Frequently Asked Questions

In an automobile accident, whose insurance company is responsible to pay my medical and rehabilitation expenses?

Generally, if you own a car, your insurance company will pay, If you do not own a car that is insured but live in the same household of a relative who owns an insured vehicle, that insurance company would pay. If you do not live with a relative with an insured vehicle, then it may become the responsibility of the insurance company who insured any other vehicle that was involved in the same accident.

Are there any other benefits or compensation I may be entitled to if I am injured in an automobile accident?

Yes. If you have received serious injury or scarring from an automobile accident where someone else was at fault, you may be entitled to compensation (money) damages for your pain suffering, disability or scarring. ~ you may be entitled to any lost income that continues beyond the first three years after the accident.

Am I entitled to the same benefits if I'm injured by a motor vehicle if I was a pedestrian?

Yes.

Am I entitled to the same benefits if I was injured while operating a motorcycle?

Possibly. If an automobile or truck was involved - yes. If not, you would have to have purchased an optional medical coverage "rider" on your motorcycle insurance policy.

What should I do if I'm injured in an automobile accident?

You must give notice of the accident and any injuries you sustain to the insurance company as soon as possible. If the insurance company denies payment of a covered expense, you should not delay in filing a claim in the appropriate court for those benefits as there is a one-year statute of limitation period to make such a claim.

Important Reminder: The Michigan Automobile No-Fault Act (MSA 24.13101 et seq) is a lengthy and often complicated set of statutes. An attorney experienced in this area of the law can help you understand and obtain the benefits you are entitled to under the law.

If I am injured at work, do I have a right to receive treatment from my own doctor?

Yes, however, for the first 10 days after your work injury, your employer or their insurance carrier can elect to have you treated by a doctor of their choice. After that 10 days, you are entitled by law to choose you'- doctor.

What if my employer won't pay for my medical care or lost wages if I have a work injury?

If your employer or their insurance carrier disagrees with you regarding your work injury, the disputes are handled by the Workers' Disability Compensation Bureau and heard by a local Magistrate (judge). You have the right to represent yourself in any dispute. For disputes involving more than $2,000, it is strongly recommended you consult with an attorney experienced in workers' compensation law.

What is a redemption or settlement in a workers' compensation claim?

In some situations, you may settle your claim with your employer and their insurance company. This type of settlement (called a redemption) usually results in a complete termination of all benefits you may be entitled to under the workers compensation law in return for a lump sum payment.