Michigan car accident lawyers always talk about the No-Fault insurace laws, but does the phrase “No-Fault” mean anyways?
Most of you have heard the phrase “No-Fault” but do not know exactly what it means or how it affects you if you were involved in a car accident. You are not alone.
Basically, it means that you can get insurance benefits regardless of whether you or someone else was at fault in the accident. That’s right, you are entitled to insurance benefits even if you were at fault in the accident.
Generally, when you are involved in a car accident in Michigan, there are three types of insurance claims. These claims are explained in more detail in this book, but they are classified as:
1. CAR REPAIRS AND DAMAGES
(Payment for repairs to your vehicle)
2. BODILY INJURY CLAIMS
(Payment for your personal injuries)
3. NO-FAULT INSURANCE BENEFITS
(Payment for wage loss, medical expenses, etc.)
Because Michigan is a no-fault state, you are required to make claims against your own insurance company for car repairs and
no-fault benefits. Michigan law also allows you to make a claim against the driver and owner of the car who was at fault in the accident if you suffered
personal injuries, such as pain and suffering and for any visible scars or disfigurements. These are called bodily injury claims.
In my book, "
The Ultimate Michigan Car Accident Handbook," I teach you how to make these claims and will answer many of your common questions. Of course, thre may be some questions that were not answered in this book. You can always just pick up the telephone and give me a toll-free call at 1-800-606-1717.
Category: Auto Accident
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