As a top-rated Michigan no-fault car accident lawyer, we want you to know that your personal injury claim will likely be complicated. The reason is because our state is one of few that is goverened by no-fault laws, and Michigan no-fault law can be very difficult to understand.
We have been handling Michigan no-fault cases since 1936, helping several people obtain their no-fault benefits. Many of our clients are aware that they live in a no-fault state, but they don't fully understand how it will affect their personal injury claim. And since Michigan law requires everyone who registers a vehicle with the Michigan Secretary of State to carry liability insurance, it's critical that you fully understand no-fault law.
Because Michigan is a "No-Fault" State, your insurance company will pay most of the economic losses you suffer in a car accident, regardless of who was at fault. These economic benefits are called "First-Party" benefits. Michigan First-Party benefits include:
Michigan's order of priority is another important aspect of Michigan no-fault law. If you were the passenger or driver of an insured vehicle, that vehicle’s insurance company will pay first-party benefits if you were injured in a car accident. However, it's also possible that you were injured while driving or while a passenger in a car that doesn't have insurance and that you don't own. If this is the case, determining who is responsible for paying Michigan No-Fault, First-Party Benefits can be complex. The following order of priority will apply:
If you are a pedestrian injured by an uninsured motor vehicle the following order of priority will apply:
Motorcycles are not considered "motor vehicles" under Michigan law. In the case of a motorcycle/auto collision the order of priority for payment of First-Party benefits would apply as follows:
If there is absolutely no insurance to cover the injuries you sustatined in your accident, the State of Michigan Assigned Claims Facility becomes your last resort. The Michigan Assigned Claims Facility was designed to provide you with financial help in the event that you are involved in an unisured car accident, and have no insurance coverage of your own.
Who is eligible?
Any uninsured person, whether they are a Michigan resident or not, may submit an injury claim to the Assigned Claims Facility, as long as they were injured in an accident in Michigan, either while riding in or being struck by an uninsured Michigan-registered vehicle.
Motorcyclists are eligible if they have been in an accident with an uninsured motor vehicle (not another motorcycle), and do not have other insurance to cover the resulting medical bills.
Who is not eligible?
Benefits are not available from the Assigned Claims Facility to the owner or registrant of an uninsured car or motorcycle injured in an accident while driving or riding in his or her own vehicle or motorcycle. Drivers of stolen cars or motorcycles are not eligible for benefits.
If you've made it this far, it's easy to understand how complex your Michigan No-Fault accident claim can become. On top of this, it's also possible that the insurance company is denying your Michigan personal injury claim based on liability issues. There are several reasons to contact a Michigan accident lawyer, and it's very possible that our advice and guidance may save your claim.
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Contact us today for a free, no obligation consultation about your personal injury legal needs.
Keller and Keller
2850 North Meridian Street
Indianapolis, IN 46208-4713
Phone: 317-926-1111
Toll Free: 800-253-5537
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New Mexico Office:
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Albuquerque, NM 87102
Phone: 505-938-2300
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Indianapolis, IN 46208-4713
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Granger, IN 46530-9186
Phone: 574-277-7773
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St. Joseph, MI 49085
Phone: 269-983-7333
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