Michigan No Fault Law and First Party Benefits Explained
If you are a resident of the state of Michigan, most of the time your medical bills will be paid by an automobile insurance carrier. Under the Michigan No Fault Auto Insurance law, the state of Michigan mandates that health insurance be a part of all insurance policies issued. Under the No Fault law 100% of all your medical bills for the rest of your life and 100% of all reasonable and necessary services, products and accommodations, related to the accident, must be paid by an auto insurance company. This includes not only medical bills for hospitals and doctors, but for such things as prosthetics, handicap accessible ramps and automobiles, changes to the home, and a host of other necessary products. You are also entitled to mileage to and from your doctors and if you have no car and cannot drive, the insurance company will also pay to have you taken to your appointments.
Your Own Insurance Should Pay For Your Medical Bills After an Accident
Under most circumstances, your own insurance company will pay for your medical bills. Most people are injured while driving a car they own or while driving a vehicle utilized by the household they live in. In this circumstance, the insurance company covering the car will be responsible and you should notify it immediately of the accident and file a No Fault Claim form with the auto insurance carrier. You should demand a No Fault packet to be sent to you, if your carrier did not offer and send one to you after notification of the accident.
No Auto Accident Is The Same. Contact Both Your Insurance Company and an Attorney.
Because there are so many different scenarios in an auto accident and because the law has a complicated set of “priorities” that spell out which insurance company is responsible for medical care under different sets of circumstances, you should not only contact your own insurance carrier, but it would be wise to contact an attorney. Under the law you must contact the correct auto insurer and place it on proper notice within one year of the date of the accident, and if you fail to do this you will be barred from claiming any No Fault Insurance from any insurance company at all.
You Must Bring a Lawsuit Within 1 Year If There Is a Pay Dispute
If there is a dispute as to which insurance carrier should pay or if your insurance carrier refuses to pay medical bills, because your insurance carrier does not believe that medical care is reasonable or necessary or related to the accident, you must bring a law suit with in one year of the date of last service or again you will be barred from the benefits of the No Fault Act.
Contact Us With Your Additional Questions!
The No Fault Act provides sweeping and comprehensive medical care, for your entire life, so long as the treatment is related to the accident. But the law is complicated and thus to preserve these very important and valuable rights you should contact an accident attorney to make sure your rights are protected and enforced.