For many drivers in Michigan, having car insurance has made it easier to recoup their losses and get their lives back on track after an accident. However, most plans are subject to change at any time. If your plan changes suddenly, you might not get all the benefits that you expected to receive. Luckily, a recent order protects certain drivers who are insured under the Michigan Assigned Claims Plan, or MACP.
How does the order affect you?
If you had an accident before July 2, 2020, and filed a claim with MACP, your car insurance benefits will not be capped. Previously, MACP had announced that it would be capping drivers’ benefits at $250,000. While this might seem like a lot of money, it can add up quickly if you get into a car accident. If your benefits have been capped, you might not be able to repair your car, pay your medical bills or seek help for emotional damages.
Several people who made claims before June 2, 2020 were told that their benefits would be capped at $250,000. Fortunately, the Michigan Department of Insurance and Financial Services ruled that benefits cannot be capped before July 2. If you suffered from a personal injury or other damages resulting from a car accident, you’re still entitled to your full amount of benefits.
While MACP doesn’t necessarily cover everything, it can cover a percentage of your medical expenses. This may include surgeries, hospital stays, medications, doctor’s visits, physical therapy appointments and other services. If you’re having issues with your insurance company, a personal injury attorney may help you obtain the benefits that you need to get your life back together.
Do you need an attorney if you’ve been in a car accident?
Whether you were at fault for the accident or not, an attorney may help you if anything goes wrong in the weeks or months following an accident. Is the other driver trying to sue you? Did your insurance company deny your claim? Were you fired from your job for being disabled? An attorney may help with legal issues like these and more.
