Being involved in a Michigan car accident is a frightening experience. However, after the shock of the experience hopefully calms down, it is important that as a victim you understand y our rights and do not get fooled by the insurance company in cheating you out of no-fault benefits that you are rightfully entitled to.
Michigan is a no-fault state. This means under law, every driver is required to have an automobile insurance policy with no-fault benefits. No-Fault insurance benefits include payment of attendant care services, medical bills, prescription costs, wage and income loss, household chores, replacement services, case management services, home modifications and accommodations, and survivor loss benefits. These benefits are most likely entitled to you if you were injured in a car accident, regardless of how was as fault.
Unfortunately, the law can be quite complex and there is an order of priority on who is responsible for payment. However, no matter the situation, in most scenarios a victim injured is entitled to these benefits, but unfortunately not always informed by their insurance adjuster.
When it comes to no-fault benefits, there are ten “secrets” that the insurance company a lot of times will not tell you about. These secrets include:
- Your insurance company is not legally obligated to explain your benefits to you after you are injured in a Michigan car accident and many times will not explain them all to you.
- You can receive no-fault benefits even if you were at fault in the accident.
- You can receive no-fault benefits even if you did not have your own insurance policy.
- You can receive medical benefits for your lifetime for the injuries that you suffered and there is no dollar limit to those benefits. (Please note this may change to a $1 million dollar under Governor Rick Snyder’s new Auto Insurance Reform plan)
- You can receive 85% of your wages if you are disabled due to injuries arising out of the crash.
- You can receive wage loss benefits even if you are unemployed but were looking for a job or if you are a seasonal employee.
- You can receive up to $20.00 per day to have someone, including a family member, assist you with household services that you cannot perform because of injuries suffered in the collision. This may include house cleaning, laundry, cooking, cutting the grass, or taking out the garbage.
- You can receive benefits to have someone, including a family member, take care of you while you recover. If you are being assisted by a family member, the insurance company must pay the same amount of money that would be paid to a private agency.
- You can have your home modified if you were seriously injured. The insurance company must pay the construction costs to make the home accommodating to your condition. If you do not own a home, you can have your apartment modified and the insurance company is required to pay for you to live in a suitable residence.
Victims injured in a Michigan car accident do have legal rights. If you or someone you know has been denied payment of no-fault benefits by their insurance company after an auto accident they have the right to file lawsuit against the insurance company for the denied payment of benefits. There are strict statute of limitations of when a lawsuit may be filed so it is important that if your insurance company denies payment that you contact our experienced Buckfire & Buckfire, P.C. legal team immediately to discuss your case and learn how to file your claim. Often times, the insurance company will purposely take time in denying claims so that the statute of limitations of filing a lawsuit runs out. Do not get run over by the insurance company. If they are giving you a hard time, give our top rated Michigan car accident lawyers a call at (800) 606-1717. We offer free legal advice to anyone injured in a crash, and will represent you in your no-fault insurance lawsuit under our No Fee Promise. This means there are no legal fees whatsoever until we settle your claim. Call now!