Auto accident drivers can benefit from Michigan’s no-fault insurance policy and receive compensation for the damages. However, according to state laws, auto drivers must buy no-fault insurance in Michigan that supports the drivers and victims in managing expenses after an accident. 

Is Michigan a No-Fault State?

A no-fault state is where no driver is at fault and all the parties are compensated regardless of who was at fault. No one has to prove each other’s fault and the victims can file for compensation to their own insurance company than that of the other party. There are 12 no-fault states in the USA which includes;

1. New York
2. Florida
3. Hawaii
4. Kansas
5. Kentucky
6. Massachusetts
7. New Jersey
8. New Dakota
9. Minnesota
10. Pennsylvania
11. Utah
12. Michigan

Michigan is a no-fault state which means the state will not hold any party involved in the accident accountable for the accident. If you live in Michigan, you must understand what it means to be a no-fault state and how to benefit from it. If you, unfortunately, experience a car or auto accident in Michigan and are a no-fault insurance policyholder. It provides you with a certain amount of money as compensation for your financial damages. Other no-fault states include

Michigan No-fault Insurance Lawyer

Car accident victims can experience an overwhelming state of trauma due to personal injuries and property damages. Therefore, a no-fault insurance lawyer in Michigan can help the victims understand their legal rights and the benefits they can avail of under state law.   

Related Post: How to file a no-fault insurance claim in New York

Benefits For Drivers

There are several benefits of Michigan’s no-fault insurance for drivers. Life after an accident can be troubling for the victims, especially if they suffer critical personal injuries and property damages. In such a situation, Michigan state applies the no-fault rule on the policy-holding drivers. And therefore, provides compensation that covers the following expenses including;

• Medical bills
• Medical transportation expenses
• Wage loss
• Household replacement services
• Damages to the other party
• Attendant care services

Features of No-fault Insurance Policy in Michigan

Usually, there are various types of no-fault insurance in Michigan, and the drivers need to understand them in detail to get maximum compensation and fair relief from the insurance company. These types include

• Personal Injury Protection (PIP) 
• Property Protection Insurance 
• Residual liability Insurance

Personal Injury Protection

Personal Injury Protection (PIP) insurance allows you to get compensation for medical bills generated for the treatment of personal injuries. The state will also provide you compensation for lost wages you might have earned if the accident didn’t happen. The PIP insurance feature also provides you $20 per day for household and replacement services. Overall, the state laws in Michigan ensure to reduction of the suffering of the victims as much as possible. The PIP coverage options include

• Unlimited coverage
• $50,000  per person, per accident
• $250,000 per person, per accident
• $500,000 coverage

Property Protection Insurance

The property protection feature provides up to $ 1 million compensation for the damages that your car accident caused to other properties like buildings and fences. PPI also covers the damages your car caused to the other party’s vehicle. 

Residual liability Insurance

Residual liability Insurance protects the insurers from being sued except;

• If the other person is killed, seriously injured, or disfigured
• If the other person is not a resident in Michigan or has a car which is not registered in Michigan  
• If you are involved in an accident in a state other than Michigan
• You can be sued for up to $1000 if  you are 50% or more at fault and caused damage to a car which was not insured

No-fault insurance is mandatory for anyone who drives in Michigan. It provides coverage for damages in case of car accidents and eases the sufferings of the victims. As discussed above, your insurance company will provide the compensation once you file the claim. Moreover, if the damages exceed the coverage limit, then you can also file a lawsuit with the insurance adjuster.

of the other party who was responsible for the accident. An experienced Michigan Insurance attorney can help you recover the damages without hustle.