Michigan’s no-fault insurance system can be pretty complex for the average Joe. It often leaves drivers in the dark about their rights and responsibilities after an accident. What to do after a Lansing car crash isn’t always clear, especially when dealing with insurance claims, medical bills, and liability issues. Whether you are a Lansing, Michigan resident or simply driving through the state, understanding the law is crucial. Being aware of the ins and outs of Michigan’s auto insurance laws can make or break your trip. This article will break down no-fault insurance, your rights after an accident, and explain how an attorney can help you. For guidance with your own situation, turn to the legal team at The Clark Law Office.
Some Changes to Michigan’s No-Fault Insurance Laws
In a nutshell, Michigan’s no-fault insurance system requires drivers to carry personal injury protection (PIP). PIP basically covers things like medical expenses, lost wages, and other costs, no matter who causes the accident. This aims to reduce the burden on the court system and provide quick financial relief to those involved in car accidents.
In July 2020, Michigan introduced some changes to its no-fault insurance laws, which now allow drivers to choose their level of PIP coverage. Drivers can now opt for different coverage levels based on what they need and their financial situation. These changes aim to make protection less expensive and more accessible while still providing necessary protection for accident victims.
What Does No-Fault Insurance Mean in Michigan?
Michigan operates under a no-fault auto insurance system. This means that, after an accident, the driver’s insurance will cover medical expenses and damages. This is regardless of who was at fault for the accident.. Unfortunately, it also means that pursuing compensation beyond the given insurance coverage can be challenging.
The key components of Michigan’s no-fault insurance are:
| Coverage Type | What It Covers | Who It Protects | Fault Requirement | Coverage Limits |
|---|---|---|---|---|
| Personal Injury Protection (PIP) | Medical expenses, lost wages, and rehabilitation costs | Driver, passengers, and sometimes pedestrians | No-fault (pays regardless of who caused the accident) |
|
| Property Protection Insurance (PPI) | Damage to tangible property (legally parked vehicles, fences, buildings, trees) | Property owners (not including your own vehicle) | No-fault |
Up to $1 million per claim for repairs/replacement. Excludes: Vehicles parked unsafely, trailers, vehicle contents, utility lines. **No coverage for out-of-state accidents.** |
| Residual Bodily Injury & Property Damage (BI/PD) Liability | Covers lawsuits for serious injury, death, or out-of-state property damage | Other parties injured or affected by the accident | At-fault (driver must be found legally responsible) |
Default Limits: $250,000 per person / $500,000 per accident for injuries or death; $10,000 for out-of-state property damage. Lowest Available: $50,000 per person / $100,000 per accident. |
Understanding Michigan’s Auto Insurance Laws
In 2020, Michigan added some reforms to its no-fault insurance law. The details are as follows:
- Choice of PIP coverage: Drivers can now select different levels of PIP coverage instead of the previously mandatory unlimited coverage.
- Fee schedule for medical providers: Limits the amount medical providers can charge auto-insurers for treatment, which aims to reduce costs.
- Increases consumer protection: More protective measures are in place for accident victims, which regulate insurance providers and deal with fraud investigations.
These changes have led to a reduction in insurance premiums for some and aim to make the process easier for the average person to get compensated after an accident. However, this can sometimes mean that if the costs you need exceed what insurance can provide, you’ll have a harder time getting damages.
What Are Your Rights After Getting Injured in Michigan?
Even with no-fault insurance, injured individuals still have legal options to seek more compensation. This is needed, especially in cases of severe injury or negligence.
Your rights typically include damages such as:
- Medical expense coverage: Your PIP benefits cover medical bills, rehabilitation costs, and in-home care.
- Lost wages: PIP covers up to 85% of lost income (subject to limits) for up to three years.
- Pain and suffering claims: If you suffer a “serious impairment of body function,” you can claim for additional damages.
- Wrongful death lawsuits: Families of deceased victims may file claims for loss of companionship and financial support.
What to Do After an Accident in Lansing, MI
Being involved in an accident is extremely overwhelming, but taking the right steps promptly can help protect your rights and ensure an easy legal process. Here’s what you should do after an accident:
- Call 911: Get medical help immediately. Make sure that medical assistance is provided to all accident victims. Report the accident to law enforcement as soon as possible.
- Gather Evidence: Take photos of the accident scene, vehicle damage, and any injuries you sustained. If you can, gather witness statements and take videos and recordings too.
- Exchange Information: Aside from gathering evidence, ask for names, contact numbers, and insurance information from all individuals involved.
- Notify Your Insurance Company – Report the accident as soon as you can to begin claiming damages.
- Consult a Lawyer – If injuries or damages are severe, a lawyer can help you deal with the claims process. An attorney can also help you deal with other legal issues surrounding the accident.
How a Car Accident Lawyer Can Help in Lansing, MI
Facing Michigan’s no-fault system and recent legal changes can be complicated, especially when dealing with serious injuries. A car accident lawyer can help you by:
- Evaluating your claim and determining other compensation you may be entitled to.
- Negotiating with your insurance company so you can receive a fair settlement.
- Filing a lawsuit, if necessary against negligent parties for pain and suffering damages.
- Ensuring compliance with deadlines for filing claims under Michigan law.
At The Clark Law Office, we handle car accident, truck accident, and motorcycle accident cases in Lansing and the surrounding areas. Our experienced attorneys are dedicated to fighting for the rights of accident victims.
Contact The Clark Law Office Today For a Free Consultation
If you or a loved one has been injured in a car accident in Michigan, don’t deal with the complicated system of no-fault insurance alone. Our experienced Lansing personal injury attorneys at The Clark Law Office are here to help you get the compensation you deserve. Our personal injury lawyers in Lansing help ensure that our clients’ cases get equal attention. We tailor our legal strategies according to their needs to maximize their compensation.
Our skilled injury attorneys will handle your car accident case seriously. We can help you gather and examine evidence, negotiate with insurance companies, and represent you in court if needed. We work hard to secure the best possible outcome for our clients, no matter how difficult the case may be. Don’t let anything prevent you from getting the compensation you need. Contact us today for a free consultation!
Frequently Asked Questions About No-Fault Insurance for Lansing Drivers
What is Michigan’s no-fault insurance system?
Michigan’s no-fault system requires drivers to carry Personal Injury Protection (PIP), which covers medical expenses and lost wages after an accident, no matter who was at fault. It ensures quick financial relief but limits lawsuits except in serious cases.
What does Personal Injury Protection (PIP) cover?
PIP covers medical bills, lost wages (up to 85% of income for three years), and rehabilitation costs. Drivers can choose from six coverage levels, including unlimited, $500,000, $250,000, and options for Medicaid and Medicare enrollees. If no selection is made, unlimited coverage applies.
Does no-fault insurance cover vehicle damage?
No. Michigan’s no-fault insurance does not cover repairs to your own vehicle unless you have collision coverage. Property Protection Insurance (PPI) covers damage your car causes to legally parked vehicles and property, up to $1 million.
Can I sue after a car accident in Michigan?
Yes, but only if you suffer a serious impairment of body function, permanent injury, or wrongful death. You may also sue for damages exceeding your insurance limits. Most minor accidents are handled through PIP coverage.
What should I do after a car accident in Lansing?
Call 911, document the scene with photos and witness statements, exchange insurance information, report the accident to your insurer, and consult a lawyer if you are injured or need help with your claim.
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