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After a car crash, your first recourse is against your own no-fault insurance provider. This PIP claim covers your medical expenses, lost wages for up to 3 years, and other payments essential to a full recovery.
The first step in claiming your First Party insurance coverage is to figure out which insurance company covers you. Once you narrow it down, complete the Application of Benefits form for that company and mail it to your provider right away.
To find out what company covers you, ask yourself the following questions:
If you have auto insurance on any vehicle, your own insurance company covers you, even if someone else caused the crash. Fault doesn’t matter. Even if the collision was because of your own carelessness, you can still receive benefits under your own no-fault insurance.
Just because you don’t have no-fault insurance doesn’t mean your out of luck when it comes to an automobile accident. Coverage could come from three sources:
No-Fault insurance covers a variety of injuries and benefits. If you’ve been hurt in a car crash you can recover your:
Usually, your health insurance is the first line of defense in covering your medical expenses after an accident. But if your health insurance doesn’t cover it, or if you have to pay deductibles, the no-fault auto insurance company is required to pay all your accident-related medical bills for the rest of your life. That includes:
If you can’t work because of your injuries, the no-fault insurance company is required to pay your lost wages. You can get up to 85% of your gross income for up to 3 years after your accident. Even if you were unemployed at the time of the accident, you may still qualify for wage loss benefits.
After your accident you may not be able to do common household chores like cleaning or laundry. If you need someone to help you, the no-fault insurance company must pay up to $20 per day for these services for up to 3 years. That’s true even if your family members are the ones doing the work.
If you are ready to file your claim, here’s how to do it:
Michigan’s no-fault laws are surprisingly complicated and changes frequently. If you need help, consult with an attorney that specializes in auto injuries full time.