Vehicle Accidents

There are 12 states in the United States that have no-fault insurance laws. These laws protect the individual when they are involved in a car accident no matter who was at fault, and the victim has only to file with their own insurance company to obtain benefits. Some of these benefits are directly related to the Personal Injury Protection (PIP) that all drivers must carry, but each state may vary somewhat on the amount of coverage and the cost, but generally, it works the same. A person can be covered for medical fees, lost wages, out-of-pocket expenses, and funeral costs. If a victim has other costs related to pain and suffering or extensive injuries, claims must be taken to the at-fault driver’s insurance company.

In Michigan, the no-fault laws have recently been revised to allow for more consumers to save money on insurance costs and to assist attorneys and the courts in settling claims faster and with less chance of having to take a case all the way to a court trial. Michigan law has drawn a distinction between coverage under no-fault law and other injuries or damages that might not be covered under the PIP coverage or the limits of coverage allowed. In Michigan, there is no limit for the benefit allotted to the PIP coverage, and this is one factor that is different from other states.

When a victim suffers a serious disfigurement that is permanent or the loss of a body function that also may have long term effects the victim can pursue a tort liability that allows them to sue for damages. In the case of death, the estate of the deceased can claim compensation under the Michigan Wrongful Death Act. There are also special provisions for regulating the examinations that doctors hired by insurance companies conduct to verify claims and procedures to follow when filing all claims. These types of claims are included under Michigan’s Residual Liability Insurance which tends to be complex as compared to the laws in any other state.

It is very important for a victim to understand the complexities of this law if they have extensive injuries or damages due to a vehicle accident. Some of the types of accidents we cover are listed below:

The law offices of Cochran, Kroll & Associates, Inc., are experienced and knowledgeable concerning the new auto vehicle laws in Michigan and the best way to handle your claim. Contact us immediately at Cochranlaw.com or call us at 1- 866-MICH-LAW (1-866-779-7331) to talk with us about your situation. There is no fee for a consultation.

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