What is Covered Under the No-Fault Act?
The Michigan No Fault Act covers “ownership, operation, maintenance, or use of a motor vehicle.” A motor vehicle is any vehicle with two or more wheels that is designed for the public highway (including trailers). Motorcycles are excluded from this definition and require liability insurance.
You have to meet the statutory threshold to sue in civil court. This includes death, permanent disfigurement, or a serious impairment of a body function.
So, what’s the minimum amount of No-Fault insurance coverage you need in Michigan?
- $20k per person
- $40k per accident
- $10k for property damage
What is recoverable?
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)
If your insurer refuses to pay your benefits and you have a valid claim, your attorney’s fees will be covered by the insurer in the event you have to take them to court to recover.
Goodwin and Scieszka has been handling Michigan automobile accidents for over 30 years:
If you’ve been injured in Detroit or Metro Detroit, our Southfield personal injury firm is here for you. Get the recovery you deserve today.