A claim for no-fault insurance benefits is a request for an insurance company to provide reimbursement for costs resulting from an injury sustained in an accident. Michigan laws govern the insurance claim process, including how long you have to file a claim and any caps on coverage. Michigan car accident lawyer Marc J. Shefman gives the basic facts about 1st party no-fault insurance benefits and claims.
No-Fault Insurance Benefits in Michigan
No-Fault insurance benefits are available under Michigan insurance laws. The law requires that every owner of a car must buy certain basic car insurance coverages in order to get license plates. If you have a motor vehicle accident, no-fault insurance pays for the following:
- Medical expenses for you and others in your family involved in the accident
- Benefits for your loss of wages due to injuries sustained in the accident
- Replacement services for routine household chores such as yard work and housekeeping
- Damage to other people’s property resulting from the accident
- IMPORTANT: basic no-fault insurance does NOT pay for repairs to your car
There are two types of insurance claims that can be filed to obtain no-fault insurance benefits: first party claims and third party claims. A first party insurance claim is filed with your own insurance company. A third party insurance claim is filed with the insurance company of another person or entity.
1st Party Claims for No-Fault Insurance Benefits
The type of claim you should file depends on who was at fault in your accident. If you were injured in a motor vehicle accident, one of the first things you should do after receiving medical treatment is file a claim with your insurance company. This insurance claim is one way to “claim” or pursue the compensation for your injuries and other losses that your no-fault insurance policy provides. Michigan is a no-fault state, therefore, you may file a 1st party claim even if you were at fault for the accident.
1st party no-fault insurance benefits are an important part of Michigan motor vehicle insurance laws, but they are typically not understood by most people. Rather than trusting to an impersonal insurance company to see after your best interests, The Law Offices of Marc J. Shefman suggest you seek the services of an experienced car accident lawyer. Marc Shefman will see that you receive all the no-fault insurance benefits to which you are entitled under the law.
Marc J. Shefman – Michigan Car Accident Lawyer
If you encounter problems obtaining your no-fault insurance benefits from the insurance company, your next option is to file a personal injury lawsuit against the person or entity responsible for the accident that caused your injuries. A personal injury lawsuit requires a thorough knowledge of Michigan laws and the legal system. Therefore, it is always best to consult with a personal injury lawyer.
Marc J. Shefman is an experienced Michigan car accident lawyer and personal injury lawyer serving Metro Detroit, including Oakland, Lapeer, Livingston, St. Clair, Macomb, and Wayne, Genesee, and Washtenaw Counties. Call (248) 298-3003 or contact us online to arrange your free consultation to learn more about how to file a claim for no-fault insurance benefits.