Understanding No Fault Statutes in the State of Michigan
The difference between Michigan and no fault states is largely the coverage limits. In Michigan, most no fault states set a cap on the PIP limit but Michigan, until recently, offered unlimited lifetime medical coverage to automobile accident victims. In addition, Michigan does not restrict the type of coverage that an individual driver may carry. These two factors, among others, have made Michigan a popular choice for no fault coverage.
As in the no fault states, the cost of Michigan’s no-fault medical plan is also competitive. Plans in Michigan offer a wide range of coverage to meet a variety of needs. For instance, individuals living in the Belle Isle area who are involved in a major accident will receive benefits equal to those in no fault states. Likewise, persons in the Muskegon area who have no medical expenses other than those incurred in a major accident will receive benefits equivalent to those in no fault states. No matter what part of the state a person lives in, they can be assured of affordable, high quality medical coverage.
Unlike many other states, Michigan offers no-fault insurance to both motorists and passengers. This means that drivers can enjoy the same benefits whether they are involved in a car accident or not. With its emphasis on comprehensive car insurance policies and its no-fault insurance, Michigan has become a leader in the no-fault insurance industry.
The no-fault law allows certain exceptions to be made when a person is involved in an accident. These could include medical and rehabilitation expenses for relatives who are seriously injured during the accident or property damage resulting from it. Additionally, no-fault law allows for property damage resulting from vandalism to a vehicle. Property-damage coverage pays for damage to personal property that is caused by an accident. Personal injury protection, or PIP, also protects against legal fees as well as lost wages.
Medical expenses coverage is another Michigan no fault states’ requirement. It requires that drivers and their passengers have at least the basic minimum medical benefits provided by private health insurance companies. This may include mental health and dental coverage. It also may provide coverage for out-of-network elective surgery or other major medical procedures. If the insured has an existing serious illness, then medical expenses may also cover it.
PIP coverage is required in Michigan under the no-fault insurance system. PIP is short for personal injury protection insurance. It serves as an additional benefit to Michigan’s no fault system. It pays medical and rehabilitation expenses related to an automobile accident, regardless of who was at fault. PIP coverage varies depending on age, disability, how long the claim has gone unpaid, and how much coverage is requested.
Finally, another requirement of a no fault insurance policy in Michigan is liability coverage. Liability coverage covers costs associated with injuries to others caused by an automobile accident in Michigan. It is usually required if you choose a no-fault state. However, many car owners choose this coverage because it may offer them financial protection in case they are sued for damages resulting from an accident.
Car accidents can occur at any time of the day or night, and for any number of reasons. For this reason, no fault laws in Michigan are pretty easy to follow. However, if you become involved in an accident in Michigan despite having the proper coverage, it’s very possible for the law to get you. In fact, Michigan has been known to overturn car insurance claims even when the victims had the right of recourse. Therefore, following Michigan’s no fault statues is often considered very important and can help keep you out of a lot of potentially costly accidents.