Your No Fault Rights

The Michigan No Fault Law provides extremely valuable benefits to which you are entitled because of your accident. These economic benefits include medical expenses, wage loss and replacement services as necessitated by your injuries.

The Medical Expense Provision provides reimbursement for all medical expenses incurred by you because of your injuries. Dependent upon the type of insurance coverage involved, these may be coordinated benefits, which pay all expenses not covered by your basic health insurance, or full benefits, which pay all medical expenses incurred even if those are paid by a health insurance provider. Part of the medical expense provision of the No Fault Act provides for reimbursement of transportation expenses. These include expenses for mileage to and from doctors' offices, hospitals and rehabilitation clinics, or bus and taxi fare in the event you do not drive. Please keep a detailed record of your mileage expenses and submit them to the insurance company along with your other medical bills.

The Wage Loss Provision will reimburse you for 85% of any wages lost as a result of your injuries, up to a statutory monthly maximum that is adjusted every year.

The Replacement Services Provision will pay up to $20.00 a day for any services you previously did for yourself but cannot do now because of your injuries and must hire someone else to do them for you.

The Medical Expense Provision is a lifetime benefit. The Wage Loss and Replacement Services Provisions are payable for three years from the date of the accident.

There are some important steps you must take in securing your benefits. First, you must immediately file a No Fault Application with the applicable insurance carrier. This application MUST be filed within twelve months from the date of the accident or you will forever lose any benefits to which you might be entitled. Nothing starts until you have filed this application. Secondly, if there are any items of reimbursable expense that is not paid by your insurance carrier, you must file a lawsuit for that particular item within twelve months from the date that expense was incurred. If such a lawsuit is not filed within that twelve-month period you will lose all rights to reimbursement for that particular item of expense.