Michigan No-Fault Insurance Claims

10 Things You Need to Know About No-Fault Insurance

1) If you are going to move it, insure it. If you are hurt in an accident while driving an uninsured car owned by you, no car insurance will pay your medical bills, wage loss, or replacement loss and you cannot sue the person at fault. If someone else is hurt in an uninsured car you own, you may be required to reimburse the Assigned Claims Fund for No-Fault benefits it may pay for those injured in the accident.

2) After an accident you only have one year to notify your insurance company and send or deliver your insurance company an Application of No-Fault insurance.

3) All medical bills, wage losses, and replacement services must be paid before the first anniversary of the date the bill or loss was incurred. Do not let any bill or loss become stale.

4) If you are entitled to sue the driver at fault you must generally do so before the legal time limits expire which is typically within three years of the accident date.

5) You may be entitled to No-Fault benefits for injuries arising out of the operation, use, or maintenance of a motor vehicle as a motor vehicle even if you are at fault.

6) If you are injured while changing a tire on a motor vehicle, you may be entitled to No-Fault benefits because changing a tire is considered maintaining a motor vehicle.

7) If you are injured while entering or exiting a motor vehicle you may be entitled to No-Fault benefits.

8) If you are working and are injured in a motor vehicle accident you may be entitled to both workers' disability compensation and No-Fault benefits.

9) Keep track of medical expenses because a bill that is more than one year old will not be paid by the No-Fault insurance company.

10) If you drive your own motorcycle it is important to insure it because even though you are not required to carry No-Fault insurance, you are required to have liability coverage. If you do not carry liability coverage and are in an accident, you will not be entitled to No-Fault benefits.

Contact Upper Michigan Law

If you fit any of the criteria above, or have questions about your eligibility to file a no-fault insurance claim, call Upper Michigan Law as soon as possible. We are ready to help you.