Michigan Car Crash Insurance: Quick Review of No-Fault Benefits

Michigan Car Crash Insurance: Quick Review of No-Fault Benefits

by / Thursday, 06 February 2014 / Published in Goodwin & Scieszka, Motor Vehicle Accidents, Personal Injury

Considering how many car accidents I saw driving into work yesterday, I thought it would be a good idea to refresh your memory about Michigan’s No Fault key provisions.

What is covered under the No-Fault act? The act covers “ownership, operation, maintenance, or use of a motor vehicle. A motor vehicle means any vehicle with two or more wheels and is designed for the public highway (including trailers).

  • Motorcycles are excluded from this definition
  • Motorcycles must carry liability insurance

You have to meet the statutory threshold to sue in civil court: death, permanent disfigurement, or a serious impairment of a body function.

Man and woman on phones after car accident

So what’s the minimum amount of No-Fault insurance coverage that you need in Michigan?

  • $20k per person
  • $40k per accident
  • $10k for property damage

So, what is recoverable?

Economic loss: first party claimants are entitled to:

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 are entitled to no less than 15% of your current wage
  • Replacement services – $20 a day for household tasks that the injured party can no longer perform, and this is also payable up to 3 years
  • Survivor’s loss, which covers the loss of financial support that your dependents would have received from the deceased (payable up to 3 years)

Our Southfield, Michigan personal injury firm has been fighting for Detroit and Metro Detroit car, motorcycle, snowmobile, and bus accidents for over 30 years. If you’ve been injured, then our firm is here for you. We handle any and all personal injury claims:

Dog bites
Slip and falls
• Intentional torts
• Assault and battery
• Premise liability
Medical malpractice
Birth trauma

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