The Truth About Michigan No-Fault Law
Our Michigan auto accident attorneys practice no-fault law and represent seriously injured crash survivors every day. As such, we know the no-fault system can be complicated and confusing. We also know there is a lot of information out there about the no-fault system – some true and some false.
When our no-fault system is at risk of being destroyed through legislative efforts, it is imperative that Michigan residents understand how the system works and what it provides. In other words, you need to know the truth about Michigan no-fault law.
Why is this so important? Because at any time, you, a loved one or someone you know can be injured in a Michigan car accident. And it’s better for you to have the best auto insurance coverage in the country and never need it, than to need it … and realize you no longer have it.
What You Should Know About The No-Fault System
It is true that Michigan residents pay higher than average premiums compared to drivers in other states. However, it is also important to recognize that:
- our no-fault insurance system is one of the most comprehensive in the country. The benefits provided to persons injured in a Michigan auto accident are those that most car crash victims in other states don’t even come close to receiving.
- without the no-fault law, many catastrophically injured car accident survivors would be bankrupted by medical expenses related to the treatment for their injuries. In turn, many would be forced to rely on government programs to get by, after exhausting coverage provided by their health insurers.
As no-fault reform continues to be discussed in Lansing, it is important to understand what is true (and not true) about Michigan’s no-fault system.
It’s also important to remember this: for more than 40 years, the system has worked to help thousands of car accident survivors and their families return to as normal a life as possible.
Below is additional information on some of the common misconceptions about no-fault insurance, as well as what you need to keep in mind during legislative discussions and proposals to reform Michigan’s no-fault law.
Dr. Michael Andary is a physician in Lansing, Michigan. Over the years, Dr. Andary has provided testimony to the Michigan Legislature recounting the benefits he sees in the current no-fault system, both as a doctor who treats those with catastrophic injuries and as the spouse of someone who was severely injured in an auto accident. Listen to Dr. Andary’s story.
If you’ve been following the no-fault reform efforts, you’ve probably heard various media outlets and others lamenting the cause of Michigan’s high auto insurance rates: unlimited medical coverage that’s provided under no-fault. However, did you know there is no such thing as “unlimited” medical coverage under the no-fault law? Find out why this allegation is false.
Those who claim Michigan’s no-fault system needs changed often point to the high cost of auto insurance. However, take a look at the declarations page of your auto insurance policy. Is the amount charged for “Personal Injury Protection” the highest portion of your premium? You will be surprised by what you find.
Sam Howell’s story is a classic example of how Michigan’s no-fault system is supposed to work. Certain no-fault reform proposals, however, place at risk not only Sam’s future care and recovery, but the care and recovery of others like him and those who may one day find themselves in a similar situation. Learn what’s at stake in reforming Michigan’s no-fault law.
While lawmakers who support reforming the no-fault system claim they have the interests of the people in mind, the source of some of their monetary donations may tell a different story. The insurance industry has contributed thousands of dollars toward those who support the efforts to dismantle the no-fault system, putting Michigan residents at risk.