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