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No-Fault Insurance in Metro Detroit, MI

Representation from a Farmington Hills Car Accident Attorney

In the state of Michigan, the law requires that all drivers carry what is known as "no-fault insurance." Unless you have this, you are not even allowed to get your license plates, as it is illegal to drive without it. Michigan law adopted the no-fault system in 1978 and has operated under it ever since. What this means for drivers is that the benefits that individuals injured in car accidents have increased and supposedly paid more promptly.

All basic no-fault policies include the following three components:

  • Personal Injury Protection (PIP): This section of the no-fault policy is most applicable if you are injured in a car accident. Under PIP, all of your medical costs will be covered. It can also help to cover all of your wages that you would have earned-up to 85%-for three years. Each year, the amount you can be paid will be revised; on October 2012, the most anyone could receive each month is $5,189. In cases where someone you love was killed in a car accident, the family could receive up to that amount each month for three years, depending on that person's income and benefits. Beyond lost wages and medical costs, you are also eligible to receive up to $20 per day for "replacement services" to cover the cost of house and yard work that you can no longer complete on your own.
  • Property Protection (PPI): This is used to help cover the cost of any damage your vehicle causes during the course of the accident. Under PPI, you can receive up to a million dollars for property damage to surrounding buildings and fences, as well as damage to properly parked cars.
  • Residual Bodily Injury and Property Damage Liability Insurance (BI/PD): Under BI/PD, you are protected from being sued, unless you caused an accident where someone was killed, seriously injured, or disfigured. You can also be sued if you were in an accident with an individual who does not reside in Michigan who was driving a car not registered in the state, if you were involved in an accident outside of Michigan, or if you are 50% or more at fault for an accident that caused damage to someone else's car that is not covered by insurance. The latter is known as a mini-tort.

Under the very basic no-fault insurance policy, you will be covered for up to $20,000 for a person who was either injured or killed, up to $40,000 for each accident if it involved several people or up to $10,000 for property damage in another state. You also have the option of purchasing more comprehensive coverage. It, however, is important to note that basic no-fault does not cover repairs to your own vehicle after an accident regardless of who was at fault, repairs to another person's vehicle (unless it was damaged while properly parked), costs for the replacement of a stolen vehicle, or protection against mini-torts.

Why You Need a Car Accident Attorney in Farmington Hills

Just because you are covered under no-fault insurance, however, does not mean that getting the proper amount of coverage will be easy. In some cases, your insurance company may give you the runaround or outright deny the benefits that you deserve. If this is the case, and an insurance company is playing games with you, you have come to the right place. At Abrahams Law, we know how frustrating this can be and are dedicated to helping you, however we can.

If you are interested in how our firm can help you, please contact a Farmington Hills car accident attorney from our firm as soon as possible! We look forward to hearing from you.

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