Under Michigan law, all drivers are required to carry no-fault automobile insurance. Michigan no-fault auto insurance policies feature a unique type of coverage called Personal Injury Protection (PIP) Medical, which covers costs related to medical treatment, rehabilitation, and even funeral expenses associated with motor vehicle-related accidents and injuries.
Promptly submitting a claim and receiving all the advantages that you are qualified for can help your recovery process and allow you to reclaim your lifestyle. However, the complexity of the no-fault PIP system can make filing a successful claim difficult.
The experienced legal team at Wigod & Falzon is here to provide you with knowledgeable guidance through the no-fault PIP claims process to ensure you receive the compensation you deserve.
Who Is Eligible for Michigan No-Fault PIP Benefits?
To be eligible for PIP benefits in Michigan, you must have been injured in an accident that involved a motor vehicle. This includes accidents involving cars, trucks, motorcycles, and pedestrians who were struck by a motor vehicle.
Michigan’s no-fault system imposes a strict time limit for filing and alerting your claim. Generally, you have just 12 months from the date of the accident to make a claim for PIP benefits. If this timeline is not adhered to, your entitlement to benefits can be lost.
What Are Michigan No-Fault PIP Benefits?
Michigan’s no-fault insurance system grants benefits to individuals with coverage, regardless of who was at fault. PIP benefits are available to cover medical expenses, lost wages, and other expenses related to the injury.
There are several types of benefits available under Michigan no-fault PIP benefits, including:
- Medical expenses: PIP benefits cover reasonable and necessary medical expenses related to the injury, including hospital bills, doctor visits, and rehabilitation.
- Wage loss benefits: If you are unable to work due to your injury, PIP benefits can provide a percentage of your lost wages, up to a certain limit.
- Replacement services: PIP benefits can cover the cost of household services that you are unable to perform due to your injury, such as cleaning or cooking.
- Attendant care: If you require assistance with daily activities due to your injury, PIP benefits can cover the cost of a caregiver.
Why You Need a Michigan No-Fault PIP Attorney
Navigating the claims process for Michigan no-fault PIP benefits can be complex and challenging, with several common issues that can arise along the way.
Additionally, disputes over coverage and the role of medical providers can often complicate the process and delay the payment of benefits.
- Dispute over coverage: When an insurance company denies or limits the benefits you are entitled to, it can be especially frustrating when you are already dealing with the physical and emotional toll of an injury.
- Role of medical providers: Insurance companies may challenge the medical treatment you receive or dispute the necessity of certain procedures or treatments.
- Choice of medical provider: In Michigan, you have the right to choose your own medical provider for the treatment of your injuries. However, your insurance company may require you to undergo an Insurance Medical Examination (IME) with a doctor of their choosing.
- No-fault threshold: To file a claim for non-economic damages (such as pain and suffering) in Michigan, you must meet a certain threshold of injury severity. This means that you cannot simply file a lawsuit for any injury; instead, your injury must meet certain criteria to pursue additional compensation. Your PIP attorney can guide you on how to meet this threshold.
To avoid common mistakes and pitfalls in the claims process, it’s important to understand the requirements for filing a claim and notifying your insurance company in a timely manner. Failure to do so can result in the loss of your right to benefits.
Additionally, it’s important to keep detailed records of all medical treatment and expenses related to your injury.
Experienced Michigan No Fault PIP Benefits Attorneys
At Wigod & Falzon, we have extensive experience with Michigan’s no-fault PIP system and can provide the guidance and support you need to navigate the claims process effectively to ensure that you receive the benefits you are entitled to.
Don’t wait to act if you have been injured in a vehicle-related accident. Contact us today to schedule a free consultation and learn more about how we can help you.