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Deductibles and Exclusions from Michigan No-Fault Insurance Coverage

Attorney Commentary on No-Fault Statute: MCL 500.3109a

Deductibles and exclusions relating to other health and accident coverage

The statute applies to insurance companies, and permits Michigan insurers to provide deductibles or exclusions of no-fault coverage, even if these benefits are mandatory under Michigan law, under certain circumstances. However, deductibles and exclusions must reduce premium rates, and must be approved beforehand by the state of Michigan.

For example, some Michigan no-fault insurance companies may add additional exclusions to an insurance policy, allowing an insurer to refuse coverage of no-fault benefits if it can be shown a person has intentionally lied on an insurance application. This can happen even after a person has suffered serious or catastrophic personal injury following an auto accident.

One can therefore expect that in instances where a person has suffered serious personal injury that will require extensive payment of medical benefits, attendant care, and wage loss, that some insurance companies will now perform investigations to see if they can void an insurance policy or avoid making payment of these otherwise mandatory no fault benefits. Instances where an insurance company has found “material misrepresentations” and where the insurer has subsequently voided a no-fault policy or refused to pay otherwise incurred and proper no fault benefits have been upheld by Michigan courts.

No-Fault Attorneys of Michigan Auto Law

The attorneys of Michigan Auto Law have been specializing in auto no-fault litigation for more than 50 years. If you have been injured in a car, truck or motorcycle accident and want information about your no-fault rights, please call one of our expert lawyers for a free case evaluation at (800) 777-0028 or fill out our consultation form. There is no fee or obligation.

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