Bloomfield Hills Lawyer Advises Clients on No-Fault Insurance Claims
Knowledgeable Michigan attorney helps auto accident victims collect payment
Michigan residents who have never been in a car accident before might not realize that the damages they’ve incurred might be paid out by their own insurance company rather than the at-fault driver. This is the essence of the state’s no-fault insurance law. The Joseph Dedvukaj Firm, P.C. in Bloomfield Hills has spent more than 25 hears winning strong results for auto accident injury victims. Our attorney will outline how the law applies in your case and explain recent changes to state law that might affect how much you can collect under your policy and whether you can sue the driver of the vehicle that caused your crash.
Detroit-area firm assists with Personal Injury Protection (PIP) matters
No-fault auto insurance is designed to help people hurt in car accidents obtain the reimbursement for accident-related costs without having to prove who was responsible for the collision. The Personal Injury Protection (PIP) coverage in these policies specifically covers medical care, lost income and reasonably necessary recovery and rehabilitation expenses. Our personal injury firm has a detailed understanding of the relevant laws and the tactics that insurance companies use to reduce the payout owed to victims. You can rely on us to negotiate effectively on your behalf and take strong action if your insurer is not living up to their responsibility under the policy.
Recent changes to Michigan no-fault insurance law
There has been a significant recent change in the state’s no fault insurance law. Consumers who purchase or renew policies after July 1, 2020 now have the choice to limit their PIP coverage to $250,000, $500,000 or even $50,000 if they are enrolled in Medicaid. Though choosing one of these limited plans might slightly lower your premium, our law firm recommends the consumer select unlimited PIP coverage to adequately protect themselves and their household members. Other aspects of the new law include:
- Opt-outs for Medicare recipients — Michigan drivers who are on Medicare have the option to opt-out of PIP medical coverage. The legislature intended that these drivers would turn to the Medicare insurance to pay for their medical bills for injuries suffered in a car accident.
- Limit on attendant care benefits — After July 1, 2021, auto insurance companies are not responsible for funding more than 56 hours per week of family provided in-home attendant care for car accident victims.
- Tort claims against at-fault drivers — Drivers whose accident-related medical bills and wage losses exceed the relevant PIP coverage levels in their auto insurance policy are able under the new law to sue the at-fault driver in a third-party tort claim for payment of their “excess” medical expenses and income loss.
We will review the terms of your policy and advise you of your legal options. Once it is clear who is responsible for the damages, our firm will press to secure the payment you deserve.
Contact a Michigan attorney for a free consultation about a no-fault accident claim
Located in Bloomfield Hills, The Joseph Dedvukaj Firm, P.C. advises Michigan auto accident victims on the state’s no-fault insurance system and other laws related to personal injury claims. To schedule a free consultation, please call 248-621-4873 or contact us online.