Collection Assistance for Michigan’s PIP No-Fault 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.

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.