After an auto accident you are in a very vulnerable state. First, you are often seriously hurt and in pain. Second, you probably are probably taking various medications that could impair your thought process. Third, in all likelihood you are under a great deal of stress and worried about your future.
Hence, you are in no shape to take a crash course in Michigan No-Fault Insurance Law. You need reliable information. Here are five very important facts that could save you tens of thousands of dollars.
You can still recover a large amount of money even if you were the driver at fault or you were in a “one car accident.” Michigan Auto Accident Law is a "No Fault System." For example, you still may be eligible for significant insurance benefits even if you were the one who “ran through the red light,” or if you “fell asleep at the wheel and hit a tree.”
After an auto accident, there are certain time limitations that you must know about. Auto accident law is filled with ticking time bombs. Here is one example. If you have a ten thousand dollar hospital bill that you stick in a drawer and forget about it for more than a year, your insurance company is off the hook and the medical provider will come after you for payment!
Under Michigan law, if you are properly insured at the time of the accident, you are eligible for lifetime medical coverage. This means that if you need surgery on your back ten years after your car crash and your doctor believes that it was caused by the accident, your insurance company is still on the hook.
If you have been in an auto accident, your insurance company may be required to pay you to get "at home nursing care, $20 per day for someone to clean your house, gas money to go back and forth to the doctor." This could easily add up to thousands of dollars. However, you will never get this money if you don’t know how to ask for it and find out what paperwork you need to file.
If you cannot work after the accident, your insurance company may have to pay you 85% of your wages for up to five years of tax free money, even if you weren't working at the time of the accident. After an accident is no time to make assumptions. Get the facts before you act.
How do you avoid all of these mistakes? Learn your legal rights. Talk to a lawyer who specializes in personal injury law. You future and your family may depend on it.