Auto Accidents

No-fault insurance is required by law in Michigan. If you have an auto accident, no-fault insurance pays for your medical expenses, wage loss benefits, replacement services, and the damage you do to other people’s property. It does not matter who caused the accident. Your basic no-fault insurance does not pay for repairs to your car.

No-fault provides Personal Injury Protection (PIP)
If you are hurt in an auto accident, this part of your no-fault policy will pay all of your medical costs. It will also pay up to 85% of the income you would have earned if you had not been hurt, for up to three years. Effective 10/1/15, the maximum is $5,398 per month. If you are killed in an accident, your policy will pay your family up to $5,398 per month for three years, depending upon what they would have received from your earnings and fringe benefits. In addition, you are entitled to “up to” $20 per day in replacement services. This is to pay for routine household services which injured persons are no longer able to provide for themselves or their families, such as housekeeping and yard work. Also, PIP provides reimbursement for nursing services, if needed, at home.

Third party liability
The no-fault law protects insured persons from being sued as a result of an auto accident except where you cause an accident in Michigan in which someone is killed, seriously injured, or permanently disfigured.

A man was injured in a car accident when he was struck by another driver who failed to stop at a stop sign. The injuries included a broken femur. He was off work for several months and required surgery. He needed replacement and nursing services. He was able to sue the other driver because the other driver was at fault and his injuries were serious. The insurance company for the negligent driver only offered to pay $100,000. After retaining Gafkay Law, PLC, the injured driver recovered seven times that amount in a settlement of $750,000.

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