Your Benefits After A Car Accident
If you have auto insurance, you have no-fault accident insurance coverage in Michigan. If someone in your household has auto insurance, you have no-fault insurance. If you are injured in a motor vehicle accident with a vehicle that has more than two wheels, you are entitled to unlimited medical benefits to cover the costs of accident-related injuries for life.
Most people carry coordinated (excess) coverage as opposed to full medical coverage on their no-fault policy because there is a slight premium reduction with coordinated coverage. If you have coordinated coverage, your health care insurance or HMO will cover initial medical costs, while your no-fault insurance will cover what is not covered by your health insurance.
You need to speak with a lawyer if:
- Your no-fault insurance provider is trying to minimize payments to you, and they will try to minimize your benefits.
- You need compensation above and beyond what no-fault coverage will provide. In catastrophic injury cases, this is common.
- You were riding a motorcycle at the time of your accident. Motorcyclists are excluded from no-fault coverage unless involved in an accident with a vehicle that has more than two wheels.
So, Exactly What Benefits Are You Entitled To After A Car Accident?
- Medical benefits:
- All reasonable charges for products, services and accommodations that are necessary for your care, recovery and rehabilitation
- Up to three years of lost wages
- Vocational rehabilitation or education, plus room and board while attending such training
- Legal fees for the appointment and maintenance of a guardianship or conservatorship
- Case management services with a case manager of your choice — you do not have to retain the case manager the insurance company provides
Generally, you will have to make a collision damage claim for the damages to your vehicle. Your no-fault insurance coverage will cover up to $1,000 of vehicle damage repairs, but this is usually far below the actual cost of damages.
Should You File A Lawsuit For Additional Compensation?
If you have questions about your coverage or concerns about dealing with the insurance company, you should call our firm today. The sooner you contact us, the sooner we can go to work for you.
We pursue first-party and third-party insurance lawsuits in serious car accidents cases daily at Atnip & Associates, PLLC. When you work with our attorneys, we treat you like part of the family through every step of the legal process. You likely need and deserve more coverage. Your full recovery is important to us.