Michigan requires that Auto Insurance be “No-Fault” insurance – meaning that your insurance policy will cover most of the economic losses that result from an automobile accident, no matter who was at fault (you or another driver).
You may hear references to First-Party Benefits and Third-Party Benefits when it comes to your auto insurance paying benefits after an accident.
- First-Party Benefits cover economic losses, and are payable to anyone who suffers from an injury as a result of owning, operating, maintaining, or using a motor vehicle.
- Third-Party Benefits are usually coverage for non-economic losses, damages that are awarded for things like pain and suffering.
Insurance payouts can get complicated – especially if you are an innocent passenger in a vehicle that is in an auto accident. Whose insurance is responsible for covering you? If you or a loved one have been in an automobile accident, contact Bohikian Law today and find out how we can help you to navigate the insurance tangle to get you the benefits you need and are legally entitled to.
You may be entitled to benefits covering some or all of the following:
Medical Bills for Life
Automobile Accident Law in Michigan requires that insurance companies cover your accident-related medical needs for life (or for as long as you require treatment and care for the injuries you received in the accident). Getting your medical bills paid after a Michigan motor vehicle accident can be complicated – if you are in this situation, contact Bohikian Law today to find out more about your legal rights.
Under Michigan’s No-Fault law, someone injured in an auto accident can receive up to 85% of lost wages, should a doctor find that the individual has been disabled to the point that work is not possible. There are some bounds around this benefit – for example, the wage loss benefit cannot continue for a period longer than 3 years, and the wage loss benefit is capped at 85% of lost earnings (since this benefit is tax-free). There is also a maximum on the amount of lost wages that an insurance company is required to reimburse – if you or a loved one are facing auto accident-related disability, please contact Bohikian Law today to find out more about the benefits you may be legally entitled to receive.
Michigan’s Auto Accident Laws require that if you are injured in an automobile accident, and a doctor determines that you require supervision or assistance while recovering at home, the insurance company must pay for your attendant care (nursing services) while you recover. If your caregiver is a family member, he or she is entitled to reimbursement. While there is not a specific hourly rate set for this type of care, the reimbursement should be in line with the type and complexity of the care given.
There are also other types of reimbursements and economic assistance legally required for victims of auto accidents (mileage reimbursement for driving for medical care, replacement service assistance to help with everyday chores, etc). If you or a loved one have been injured in an automobile accident, contact us today and let us worry about getting you the benefits that you are legally entitled to receive.