When you're hurt in an accident, the obligation falls on the insurance company to investigate a claim, decide liability and settle the issue for a fair amount. Instances in which an insurer is slow to process, investigate or pay a claim may constitute a bad faith action. If so, you may be eligible to file a lawsuit against them.
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.
Everyone who registers a vehicle in Michigan is required to purchase no-fault insurance. It is illegal to allow your vehicle to be driven or to drive it yourself without no-fault insurance.
Being involved in a car accident in Rochester, Michigan, is never easy. There's so much that you need to take care of afterward involving insurance claims. If you are injured, that gives you even more to take care of due to rehab, recovery and medical claims. Here are some tips for handling insurance disputes following a car accident in Michigan.
The Michigan Catastrophic Claims Association (MCCA) announced that beginning in July 2019, the cost of personal injury protection (PIP) will increase by $22 per insured vehicle. That's an increase of 13 percent per vehicle and will bring the total cost of PIP to $192 per vehicle.
If you get into a wreck with an at-fault driver, you may be able to file a claim for compensation. However, doing so can cause you to be subjected to claims for subrogation from your insurance provider.
When you are in a car accident, it can be frustrating because although you might be adamant that the other driver was to blame, it may be difficult to prove it with reliable evidence.
You may have heard people complain about no-fault car insurance, which is the form of vehicle insurance used in Michigan. For instance, they may have mentioned that it can be targeted by scams and that medical costs have been going up.
In 1973, Michigan started its no-fault auto insurance system. The idea behind the system was to lower the costs for consumers and to get doctors their payments faster. This was because victims of accidents didn't need to file a lawsuit against the other driver in order to get compensation for injuries. With no-fault insurance, drivers would simply use their own insurance company to submit claims, no matter who was at fault in the accident.
Not many people who move to the state of Michigan realize that it is a no fault insurance state when it comes to automotive insurance. This means that the coverage is broad, extending to everyone in your household. It will pay for your medical expenses for your life and up to 85 percent of your salary for no more than three years.