Settling the claims associated with a car accident can be difficult when all case facts are considered. One of the main points of concern is whether you live in a no-fault or comparative fault state. The state of Michigan is a no-fault insurance state which requires drivers and other accident victims to file claims with their own insurance company first, regardless of who is at fault.
What is No-Fault Insurance?
No-fault insurance is required for every car owner before you can even get license plates in the state of Michigan.
No-fault insurance is made up of three parts, including:
Personal Injury Protection (PIP). This part of your insurance will cover all “reasonably necessary” medical expenses with no maximum limit. In addition, it will also cover up to 85% of the income you would have earned, if you had not been injured, for up to three years. If you are killed in the accident, then this income will go to your family.
Property Protection (PPI). Under no-fault insurance, your insurance company will pay up to $1 million for any damage your car does to other people’s property, such as buildings.
Residual Liability Insurance - Bodily Injury and Property Damage. This part of your insurance will protect you from being sued unless your accident fits under one of these exceptions:
If you cause an accident in which someone dies, is seriously injured or is permanently disfigured.
If you are involved in an accident in Michigan with someone who is not a resident and who is an occupant of a vehicle not registered in Michigan.
If you are involved in an accident in another state.
If you cause damages to another person’s car which are not covered by insurance.
No fault insurance will cover all of these damages, up until the specified limits, regardless of fault in the car accident.
Contact an Okemos Personal Injury Attorney
It is never a good decision to attempt handling an accident injury claim personally because claims can be complicated and more valuable than the injured party realizes. Always call an experienced legal professional at White Law PLLC for comprehensive personal claim representation in Okemos, Michigan.