If you look at your Michigan auto insurance policy documents, then you'll notice that you have personal injury protection (PIP) coverage listed on it. It's also known as no-fault insurance and it's mandatory that all drivers have it in the state. It's intended to cover medical bills that either you or your passengers may amass if you're involved in a car crash.
In the event that you are involved in a motor vehicle accident, you're probably wondering what your no-fault insurance coverage can be used to pay. It can be applied toward any unmet health insurance deductible. It can also be used to pay any amounts, such as co-pays, that are beyond your plan's limits.
If you lost income because you were hurt in an accident, then you may be able to recover lost wages by tapping into your PIP coverage. It can be used to cover costs associated with needing to hire someone else to clean your home or care for your kids also.
Finally, you may be able to use PIP coverage to pay for funeral costs if your passenger perished in the crash.
Some of the expenses that aren't covered by your no-fault policy include any damage to either your vehicle or property or the other party's vehicle or property. This is either covered by collision or property damage liability insurance portion of your policy. It also doesn't cover any medical bills that may go beyond the limits of your PIP policy.
Understanding the limits of your no-fault policy or how to handle expenses that exceed those are two of many questions that seriously injured motorists may have after becoming involved in a crash. How someone should handle these situations is unique to each individual case. A Rochester attorney can advise you on how to handle them in your own legal matter.