Even if you are cautious of your surroundings, you still are not immune to the possibility of being in a car accident. If you or your loved one has suffered any injuries from a recent auto collision, it is important to understand how you can best protect your rights to fair compensation.

What is Michigan's No-Fault Insurance Law?

Under Michigan's amended No-Fault insurance law, people who have been injured in an auto accident can file for a Personal Injury Protection (PIP) benefit regardless of whose actions caused the collision. This benefit will cover all necessary medical bills and lost wages, up to the maximum coverage selected in the affected policy.

What Type of Damage Do PIP Benefits Cover?

There are five types of damage covered by Michigan's PIP benefits: medical expenses, medical mileage, wage loss, replacement services and attendant care. However, the maximum coverage will vary based on the medical benefits coverage level in the insurance policy under which you have filed your claim.

Where Do I File for PIP Benefits?

You must file a PIP benefits application with your own auto insurance company. If you do not have your own policy, you can file your application under your spouse's or other family member's insurer, so long as you live in the same household.

Is There a Time Limit for My Application?

Yes, there is. You must apply for PIP benefits within one year from the date of your accident. Failing to do so within this period will result in the rejection of your claim.

When Will I Be Able to Receive My PIP Benefits?

Your auto insurance company must pay your PIP benefits within 30 days of receiving "reasonable proof" of what they owe. The three most common types of reasonable proofs are as follows:

  • Your no-fault benefits application
  • Your attending physician's report form
  • Your employer's wage loss verification form

If the insurance company fails to provide your payment in the allotted time, they will need to pay an interest rate of 12% per year on the total overdue balance.

Recovering from your injury while also trying to handle your insurance claim can be challenging. If you need more guidance about your PIP benefits application, an attorney can provide comprehensive support, helping you receive the compensation that you deserve.

Frequently Asked Questions

What is Michigan's No-Fault Insurance Law?

Under Michigan's amended No-Fault insurance law, people who have been injured in an auto accident can file for a Personal Injury Protection (PIP) benefit regardless of whose actions caused the collision. This benefit will cover all necessary medical bills and lost wages, up to the maximum coverage selected in the affected policy.

What Type of Damage Do PIP Benefits Cover?

There are five types of damage covered by Michigan's PIP benefits: medical expenses, medical mileage, wage loss, replacement services and attendant care. However, the maximum coverage will vary based on the medical benefits coverage level in the insurance policy under which you have filed your claim.

Where Do I File for PIP Benefits?

You must file a PIP benefits application with your own auto insurance company. If you do not have your own policy, you can file your application under your spouse's or other family member's insurer, so long as you live in the same household.

Is There a Time Limit for My Application?

Yes, there is. You must apply for PIP benefits within one year from the date of your accident. Failing to do so within this period will result in the rejection of your claim.

When Will I Be Able to Receive My PIP Benefits?

Your auto insurance company must pay your PIP benefits within 30 days of receiving "reasonable proof" of what they owe. The three most common types of reasonable proofs are: your no-fault benefits application, your attending physician's report form, and your employer's wage loss verification form. If the insurance company fails to provide your payment in the allotted time, they will need to pay an interest rate of 12% per year on the total overdue balance.