More on Michigan No-Fault Insurance Coverage
Yesterday we sparked a conversation about the Michigan No-Fault Act, which mandates that all Michigan drivers have No-Fault insurance benefits.
• You must meet the statutory threshold to sue in civil court: death, permanent disfigurement, or a serious impairment of a body function
• There’s mandated coverage protection:
-$20k per person
-$40k per accident
-$10k for property damage
• Motorcycles aren’t covered under the No-Fault Act, but a trailer you’re hauling is
• Parked vehicles are covered if the vehicle was parked reasonably when the accident occurred
Today, let’s talk about who is covered under the act:
If you have insurance, your spouse or any other relative that’s domiciled in your house is covered. “Domiciled” is a term of art that means the intent to physically reside at a place permanently. Passengers in your car and pedestrians hit by your car are also covered.
Now, here’s a list of people who aren’t covered under the act:
• A person who has unlawfully taken your motor vehicle (except when the person reasonably believed he or she was entitled to drive your car)
• An owner of an uninsured motor vehicle or motorcycle involved in an accident
• Most nonresident occupants of a motor vehicle or motorcycle that’s not registered in the state
• An employee covered by workers’ compensation who is injured while entering, leaving, loading, unloading, or working on a vehicle
Located in Southfield, Goodwin & Scieszka has been fighting for injured drivers in Detroit and Metro Detroit for over 30 years. If you’ve been injured in a serious car accident that wasn’t your fault, call us today. There are many complicated factors that must be weighed when determining whether to file a lawsuit, and our team is here to help you make that determination. Consultations are free! You often don’t pay until we recover money for you. That means our work is contingent on you prevailing.
Be sure to check back often, as we continually update our blog with insight into Michigan law, tips to avoid injuries we commonly defend, and Detroit area personal injury news.
Call Goodwin & Scieszka today and let us fight for the recovery you deserve.