Michigan is a no-fault auto insurance state. This means that if you get into an accident, then you can file a claim with your insurance company under your personal injury protection (PIP) coverage. You’re unable to sue the other motorist who may have struck you in a no-fault state like Michigan.
Insurance laws vary by state. There are many states require motorists to purchase no-fault insurance. Others don’t even offer drivers the option to do so. In states like Kentucky, New Jersey and Pennsylvania, motorists have the option to buy one type of insurance versus another.
Some states require drivers to purchase coverage that covers passenger claims. Other jurisdictions leave passengers to fend for themselves.
It’s mandatory in no-fault states like Michigan for motorists to have PIP coverage. It’s difficult for drivers to file lawsuits unless damages reach a certain monetary point or their pain surpasses a specific threshold though. This means that motorists can only sue in no-fault states like this if their medical expenses exceed a certain amount. They may also be able to do so if their injuries are deemed as serious by the state.
In other states that aren’t no-fault states, drivers are given the option to purchase PIP coverage. Motorists in states who do give their drivers the choice to have this type of insurance can generally sue for compensation regardless of who caused the accident. Drivers who purchase PIP coverage can generally sue for both their injuries and their pain and suffering.
Individuals who are involved in auto accidents are generally entitled to monetary damages for their injuries, lost wages and other expenses. How much you may be awarded varies depending on the severity of your injuries, your insurance limits and the laws in your state. An attorney here in Rochester can advise you of your right to seek compensation in your Michigan auto accident case.
