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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

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