Michigan Wage Loss Benefits

Michigan Car Accident Lawyer, Larry Gursten

Hi. My name is Larry Gursten and I'm going to try to explain to you the no‑fault law in your action against the insurance company for your benefits, and I'm going to give you knowledge and understanding to help you in collecting these benefits.

You really have a contract with your insurance company and what it allows you to do is collect five different benefits..

You are entitled to 85% of your lost wages - your gross lost wages - tax free, every month you are disabled for up to 3 years.  That is a wonderful benefit. So remember its tax free, its just a form from your employer that is filled out.  If you ahve overtime, pls put in your overtime or intent for overtime.  Not even the date of your accident but while you were disabled if you would get a raise, your entitled to have that raise included in your lost wages.  

I would also like to explain to you the initial procedure when you have an automobile accident.  Obviously, you've contacted your auto insurance company, and if you have no auto insurance, then your relative in your household, and if there's no auto insurance in your household, then you can go to what is called the Assigned Claim Fund of the State of Michigan.  There's an application for benefits form.  It's a notice form, but it must be filled out as soon after the accident as you can and you must have that in within one year of the date of the accident or you lose entirely your right to collect all no‑fault benefits.  So please, make sure you do that.

You only have one year from the date you have gone and incurred a bill to have the auto insurance pay that bill or you lose the right to collect that bill.  So whether they say it's under investigation or they need more information, that does not do it.  You have to have a lawsuit started within one year of the date you have gone to a hospital, a doctor, have incurred lost wages, incurred attendant care.  Anything you have done as a no‑fault benefit must be paid within one year or a lawsuit must be started.

Please understand that every factor can change an answer and it is extremely important that you call an attorney and talk to him about these benefits as to any questions because this is a technical, complex law.  And I hope this has given you knowledge and advice..

And if there are any questions, please feel free to call us.  We're here to help you and make sure things go well for you.  Thank you.