How Does No-Fault Insurance Affect Michigan Car Crash Claims?

In the state of Michigan, drivers are required to pay for damages that happen as a result of an accident.  Michigan, along with about a dozen other states, follow a form of insurance called no fault. Where other states assign blame in an accident based on circumstances of what happened, in Michigan that is not the case.

What is No-Fault Insurance?

In Michigan, when there is car accident, insurance companies pay out claims to repair cars, property, and medical coverage regardless of who is at fault in an accident.  That means a driver could rear-end another driver as the result of texting at the wheel and their insurance company would still pay for the damages.

In other states, a formula is applied to learn how much responsibility a driver has based on their actions that may have caused an accident.  This formula is then used to determine how much financial responsibility a person will incur.

How No-Fault Insurance Affects Michigan Car Crash Claims

Because Michigan is a no-fault state, drivers injured in a car accident make an insurance claim with their own insurance company.  These claims help pay for things like damage to the vehicle, expenses incurred as a result of the accident, medical bills, etc.

In a no-fault claim, drivers are required by law to cooperate with their insurer.  This means they must follow any procedures outlined in the policy in order for a claim to be paid.  This could include seeing a physician selected by the insurance company after the accident, making a recorded statement about the accident, and waiving the right to bring a personal injury lawsuit against your own insurance company.  

That does not mean drivers cannot bring suit against the other at-fault driver’s insurance company to collect damages.  They also do not have to cooperate with or sign anything for the other driver’s insurance company.

In the event you get into a car accident, you should seek legal help for no-fault insurance claims.  A knowledgeable and experienced personal injury attorney that specializes in car accidents should be able to help guide you through the process.

Many times after a severe accident, people may be approached in hospitals or even in jails by representatives of the at-fault driver’s insurance company.  They may be asked to sign documents they don’t understand or agree to things they don’t understand.

If you have been in an auto accident, the first thing you should do after contacting emergency personnel is to contact an experienced personal injury lawyer.  These professionals understand the insurance claims process in Michigan and can help you make the right decisions before it’s too late.

It is the job of the insurance company to not pay out claims if they don’t absolutely have to.  They will deny, defend, and delay the process so that you cannot get access to the money you need after an accident.  Personal injury lawyers in Michigan work on your side so you don’t have to get cheated out of what is rightfully yours.