Michigan No-Fault: Coverage and Benefits

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Christensen Law 
David Christensen  
25925 Telegraph Rd #200  
Southfield, MI 48033 
(248) 213-4900 
inquiry@davidchristensenlaw.com 
https://www.davidchristensenlaw.com 
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No-Fault Explained: Coordinated Coverage and Subtracted Benefits

The Michigan No-Fault Act is intended to make sure no victim of an auto accident is left without medical care. But who pays for those medical expenses can sometimes get complicated, particularly when government benefits get involved.

MCL 500.3109 and MCL 500.3109a apply to subtracted benefits and coordinated coverage. These statutes explain when your auto insurance provider is allowed to subtract or “set-off” benefits you receive from other sources.

Subtracted Benefits

Any time an accident victim is entitled to benefits under state or federal law, those payments can be subtracted from what the auto insurer has to pay. For example, if a truck driver is injured on the job, he may be entitled to Workers’ Compensation benefits. Because this is mandated by law, whatever he receives from Workers’ Comp will reduce the benefits he receives from his no-fault provider. Other set-off benefits could include social security payments or certain survivor benefits.

Coordinated Coverage

Where subtracted benefits are automatic, coordinated coverage is optional. The Michigan No-Fault Act allows auto insurance providers to offer reduced-price policies if those policies are coordinated with a health insurance policy. Without this provision, your auto insurance provider would pay all of your medical expenses after an accident – even those that could otherwise be paid using your health insurance.

About David Christensen
LISTENING. PROTECTING. WINNING
At Christensen Law, we are leaders in helping victims of automobile and truck accidents. We understand the overwhelming challenges that come with these life-changing events, and we want to help. You are not alone – we will become your voice.

Christensen Law 
David Christensen  
25925 Telegraph Rd #200  
Southfield, MI 48033 
(248) 213-4900 
inquiry@davidchristensenlaw.com 
https://www.davidchristensenlaw.com 
https://plus.google.com/101403597068266196711/posts