What coverage do I have after an auto accident in Michigan?

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Under Michigan law, you need to consider your benefits and entitlements under first party claims, third party claims, and UM/UIM claims.

First Party Coverage

Regardless of the severity of your injuries, you have the right to first party benefits and entitlements as a registered owner of a motor vehicle and insured driver who has been involved in a motor vehicle accident.

First party benefits include lifetime coverage of the medical costs associated with your injuries from the accident, three years of lost wages from the date of the accident, and replacement services associated with the accident.

Third Party Coverage

Like first party benefits, you must be insured to collect third party benefits. If your injuries meet Michigan’s threshold injury requirement, you may bring an action under the state’s third party laws to pursue compensation for your pain and suffering. This compensation is over and above what you are entitled to under your first party benefits under Michigan’s no-fault auto insurance system.

For example, say you’re driving in Detroit and get hit by another car. If you only have the minimum no-fault insurance and the other driver has no auto insurance at all, your insurance will cover your medical treatment, lost wages, and replacement services. If you sustained more serious injuries such as permanent disfigurement or a traumatic brain injury, you can seek compensation through a third-party lawsuit against the driver, but only for your pain and suffering. 

The Importance Of Uninsured/Underinsured (UM/UIM) Auto Coverage

This is where uninsured/underinsured motorist coverage (UM/UIM) comes in. With UM/UIM insurance, you are covered if the other driver has no insurance or not enough coverage. Your insurance company will cover your accident-related medical care for life and your lost wages for three years.

Premiums for UM/UIM insurance are relatively inexpensive, usually around $13 per month. Having UM/UIM coverage is a wise choice considering the large number of uninsured drivers in the region. Your decision to purchase UM/UIM could prove to be the difference in whether you and your family are protected.  

Talk To A Knowledgeable Lawyer Who Will Handle Your Case Himself

If you have been in a serious car accident, you need an experienced lawyer who will give your case the comprehensive service necessary to secure maximum compensation. You need Johnny L. Hawkins, The Warrior Lawyer.

Disclaimer: The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

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