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What Does PIP Insurance Cover in Michigan?

Even the safest driver in the world can get into a car accident. It seems like it’s not really a question of if, but when. Most drivers are involved in a vehicle wreck at least once every ten years, so understanding how to file a claim with your Michigan no-fault insurance policy is important.

When you’re involved in a collision, help is available. You can maximize your compensation when you work with a Michigan auto crash attorney from our office.

After you’re injured, you’ll need to have a clear understanding of what personal injury protection (PIP) insurance covers in Michigan. To learn more, see below.

Understanding Your Michigan PIP Benefits

The state of Michigan operates under a “no-fault” system when it comes to insurance laws surrounding motor vehicle crashes. This simply means that, regardless of who was at fault for the collision, you will use your own insurance policy to cover the damages.

Especially if you pay extra for a decent policy, this can be a good thing because all of your expenses may be covered. Also, you won’t have to deal with the other guy’s insurance company. Your policy also protects your family and certain other eligible people.

How Your Michigan PIP Benefits Work for You

After a car wreck, you will file a claim with your insurance company. Your PIP benefits will cover the following, up to some limits:

  • All reasonable and necessary accident-related medical care
  • Missed wages for up to three years
  • Up to $20 per day in replacement care costs (to pay for things like household chores you’re unable to do because of your crash-related injuries)
  • Death benefits to the family of someone who has died in an auto collision

Call a Michigan Vehicle Crash Lawyer

Understanding what PIP insurance will cover in Michigan can be confusing. However, getting the most out of your PIP benefits can be easy when you work with a car crash lawyer at David Christensen Law. We can help you get all the benefits owed to you.

To schedule a free, one-on-one consultation with an attorney from our firm, give us a call at 248-213-4900 or fill out the online contact form below.