Michigan No-Fault Law
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Michigan No-Fault Law

Dealing with a car accident is difficult enough. But Michigan's complex No-Fault Law can add another layer of stress and confusion.

If you've been injured in an auto accident in Michigan, your own insurance pays your medical bills and lost wages, regardless of who was at fault. Even if the other driver was completely at fault.

The law office of Keller & Keller has been representing the people of Michigan in personal injury cases since 1936. Our level of experience in No-Fault law is detailed and knowledgeable, as is our customer service. When Michigan's accident victims ask us to help them obtain their No-Fault benefits, they put the power of our name and history on their side.

Most Michigan residents are aware of the No-Fault Law, but few understand it fully. State law also requires that all vehicle owners carry liability insurance when registering with the Secretary of State. Don't put your claim at risk, contact a Michigan no-fault car accident lawyer immediately.

Who Pays for the Accident?

Regardless of fault, your insurance company will pay most of your economic losses resulting from a car accident. These are called "First-Party Benefits." Michigan First-Party Benefits include:

  • Medical treatment for life, or for as long as treatment is needed for the injuries you suffered in the accident
  • Wage loss up to 85% of lost wages for up to three years, subject to a monthly cap which is revised annually
  • Attendant care, such as nursing services
  • Replacement Services of up to $20 per day for a maximum of three years if you are unable to perform household tasks such as cleaning, lawn mowing, running errands, etc.
  • Mileage Reimbursement if you must travel to receive medical treatment

What Is the Order of Priority?

The Order of Priority is another important feature of Michigan no-fault law. The injured driver of a vehicle, or an injured passenger, receives First-Party Benefits from the insurance company associated with that vehicle. If the vehicle is uninsured and does not belong to you, however, the Order of Priority will determine who pays No-Fault First-Party Benefits.

Car Accident Order of Priority

  • Your own insurance. If you have no insurance…
  • The insurance company of a resident relative such as your spouse, parent or sibling. If none…
  • The insurer of the owner of the motor vehicle involved in the accident. If none…
  • The insurer of the driver of the motor vehicle involved in the accident. If none…
  • The State of Michigan Assigned Claims Facility.

Pedestrian Accident Order of Priority

  • The pedestrian's own insurance. If none…
  • The insurance company of a resident relative such as a spouse, parent or sibling. If none…
  • The insurer of the owner of the motor vehicle involved in the accident. If none…
  • The insurer of the driver of the vehicle involved in the accident. If none…
  • The State of Michigan Assigned Claims Facility

Motorcycle Accident Order of Priority

Michigan law does not recognize motorcycles as "motor vehicles," thus creating a different Order of Priority for payment of First-Party Benefits in the event of a motor vehicle and motorcycle accident.

  • The insurer of the owner of the motor vehicle involved in the accident. If none…
  • The insurer of the operator of the motor vehicle involved in the accident. If none…
  • The insurer of the operator of the motorcycle involved in the accident. If none…
  • The insurer of the owner of the motorcycle involved in the accident. If none…
  • The State of Michigan Assigned Claims Facility

If there is absolutely no insurance to cover the injuries you sustained in your accident, the State of Michigan Assigned Claims Facility becomes your last resort. The Michigan Assigned Claims Facility was created to provide accident victims with financial assistance in the event of a car accident with no insurance coverage.

Who Is Eligible?

Any uninsured person, whether they are a Michigan resident or not, may submit an injury claim to the Assigned Claims Facility, as long as they were injured in an accident in Michigan, either while riding in or being struck by an uninsured Michigan-registered vehicle.

Motorcyclists are eligible if they have been in an accident with an uninsured motor vehicle (not another motorcycle), and do not have other insurance to cover the resulting medical bills.

Who Is Not Eligible?

Benefits are not available from the Assigned Claims Facility to the owner or registrant of an uninsured car or motorcycle injured in an accident while driving or riding in his or her own vehicle or motorcycle. Drivers of stolen cars or motorcycles are not eligible for benefits.

Contact Us

In this brief overview of Michigan's no-fault laws, it's easy to see how quickly your policy can become complex following an accident. In addition, it's also a possibility that the insurance company is denying your injury claim based on liability issues.

Contacting a reputable and experienced No-Fault car accident lawyer in Michigan is a great step toward protecting your claim and receiving all the First-Party Benefits due to you. Our attorneys are available to answer your questions and provide guidance at no cost.

It could be the most important step you take in handling your no-fault injury claim.