If you’ve been in a car accident, you likely came home to a pile of bills, both medical and household. It can seem overwhelming. But the good news is that there are ways to get your insurers to pay bills for you. That way, you can provide for your family even when you can’t work.
Michigan’s no-fault insurance laws require your insurer to cover all medical bills related to your crash. If you were hurt on the job, you may also be entitled to workers comp. On top of that, your health insurance will provide coverage for medical costs.
Make sure to disclose every injury to your insurers. That includes bumps, scrapes, and especially concussions or minor head injuries. Let your doctors know that your injuries are a result of a car accident and who your insurers are. Connecting providers to insurers should take the pressure off you to repay healthcare bills that should be covered by your car insurance.
Life doesn’t stop just because you have an accident. Even if you can’t work, you will still have to pay your rent, mortgage, and other household bills. No-fault insurance has you covered, paying 85 percent of your gross wages for up to three years. Even if you were out of a job when you were hit, you may still be able to get payments based on your most recent job.
You may also be able to get no-fault benefits for household assistance. For instance, if you aren’t able to do laundry or yard work after the accident, you may get up to $20 per day for replacement services. But if you want that coverage, you will need your doctor to give you a prescription for it.
What about your car? An auto accident can cause thousands of dollars in damage to your vehicle. The at-fault driver is required to cover the first $750 in repairs. After that, your collision insurance—not your no-fault benefits—will cover the bill. Be sure to have enough benefits to cover your car. Remember—it will take more to pay for an import or luxury car than a standard coup.
The most serious auto accidents can cause life-changing disabilities. If you find yourself in need of ramps, rails, or large household modifications because of your disability, those modifications should be covered by your no-fault insurance, too.
No-fault insurance will cover a lot of your bills after a car accident. Even the parts that aren’t covered under no-fault insurance are collectible through health insurance, collision coverage, or the at-fault driver. Don’t be scared of the stack of bills waiting for you when you get home after an accident. Instead, contact the experts at Christensen Law. We can help you cover every one of your bills. David Christensen and his team have decades of auto accident experience to make sure you are paid.