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