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
This statute permits Michigan auto insurance companies to “offer deductibles and exclusions” on the No-Fault benefits coverage they provide to drivers.
However, the deductibles and exclusions must be “reasonably related to other health and accident coverage” that is available to drivers.
Additionally, these deductibles and exclusions “must be offered at a reduced premium” and they must first be approved by the Insurance Commissioner.
Significantly, some Michigan No-Fault insurance companies may add additional “exclusions” to an insurance policy that allow them 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.
We are here to help you.