David Christensen is a Michigan attorney who specializes in auto accident and personal injury cases. Accidents happen and in many cases, one or both of the drivers may not have auto insurance. Michigan is a no-fault state, meaning that no matter who is responsible the no-fault insurance benefits will pay for the damage.
If you are in an accident, your insurance company will cover your expenses. There are three kinds of expenses that they will cover. First, allowable expenses or medical expenses. If you don’t have medical insurance, your car insurance will step in and cover cost associated with your injuries for life. The second is wage loss. If you’re employed or actively seeking a job, you’re entitled to have the insurance company pay lost wages for up to three years. Third, if you’re unable to complete normal household chores, then replacement services will pay for someone to help you perform those services.