What You Need to Know About Michigan No-Fault Car Accidents | Khamo Law PLLC

Car accidents can be scary, stressful, and confusing, especially if you live in Michigan where the rules for auto insurance claims are different from most other states. Michigan is a no-fault state, meaning that regardless of who caused the accident, your own insurance company is responsible for covering your medical expenses, lost wages, and other damages. While this system may seem straightforward on paper, it can become complex and overwhelming for those who have just been in a car accident. In this blog post, we will discuss what you need to know about Michigan no-fault car accidents.

1. What is no-fault insurance?

Under Michigan’s no-fault law, drivers are required to have no-fault insurance, which guarantees payment of medical expenses, lost wages, and other related expenses, regardless of who caused the accident. This system exists to reduce the number of lawsuits and disputes that can arise from car accidents.

2. What damages are covered under no-fault insurance?

Under no-fault law, your insurance company is responsible for covering your medical expenses, lost wages, property damage, and other economic damages resulting from the accident. These benefits are paid regardless of who was at fault for the injury or damage.

3. What damages are NOT covered under no-fault insurance?

Michigan’s no-fault insurance does not cover non-economic or subjective damages, such as pain and suffering, emotional distress, and reduced quality of life. These types of damages can only be recovered through a separate lawsuit against the at-fault driver.

4. What are the time limits for filing a no-fault claim?

Under Michigan law, you have one year from the date of the accident to file a no-fault claim with your insurance company for benefits such as medical expenses and lost wages. However, if you wish to sue for non-economic damages, such as pain and suffering, you must file a lawsuit against the at-fault driver within three years from the date of the accident.

5. How can a no-fault car accident lawyer help?

If you have been in a no-fault car accident in Michigan, a skilled attorney can help you navigate the complexities of the system and ensure that you receive the full compensation you are entitled to. A car accident attorney can inform you of your rights, help you file a claim for benefits, negotiate with insurance companies, and represent you in court if necessary.

Conclusion:

It’s essential to understand the ins and outs of Michigan’s no-fault system if you are involved in a car accident in the state. Knowing your rights and what to do after an accident can make all the difference in the outcome of your case. A knowledgeable car accident lawyer can help you navigate the confusing no-fault system and ensure you receive the compensation you deserve after a car accident. Contact Khamo Law PLLC by calling 248-466-0606 or by online form here for a free consultation and find out how we can help protect your rights.