Understanding Michigan’s No-Fault Car Accident Laws

For drivers in Grand Rapids, MI, no-fault car insurance laws are a pretty big deal. These rules are all about getting you quick payment for injuries and damages from car accidents, cutting out the need to argue over who was at fault; but there are still some situations where you will need a car wreck lawyer. Here’s what Michigan’s no-fault system means for you as a driver.

What Does No-Fault Mean?

“No-fault” car insurance means that if you’re in a car accident, your insurance covers you no matter who caused the accident. This setup cuts down on the need to figure out who was at fault and then sue them for damages. Instead, you and anyone else involved just work with your own insurance companies to handle claims.

Personal Injury Protection (PIP)

Medical Expenses

This part of your PIP goes all out, covering medical costs related to the accident. We’re talking everything from your first emergency treatment to any rehab sessions down the road.

Wage Loss Benefits

If your injuries keep you from working, PIP helps make up for lost income. It covers up to three years after the accident.

Replacement Services

If you’re laid up and can’t manage tasks around the house, PIP chips in. You can get up to $20 a day for up to three years to cover services like cleaning or lawn care.

Survivor’s Loss Benefits

If the worst happens and someone passes away in an accident, PIP provides for their dependents. Compensation can include lost income and can also help cover funeral expenses.

Property Protection Insurance (PPI)

Your no-fault insurance also includes PPI, which covers you for up to $1 million if your car damages other people’s property. That’s a big help if you damaged a fence or a garage in the accident.

Residual Liability Insurance

Although Michigan’s laws protect you from most lawsuits, you still need extra liability insurance just in case. This coverage is important if you’re involved in an accident outside of Michigan. It’s also important if you’re in an accident that leads to serious injuries or death, helping to cover legal costs and potential damages.

Recent Changes to Know About

As of July 2020, you can choose how much PIP coverage you want. This could mean unlimited benefits, lower levels, or even opting out of medical benefits completely if you meet certain criteria. This change lets drivers potentially lower their insurance costs.

When to Contact a Car Wreck Lawyer in Grand Rapids, MI

After a car accident, reaching out to a lawyer can be a smart move, especially if your case is complex. Maybe you’re dealing with serious injuries or you’re in a situation where fault is up for debate. Having a lawyer on your side can make a big difference.

Michigan’s no-fault laws are designed to simplify the aftermath of car accidents by providing quick payouts and covering your essential needs without fussing over fault. If you’re in a more complicated situation, with serious injuries or damage, call Holmes and Wisely, P.C. to make sure your rights are protected.

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