Michigan No-Fault Insurance Lawyers – What does “No-Fault” mean?
Most of you have heard the phrase “No-Fault” but do not know exactly what it means or how it affects you if you are involved in a car accident. You are not alone.
Basically, it means that you can get insurance benefits regardless of whether you or someone else was at fault in the accident. That’s right, you are entitled to insurance benefits even if you were at fault in the accident in the State of Michigan.
Generally, when you are involved in a car accident in Michigan, there are three types of insurance claims. They are classified as:
- Car repairs and damages (Payment for repairs to your vehicle)
- Bodily injury claims (Payment for your personal injuries)
- No-Fault insurance benefits (Payment for wage loss, medical expenses, etc…)
Because Michigan is a no-fault state, you are required to make claims against your own insurance company for car repairs and no-fault benefits. Michigan law also allows you to make a claim against the driver and owner of the car who was at fault in the accident if you suffered personal injuries, such as for pain and suffering and any visible scars or disfigurement. These are called bodily injury claims.
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