If you have a driver's license, then it's likely that the jurisdiction that you live in requires you to have automobile insurance. Most drivers think of this coverage in terms of the protections it offers if they become involved in a car crash. You may wonder how that works in a no-fault insurance state like Michigan, though.
Michigan's no-fault insurance model has meant that individuals pay high premiums for the coverage required by law. One of the components that was especially costly was the personal injury protection because people had to pay for unlimited lifetime medical benefits. On July 1, 2020, residents of this state were able to change their coverage from that unlimited option to lesser coverage, which saved some people money on their premiums.
Just because you have auto insurance doesn't necessarily mean that it will protect you should you have an accident. Ultimately, it's up to your auto insurance company's adjuster to decide whether they will approve your claim. An insurance company may deny your request completely or pay only a portion of your damages.
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.
Auto collisions happen every day in Michigan. Motorists often file claims with their insurance companies in the hope of recovering money to fix their car, to cover their medical bills and/or for lost wages. The onus to decide who gets paid falls on the insurance company's shoulders. Judges often side with insurers when they're tasked with deciding how much a claimant should receive following an accident.
In Michigan, victims of serious or catastrophic vehicle accidents feel confident that no-fault insurance claims will cover their medical expenses. Most people don't give the matter much thought. Instead, they assume that insurance carriers always operate in good faith.
Michigan makes it relatively easy to work out how to recover from a car accident. The state makes it a requirement to have a form of insurance that makes it irrelevant who caused a crash or how it was caused beyond a possible criminal act. But things are changing with a new law from Lansing.
After a car crash that leaves you or a member of your family with serious injuries, you will definitely feel grateful for your no-fault insurance policy. While many people in Michigan bemoan the expenses associated with no-fault insurance, for those who need medical coverage, the protections of no-fault insurance are invaluable.
Under Michigan's no-fault insurance system, drivers can get basic coverage from their insurer when they're involved in an accident regardless of whose fault the crash was. This no-fault system allows drivers to obtain compensation for medical care, lost wages, and in some cases, damages to their vehicle fairly quickly and easily compared to drivers in states that don't have no-fault insurance. However, the coverage is limited.
Drivers in Michigan have enjoyed several protections against personal injury and damage in the event of a car accident. However, those protections have been considered too costly for many vehicle owners who find themselves strapped for cash.