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Personal Injury and Michigan No-Fault Auto Law

It can be quite scary after an accident. Maybe you were hit, you were lightly hurt, and the front of the car is almost in pieces. You have to exchange insurance information with the other driver, you have to wait for an officer to come and report the case, you then have to go to the hospital, and then deal with insurance claims. That's in cases which go fairly by the book.  It could be a variety of situations. You or a loved one may have a major injury, such as a concussion or broken leg; the other driver may not want to cooperate; you may have to stay in the hospital for weeks. It does get complicated.

One question we often is is how the “No-Fault” auto law works. Yes, it can be quite difficult to understand, but bear in mind that it's less important than your safety. If you're in an accident, make sure you're okay, try to record what happened, wait for an officer, and go to the hospital. Then, when you are feeling better, think of how you're going to handle this legally; namely by consulting with a Michigan personal injury lawyer.

What is the No-Fault Law?

This is where, after an accident, there is no judgment given. You can't be at complete fault, nor can the other driver. In legal terms, this is important in terms of who pays and when. Your health insurance is supposed to pay first on any injuries, then the balance is paid by the auto insurer.  This is called coordinated coverage. The insurance does vary from personal to person, namely if you have personal injury protection benefits on your auto claim or not. Primary insurance is more expensive because the medical coverage is paid by your auto insurance company. Coordinated coverage is cheaper, because your auto insurance won't pay the entire bill in the case of an accident.  There are some exemptions, as with most laws, so be sure to consult with a lawyer.

If You're In An Accident

Be prepared: get good auto insurance coverage, try to get health insurance of some kind (in some cases, your work will cover this), and consult with a lawyer. If there are cases where you have no insurance, you quite often are on Medicaid or Medicare. This too can get complex. You need an experienced No-Fault attorney to walk you through the next steps. In any case, hiring an attorney can really educate you on what laws are applied and how.