One of the most important considerations when dealing with personal injury claims is the type of car insurance laws in your state. Michigan is one of only a few “no-fault” car insurance states. But what does this actually mean? What impact do these no-fault car insurance laws have on your personal injury claim? What is the difference between a “fault” car insurance state and a no-fault car insurance state?
Questions like these are best answered by qualified legal professionals. If you are in the midst of a personal injury claim in Michigan, it makes sense to team up with a qualified, experienced personal injury attorney as soon as possible. These legal experts can explain every little detail of a personal injury claim in a clear and concise manner. They can also guide you through the injury claim process so you can get the compensation you deserve.
What Does “No-Fault” Car Insurance Mean?
When a state adheres to no-fault car insurance laws, it means that each driver will get compensation from their own insurance policies for their medical bills, regardless of who is to blame for a crash. In the state of Michigan, drivers are required to purchase personal injury protection (PIP) when they get car insurance.
Benefits of “No-Fault” Car Insurance Laws
The benefits of no-fault car insurance laws are quite obvious. Even if no one is to blame for your injuries, you can still get compensation from your insurance provider. In other states, you may need to first establish negligence before getting compensation from an insurance company. Secondly, no-fault insurance laws result in faster payouts, as no investigations are necessary.
Disadvantages of “No-Fault Car Insurance Laws
Living in a no-fault car insurance state also comes with its own set of limitations. First of all, it becomes more difficult to sue other drivers under this system. Suing may be necessary if your insurance policy does not fully cover the extent of your injuries. Due to Michigan’s modified comparative negligence laws, you also can’t sue another driver if you are 50% or more responsible for your own injuries.
Finally, the premiums in no-fault insurance states are typically much higher. This is especially true in Michigan, as there are no caps on PIP limits. This means that individuals may receive lifetime medical payments from their insurance provider after suffering an injury. Combined with the prevalence of fraudulent claims, this means that Michigan is one of the most expensive states in the nation when it comes to car insurance.
Get Help from a Qualified Personal Injury Attorney Today
If you’ve been searching Michigan and the Grand Rapids area for a qualified personal injury attorney, look no further than the Neumann Law Group. We can assist you with virtually every aspect of your personal injury claim, and we can explain concepts like “no-fault” car insurance in a straightforward manner.
Neumann Law Group
250 Monroe Ave NW, #400
Grand Rapids, MI 49503
Phone: (616) 717-5666
Fax: (231) 221-0051