Michigan No-Fault Insurance Claims
10 Things You Need to Know About No-Fault Insurance
If you are going to move it, insure it. If you are hurt in an accident
while driving an
uninsured car owned by you, no car insurance will pay your medical bills, wage loss,
or replacement loss and you cannot sue the person at fault. If someone
else is hurt in an uninsured car you own, you
may be required to reimburse the Assigned Claims Fund for No-Fault benefits
it may pay for those injured in the accident.
After an accident you only have
one year to notify your insurance company and send or deliver your insurance company
an Application of No-Fault insurance.
All medical bills, wage losses, and replacement services
must be paid before the first anniversary of the date the bill or loss was incurred.
Do not let any bill or loss become stale.
- If you are entitled to sue the driver at fault you must generally do so
before the legal time limits expire which is typically within three years
of the accident date.
- You may be entitled to No-Fault benefits for injuries arising out of the
operation, use, or maintenance of a motor vehicle as a motor vehicle even
if you are at fault.
- If you are injured while changing a tire on a motor vehicle, you may be
entitled to No-Fault benefits because changing a tire is considered maintaining
a motor vehicle.
- If you are injured while entering or exiting a motor vehicle you may be
entitled to No-Fault benefits.
- If you are working and are injured in a motor vehicle accident you may
be entitled to both workers' disability compensation and No-Fault benefits.
- Keep track of medical expenses because a bill that is more than one year
old will not be paid by the No-Fault insurance company.
If you drive your own motorcycle it is important to insure it because even
though you are not required to carry No-Fault insurance, you are required
to have liability coverage. If you do not carry liability coverage and
are in an accident, you will
not be entitled to No-Fault benefits.
Contact Upper Michigan Law
If you fit any of the criteria above, or have questions about your eligibility
to file a no-fault insurance claim,
call Upper Michigan Law as soon as possible. We are ready to help you.