first-party insurance. First-party insurance is designed to cover both medical costs and rehabilitation costs for the insured. Here are a few more things you need to know about no-fault, first-party insurance in Michigan.
Your Insurance Covers You No Matter Where You Are In The Vehicle
One of the best parts about carrying no-fault insurance in the state of Michigan is that its first-party coverage applies no matter where you are at in your vehicle. Regardless of if you are the driver or the passenger in your vehicle, should you be injured, your medical as well as rehabilitation costs will be covered by your insurance.
If you are hurt in a car accident, you will need to file with your own insurance company in order to recoup the medical costs that you incurred.
Your Insurance Covers Your Passengers As Well
If you are carrying passengers in your vehicle who are not directly covered under your insurance, your insurance may still cover them. If your passengers do not have their own no-fault insurance, they can file a claim with your insurance company in order to receive compensation for their medical costs. This should not drive up your insurance costs, as it is part of what is included and covered under no-fault insurance laws.
Your Insurance Coverage Also Covers Lost Wages
Another big benefit of Michigan's no-fault insurance is that it also covers lost wages. That means that if you are out of work for an extended period of time due the injuries and medical care that you need directly because of an auto accident, you can be reimbursed for lost wages through your insurance company. This will help lessen the burden of being out of work and missing out on your paycheck.
Your Insurance Protects You From Frivolous Lawsuits
One of the biggest benefits of Michigan's no-fault insurance is that it protects you from frivolous lawsuits for medical costs. Since everyone is required to carry no-fault insurance, every driver and passenger should be able to pay for their own medical bills. Your insurance protects you from frivolous lawsuits for minor medical bills.
If you were recently involved in an auto-accident, make sure you consult with an auto accident attorney like Attorney Gary G. Norris. They can help you work with your insurance company, and ensure that your medical bills are paid like they should be under Michigan's no-fault insurance law. A qualified personal injury attorney can also let you know if you have grounds to file a lawsuit for additional compensation based on the extend of your injuries.Share