ipl-logo

No Fault Car Insurance Essay

432 Words2 Pages

If you live in Michigan and have been involved in a car accident, you need to understand how the state’s unique no-fault car insurance requirements affect your ability to sue the driver who was responsible for the accident.

#1 Your Insurance Covers Your Injuries

In the state of Michigan, all drivers are required to carry no-fault car insurance. Essentially, no-fault car insurance means that you carry your own personal injury protection policy.

If you are involved in an auto accident, instead of relying on the other driver’s insurance to pay your medical bills, your auto insurance is obligated to pay your medical bills for you. They are also required to cover any lost wages that you suffer as a result of the accident. Your insurance is …show more content…

This was designed so that small vehicular accident lawsuits would stop clogging up the court system.

The only exception to this rule are serious injuries. If you sustained a serious injury that either caused permanent damage, serious disfigurement, or serious impairment, you can pursue the other driver in court of any and all expenses that exceed those covered under your no-fault insurance policy.

#4 Statue Of Limitation Still Applies

If you sustained serious injuries, it is important to note that there is a statue of limitations to your claim. If you sustained serious injuries, you have one year from the date of your accident to start your claim. That means your attorney would need to file the initial complaint as well as the summons within one year of the date of your accident.

If you were involved in a car accident in Michigan, more than likely your injuries will be covered through your own insurance policy and you will not need to sue the other driver for payment of your injuries. You can only sue the other driver if you sustained serious injuries that exceeded your no-fault insurance

Show More
Related
429 Words | 2 Pages

Hit A Deer With Your Car? Know About Repairing Your Collision Damage In many parts of the country, deer crossing the road is a common hazard that you have to deal with. Your chances of having a collision with a deer is 1 in 169, with those odds doubling from October through December. If you were lucky enough to not completely total your car, you will need to repair the collision damage that was caused.

Read More
507 Words | 3 Pages

In the state of Michigan, drivers are required to carry no-fault insurance. Unless the other driver has also opted for additional liability coverage through their insurance provider, you will be trying to recover the money you are awarded directly from the other driver, not their insurance company. You will only collect your award for their insurance company if the other party has liability insurance beyond the no-fault insurance required in the state of Michigan. Mini-Torts Start In Small Claims Court If you want to file a mini-tort, you will need to file the claim with your local small claims court.

Read More
867 Words | 4 Pages

That conclusion most likely will result in a payout to the injured parties on your behalf. However, those payment amounts will only extend up to the liability coverage your policy provides. If your damages amount to more than what your insurance is willing to pay, you now face a gap in liability protection. At that point, your umbrella insurance policy kicks in and covers the financial differences from that gap in coverage. Marine Agency Has Your Umbrella

Read More
408 Words | 2 Pages

If they wait over four years, they forfeit their right to seek compensation. Although the state of Florida gives victims four years, it is advantageous for victims to seek compensation as soon as possible after they know the extent of the injuries they sustained. Purpose of Seeking Compensation After a Car Accident:

Read More
812 Words | 4 Pages

When Rachel swerved out of her lane and struck Helen, she breached the duty of care. The negligence of Rachel caused the accident, the damage to property and her and Helen’s injuries. Helen would be able to seek compensation for the damage to her car, her injuries, emotional distress and pain. On the other hand, the case between Rachel and Michael has different legal grounds. Legal grounds include social host laws, knowledge of intoxication, causation, and

Read More
510 Words | 3 Pages

When you are involved in an accident you should check the condition of the vehicle and assess whether the vehicle is drivable. You should note that even if the car may look drivable to you it might not be road worthy according to your state laws; therefore, you should check with your local authorities

Read More
292 Words | 2 Pages

While not every accident is grounds for a persona injury suit, you may be able to collect compensation for your losses if you can prove that another party was at least partly responsible, whether through negligence or malice. The Law Office of Gregory S. Young, attorneys serving clients throughout Ohio and Kentucky, explain a few key elements of personal injury suits and what to expect if you decide to file a claim. To succeed in a personal injury suit, you must be able to demonstrate that the defendant had a duty of care, meaning that they must take reasonable steps to prevent injuries to others in certain situations. Furthermore, you also have to show that the defendant 's breach of that duty directly caused your injuries, which can be very

Read More
453 Words | 2 Pages

They will tell you their offer is fair, and perhaps you may think wanting more is greedy, but you still need to speak to a personal injury attorney. It is likely that the settlement offer is not going to compensate you for everything associated with your injury. An attorney will be working in your interest and can explain what compensation you are legally entitled to. An insurance company, on the other hand, is trying to settle for as little as possible.

Read More
321 Words | 2 Pages

More times than not if the accident is the fault of the other party involved then the insurance company will not admit default or down play the situation as to pay out a smaller settlement.

Read More
337 Words | 2 Pages

If you suffered serious injuries in a car accident, contact us. You can discuss the specifics of your case with a qualified

Read More
537 Words | 3 Pages

Unintentional but preventable accidents claim the lives of thousands in the Chicago area each year. Knowing how to look for qualified Chicago car accident attorneys may just come in handy - if not for you, perhaps for someone close to you. There are thousands of lawyers in Chicago. A lot of them claim to be the best Chicago car accident attorneys around and have ads all over town. You cannot watch

Read More
614 Words | 3 Pages

1) Identify the Type of Case You Have. It depends on the vehicle that you were in when the accident occurred. If the vehicle you were in was a motor car then you need to find a lawyer that does automobile accident claims but if you were injured in a semi-truck crash

Read More
517 Words | 3 Pages

Most accident claims are paid by a driver’s insurance company; therefore, you can still file an accident claim against the driver’s insurance company even if the at-fault driver did not survive the accident. Fatal traffic accidents are tragic; however, accident victims who survive must deal with the financial hardship as well as the physical and emotional damage. An accident victim should not be forced to bear the financial burden of a crash that was caused by another driver. It may seem as if you are “attacking” someone who died as a result of a traffic accident if you file an accident claim; however, you are only filing a claim to receive compensation you are entitled to receive under California’s personal injury laws. Your accident claim may include compensation for: • Medical

Read More
928 Words | 4 Pages

Health insurance is one of the main insurances ones can have in life. Without reliable health insurance any small treatment can wipe out a person financially. " health insurance is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured" as defined by Investopedia, 2015. The term ‘Health insurance’ was firstly discovered in the United States during the civil war.

Read More
1125 Words | 5 Pages

The answer is yes. Generally, UM coverage will be reduced by 1) the bodily injury limits of the uninsured toreador's auto liability policy; 2) benefits available to the insured under any workers' compensation law; 3) personal injury protection benefits; and d) disability or similar benefits or similar law. Do you have to repay a worker's compensation lien from uninsured or underinsured motorist proceeds? Per the case of Volk V. Gallopo, 585 So. 2d 1163.(Fla. 1st

Read More

More about No Fault Car Insurance Essay

Related Topics

Open Document