No one expects a car accident, so they are more jarring than many other life events when they happen. Complicated systems involving insurance and civil law help protect the victims of these crashes. Victims often fare better when they are more aware of these systems before they try to take action and get their lives back together.
What is a no-fault benefit?
If a person is injured or has a vehicle damaged in a collision, Michigan law allows them to claim appropriate payouts from their own insurance carrier. Alternately, the insurance carrier of a driver ruled at fault may pay out to cover the damages of the driver who is not at fault.
When will a carrier pay these benefits?
A victim of a car accident must show a significant injury to claim such an insurance payout under Michigan law. This requirement is fulfilled generally by comparing a victim's life now to his or her life before the accident. This may include the ability to work, enjoy life or take care of a family.
What are the limits on no-fault benefits?
Just like criminal charges, there is a statute of limitations on making civil court claims. Michigan places a time limit of one year from the date of a collision that caused injury and/or damage.
Do I need a lawyer to make a no-fault benefits claim?
A car accident victim may make a civil claim against a driver or their insurance company, but it is generally recommended that victims consult with a lawyer to help increase the chances of a successful claim.