What are your Medical & Rehabilitation Rights under the Michigan Automobile No-Fault Law?

An individual who is injured in a motor vehicle accident is entitled, under the Michigan No-Fault Law, to certain benefits. These benefits include the payment for all reasonable and necessary medical expenses needed for treatment of those injuries. This coverage also includes the payment of necessary rehabilitation expenses and the payment or reimbursement of prescription expenses.

What’s payable under the No-Fault Coverage:

• Medical bills
• Surgical expenses
• Physical therapy & rehabilitation care
• Home nursing care
• Prescription costs
• Necessary appliances (wheelchair, braces crutches, etc.)
• 85% of Lost Wages
• Replacement services (household assistance up to $20/per day)
• Funeral expenses (minimum of $1,750)
• Property protection coverage
• Liability coverage (coverage if you are seriously injured due to the fault of another driver, minimum coverage of $20,000 per person)

Some additional (optional) coverages include:

• Uninsured motorist coverage
        when another driver, who is uninsured, is at fault and causes your injury
  
• Underinsured coverage
        when another driver’s insurance is not adequate to compensate you for your injury
  
• Collision coverage
        covers the damage to your vehicle