If you have been injured in a Michigan car accident, truck accident, or motorcycle accident you may be available for either coordinated medical coverage or uncoordinated (primary) medical coverage depending on what type of no-fault auto policy you selected. Under the Michigan No-Fault law, if a person is injured in a Michigan accident, the no-fault insurer must pay all the reasonable charges for products, services, and accommodations till the person's recovery. Our Michigan car accident insurance lawyers file claims on behalf of our injured clients for Michigan No-Fault insurance benefits.
Michigan Coordinated Medical Coverage
If you have selected coordinated coverage as your no-fault auto policy, you must submit your medical bills to your health care insurance or HMO first. With the coordinated medical coverage, the no-fault insurer will pay for the reasonable and necessary care/expenses that is not covered by your health insurance or HMO.
Making Your Claim For Michigan Coordinated Medical Benefits
The No-Fault auto insurer does require proof that the bills have been submitted to your health care insurance first. The No-Fault auto insurer will pay the medical coverage if after the bills have been submitted, they were either rejected or partially paid.
If you have a deductible with your coordinated coverage, payments made by your primary health insurance will be used towards satisfying the deductible.
What If Your Health Insurance Does Not Cover Medical Expenses
If your primary health insurance does not cover medical expenses or you do not have health insurance coverage on your policy, payments will be reduced to $300 in addition to your deductible if any. Medicare is an example of a health insurer that does not cover medical expenses for car accident injuries. In this scenario, you would submit your medical expense bills directly to your No-Fault auto insurer.
Our No Fee Promise For Michigan No-Fault Insurance Cases
We will represent you in your Michigan car accident case under our NO FEE PROMISE. This means that you will not be charged any legal fees whatsoever unless we obtain a settlement or recovery for you. You have absolutely no obligation for legal fees unless we win your case. If we do not obtain a settlement for you, you owe us nothing!
Contact a Michigan No-Fault Insurance Lawyer
For more information regarding your rights on Michigan No-Fault Insurance after a Michigan motor vehicle accident or if your insurance company has terminated your benefits, call us now at (800) 606-1717 to speak with one of our Michigan No-Fault Insurance Lawyers about your case, or simply submit this contact form and we will get back to you quickly.