Understanding PIP Coverage After A Michigan Car Accident
If you’ve been involved in a car accident in Michigan, understanding your insurance options can be daunting. Fortunately, Michigan’s no-fault insurance system, specifically Personal Protection Insurance (PIP), is designed to provide critical financial and medical support to accident victims, regardless of who was at fault.
The Michigan car accident attorneys at Bahrie Law, PLLC, are here to help you navigate these complexities and ensure you receive the benefits you deserve.
Understanding Personal Protection Insurance (PIP)
Personal Protection Insurance, often referred to as PIP, is mandatory for all drivers in Michigan. This coverage is essential because it covers your medical expenses and lost wages after an accident, regardless of fault. Instead of pursuing the at-fault driver, you claim these benefits from your own insurance company.
Key Benefits of PIP Insurance
- Medical Expenses: PIP covers all “reasonably necessary” medical expenses related to your car accident. This includes doctor visits, surgeries, hospital stays, therapy, and even modifications to your home or vehicle if needed due to your injuries.
- Lost Wages: If your injuries prevent you from working, PIP reimburses you for lost wages for up to three years. The reimbursement covers 85% of your lost income, providing a crucial financial safety net during your recovery.
- Replacement Services: PIP also covers the cost of hiring help for tasks you can no longer perform due to your injuries, such as household chores and childcare. These benefits are available for up to three years post-accident.
Coverage Levels and Options
With changes to Michigan’s no-fault law in 2019, drivers can now choose from several PIP coverage levels, ranging from $50,000 to unlimited coverage. It’s important to select a level that aligns with your healthcare needs and financial situation. If your medical expenses or lost wages exceed your selected coverage, you may have the option to sue the at-fault driver for excess amounts.
Additional Benefits: Medical Mileage and Accommodations
PIP also covers medical mileage, reimbursing you for travel expenses incurred while visiting healthcare providers. Moreover, if your injuries require home modifications or a special vehicle, PIP may cover these costs to accommodate your new needs.
Allowable Expenses
While PIP covers a broad range of expenses, disputes often arise regarding “reasonable and necessary” care, particularly with attendant care hours, rates, and experimental treatments.
A Michigan car accident attorney familiar with the nuances of PIP coverage can help answer any questions or disputes that may arise relating to allowable expenses.
Filing a Claim and Protecting Your Rights
To claim PIP benefits, you must file a No-Fault application within one year of your accident. Missing this deadline means forfeiting your benefits, so timely action is crucial. Keep thorough records of all expenses and documentation to support your claim.
Don’t Navigate This Alone
The complexities of Michigan’s no-fault insurance system can be daunting, especially when you’re dealing with injuries. Our experienced car accident attorneys at,Bahrie Law, PLLC are here to help you:
- Understand your rights and coverage
- File claims correctly and on time
- Negotiate with insurance companies
- Fight for the full compensation you deserve
If you’ve been injured in a Michigan car accident, don’t wait to get help. Contact us today for a free consultation. We have offices in Lansing and Metro Detroit (Livonia), and we represent clients throughout Michigan. We’ll review your case, explain your options, and fight to protect your rights every step of the way.
Call 888-473-1289 to schedule your free consultation now.