What Do You Collect Under Michigan’s No-Fault Insurance Policy?

What Do You Collect Under Michigan’s No-Fault Insurance Policy?

by / Thursday, 23 January 2014 / Published in Goodwin & Scieszka, Motor Vehicle Accidents

For the last couple days, we’ve been discussing the statutory No-Fault Insurance policies that all Michigan drivers are required to have.

Today let’s talk money: what do you get when you’re involved in a serious car accident? More specifically, what can you collect from your insurer?

First things first, there are no pain and suffering damages under the Michigan No-Fault insurance act. Pain and suffering damages are esoteric numbers that we use to try and compensate injured parties for the pain they’ve suffered as a result of their injuries.

Antique car with roof of the car smashed

So, what is recoverable?

  • Medical expenses – hospital visits, doctor services, medical equipment
  • Physical, mental and social or vocational rehabilitation
  • Funeral expenses – minimum statutory requirements being $1,750
  • Wage loss benefits – payable up to 3 years, you’re entitled to no less than 15% of your current wage
  • Replacement services – $20 a day for household tasks the injured party can no longer perform. This is also payable up to 3 years
  • Survivor’s loss - covers the loss of financial support that your dependents would have received from the deceased (payable up to 3 years)

There’s a 1-year statute of limitations on all 1st party claims! Don’t wait — if you’ve been injured, contact your insurer as soon as possible. Your claim will die a year following the car crash.

If your insurer refuses to pay your benefits and you have a valid claim, your attorney fees will be compensated by the insurer in the event you have to take them to court to recover.

Goodwin & Scieszka has been handling motor vehicle cases in Detroit and Metro Detroit for over 30 years, including those involving:

  • Cars
  • Motorcycles
  • Snowmobiles
  • Buses
  • Garbage trucks
  • Snowplows

If you’ve been injured,  our Southfield, Michigan personal injury law firm is here for you. Call today and let us fight for the recovery you deserve.

If you have been injured in any type of accident, contact us immediately by phone or email. You pay nothing until we take your case to trial or settle. With over 30 years of litigation experience representing the “little guy” against the largest insurance companies, corporations, and hospitals, we’ll get you the money you deserve.

Visit our website to find out more information on the services we provide and why we have been named Michigan Super Lawyers for the last eight years and Dbusiness’s Top Lawyers for the last three. Whatever your accident or injury, we are ready to Win Your Case!

Call us at 1-888-GOODWIN (466-3946)

Email Scott Goodwin