After a Lansing car accident, Michigan’s no fault insurance system generally requires your own auto insurance to pay for medical bills and certain other losses, regardless of who caused the crash. These benefits are provided through personal injury protection coverage, while other damages may be handled separately. The sections below explain how Michigan no fault insurance works after a Lansing car accident and what it typically covers.
What No Fault Insurance Means in Michigan
Michigan’s no fault system requires drivers to carry personal injury protection coverage. This coverage is designed to pay for certain losses after a car accident without needing to prove fault.
After a Lansing car accident, injured drivers usually turn to their own insurance company first for benefits covered under no fault.
Medical Bills Are Typically Covered First
One of the primary components of no fault insurance is coverage for medical expenses related to accident injuries. This can include hospital care, doctor visits, rehabilitation, and certain other treatment costs.
Medical benefits are generally paid by the injured person’s own insurer rather than the other driver’s insurance.
Wage Loss and Replacement Services
No fault insurance may also cover a portion of lost wages if an injury prevents someone from working. These benefits are typically limited in amount and duration under Michigan law.
Replacement services may also be available for tasks the injured person cannot perform, such as household chores.
Property Damage Is Handled Separately
Vehicle damage is not covered by personal injury protection. Damage to vehicles is usually handled through collision coverage or claims against the at fault driver, depending on the circumstances and insurance coverage involved.
Understanding the distinction between injury benefits and property damage helps avoid confusion after a crash.
When Fault Still Matters
While no fault insurance covers certain benefits regardless of fault, fault can still matter in some situations. Claims for pain and suffering or excess economic losses may depend on who caused the accident and whether legal thresholds are met.
Not all accident related losses are resolved through no fault benefits alone.
Common Misunderstandings About No Fault Insurance
Many people believe no fault insurance eliminates the need to determine fault entirely. In reality, fault can still play a role in certain claims beyond basic benefits.
Understanding what no fault covers and what it does not helps set realistic expectations after a Lansing car accident.
Understanding Michigan No Fault Rules After Lansing Accidents
Michigan’s no fault system can feel complex, especially immediately after an accident. Understanding how benefits are paid and when fault becomes relevant can help Lansing drivers navigate the aftermath of a crash more confidently.