In 2021, Michigan was the location of 282,640 car accidents, according to the Michigan Traffic Crash Reporting Unit, resulting in 1,131 deaths and 71,246 injuries.
It can be challenging to try to navigate the complex no-fault accident laws in Michigan. But it may be necessary to file a claim to protect your legal rights and ensure you get the compensation you deserve.
At Sword & Shield Injury Attorneys, we have over 50 years of combined experience fighting for car accident victims. Joshua Davis was in a traumatic car accident in 2011, which inspired him to become an attorney and fight for those injured in collisions.
What Is No-Fault Insurance?
Under no-fault insurance coverage, insurance companies typically pay out according to the coverage limits without the policyholder having to prove another driver was at fault.
Who Pays for Car Damage in a No-Fault State?
There are some circumstances where an at-fault driver may still be liable for causing damages in a car accident. But you generally need to exhaust your options under your insurance policy or meet other conditions before filing a lawsuit. Because of the complexity involved in these types of claims, it is best to talk with a no-fault accident lawyer to understand your options adequately.
Is Michigan a No-Fault State?
Michigan is a no-fault state, and you can file a claim under your own insurance policy regardless of fault. There are three components of Michigan auto insurance:
- Personal injury protection,
- Property protection, and
- Residual liability insurance for bodily injury and property damage.
Each of these parts plays a different role in providing Michigan drivers with insurance coverage. The current law allows drivers to scale up or down the protection they have by giving them flexibility and autonomy when choosing coverage. That said, there are minimum coverage amounts and policy types drivers must carry to purchase or renew license plates.
In addition to the minimum required policies, drivers may carry additional coverage, such as collision and comprehensive insurance.
Personal Injury Protection Insurance
Personal injury protection (PIP) covers the following:
- The reasonable cost of your medical expenses,
- Limited wage replacement benefits for up to three years, and
- $20 per day for replacement services to have someone do household chores and yard work if you cannot do so.
The exact amount the insurance company agrees to pay depends on the specific policy and the applicable law. The precise amount of the wage replacement benefits is adjusted annually.
Property Protection Insurance
The minimum property protection insurance (PPI) policy covers up to $1 million in damages caused by your car to other people’s property and legally parked vehicles. Typically, PPI does not cover damages to other cars involved in the collision, including your own.
Residual Liability Insurance—Bodily Injury and Property Damage
Residual liability insurance protects you against being sued for causing an accident. But Michigan allows individuals to file a personal injury lawsuit against you for a car accident in only limited circumstances, such as if the accident resulted in someone’s death, serious injury, or disfigurement.
Can You Sue a Driver in Michigan for an Accident?
You can sue a driver in Michigan for causing an accident if your damages exceed what is covered by your PIP policy. A Michigan car accident lawyer can help you understand your legal options, given your unique situation.
Sword & Shield Injury Attorneys: No-Fault Accident Attorneys Serving Michigan
Car accidents can forever change your life, causing significant damage to your sense of self, your finances, and your relationships. But you are not alone.
Wendell Davis, Jr. has been practicing law since 1983, serving as a zealous advocate for personal injury victims. Joshua and Wendell commit themselves to infusing their approach to the practice of law with both faith and fight. Clients praise Sword & Shield Injury Attorneys for their high level of professionalism, for putting people first, and for getting results.
If you have been injured in a car accident, call our team today at 844-767-5291 or contact us online to schedule a consultation.