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Detroit No-Fault Car Insurance Lawyer

While no-fault claims are supposed to be straightforward, they can be anything but. Get the help you need by working with a Detroit no-fault car insurance lawyer.

If you’ve been involved in a car accident, navigating Michigan’s insurance system afterward can be confusing. Michigan is one of twelve states in which motorists are required to carry no-fault insurance. “No-fault” insurance means that no matter who was at fault in the crash, your insurer will pay some or all of your medical bills and lost wages.

Yet even with no-fault insurance, there are instances in which insurers refuse to pay for your care. They may deny your requests for payment or require you to have a medical exam performed by a doctor paid by the insurance company to say that your injuries are not related to the auto wreck.

After an accident, the insurance maze can be incredibly confusing and frustrating. A Detroit no-fault car insurance lawyer with David Christensen Law will be experienced in dealing with insurance companies and can help you maximize your no-fault benefits.

Michigan’s No-Fault Insurance Broken Down

Michigan’s no-fault insurance pays for your medical bills, replacement services, and lost wages after an accident. In most cases, no-fault insurance protects drivers from being sued for negligence.

No-fault insurance provides the following benefits:

  • You’ll receive coverage for all of your medical bills (if the insurer doesn’t challenge their necessity).
  • It covers up to 85 percent of the income you would have earned for up to three years. The maximum payment you can receive per month is $5,452 for 2016-17.
  • Depending on your policy, you could receive coverage for up to one million dollars in damage done to other people’s property. It will also pay for damages if you hit a parked car. No-fault insurance does not cover your own car repairs.
  • You can receive up to $20 per day in “replacement services,” (i.e., routine household services that you may no longer be able to perform due to your accident).
  • Your no-fault insurance protects your entire family. For example, if your child gets injured as a passenger in someone else’s vehicle, he or she would still be covered under your no-fault insurance. The no-fault policy also covers pedestrians, bicyclists, and motorcyclists in the event that you have an accident with one.

When You Can File a Personal Injury Claim

No-fault insurance generally prevents you from seeking compensation from negligent parties, although there are exceptions:

  • If you were seriously injured or permanently disfigured
  • If a family member was killed in the crash
  • If you’re involved in an accident with a driver who does not have liability insurance

After an accident, it’s important to file a personal injury protection (PIP) claim with your own insurer as soon as possible. While personal injury claims have a three-year statute of limitations, the time allowed for PIP claims is much shorter. For a no-fault claim, you have one year from the date of the accident. Failure to file within this time period means that you will be ineligible to seek no-fault compensation.

Problems with Personal Injury Protection (PIP)

Although no-fault insurance is designed to protect you in the event of an accident, this does not always happen. In many instances, an insurance company may cut off your benefits or say that you are ineligible to receive compensation.

Insurance companies are businesses. They are primarily interested in protecting their own profits rather than giving you the full settlement you deserve. Consequently, there are several tactics they may deploy with the goal of denying your compensation.

For example, the insurance company may say that your claim was never received. They may delay your payments by continually asking for unnecessary information or skip your payment altogether. They may offer you a lowball settlement that doesn’t come close to covering your needs.

One notorious tactic is requiring you to have an appointment with an independent medical examiner in league with the insurance company. This “non-biased” physician will then say that your injuries were not a result of your accident, thereby rendering you ineligible for benefits.

The entire experience can be incredibly frustrating, but you do have legal recourse. If your insurance company has cut off your benefits or is giving you the runaround, there is help available. A Detroit no-fault car insurance lawyer will stand up to the insurance company and fight for the full settlement you’re owed.

Contact a Detroit PIP Lawyer

If you believe that your insurance company is treating you unfairly, you don’t have to let them play games with your rights. Contact a Detroit no-fault car insurance lawyer with David Christensen Law today. Call 248-213-4900 or fill out our online contact form to schedule a free, no-pressure consultation.