If you’ve suffered injuries in a car accident in Michigan, your medical and financial recovery depends on a thorough understanding of your insurance. Michigan’s no-fault insurance system gives drivers essential protections. However, recent changes to the law have created new considerations for accident victims seeking coverage for their medical bills.
Michigan’s No-Fault Insurance System
Michigan law requires all drivers to carry no-fault automobile insurance. This requirement exists for good reason: serious injuries from car accidents can result in hundreds of thousands of dollars in medical costs. The no-fault system ensures that regardless of who caused the accident, your insurance company covers your medical expenses.
The cornerstone of this coverage is Personal Injury Protection (PIP), which pays for medical care after an accident. However, significant changes to Michigan’s no-fault law in 2020 have altered how these benefits work.
Medical Coverage Options Under Michigan No-Fault
Before July 2020, no-fault insurance provided Michiganders with unlimited lifetime medical coverage for their accident-related injuries. Since the law changed, drivers have been able to choose from six different PIP medical coverage options:
- Unlimited coverage: Still provides lifetime medical benefits with no dollar limit
- $500,000 coverage: Covers medical expenses up to this maximum amount
- $250,000 coverage: Covers medical expenses up to this maximum amount
- $250,000 coverage with exclusions: Available if you have qualifying health insurance
- $50,000 coverage: Available only for Medicaid enrollees who meet specific requirements
- No PIP medical coverage: Available only for those with Medicare Parts A and B
What Medical Expenses Does PIP Cover?
When you’ve suffered injuries in a traffic accident, Michigan no-fault insurance covers medical expenses, including:
- Hospital and emergency room visits
- Doctor appointments and specialist care
- Physical therapy and rehabilitation services
- Prescription medications
- Medical equipment (necessary items like wheelchairs, crutches, and braces)
- Transportation expenses
These benefits extend to all family members living in your household, even when they are passengers in someone else’s vehicle or are pedestrians struck by a car.
How Do I Choose the Right Coverage Level?
While the new law offers more options, having adequate coverage remains essential. Medical costs for serious injuries can quickly exceed the lower coverage limits, potentially leaving you responsible for tens or hundreds of thousands of dollars in expenses.
For most Michigan drivers, unlimited PIP coverage provides the best protection. If you are concerned about affordability, you should purchase the highest level of coverage you can reasonably afford. Remember that you become personally responsible for any additional medical expenses once your policy limits are exhausted.
Contact an Experienced Michigan Car Accident Attorney
Understanding your rights under Michigan’s no-fault system can be challenging after an accident. Insurance companies often try to minimize payouts or deny legitimate claims.
At Atnip & Associates, PLLC, our award-winning attorneys have over 85 years of combined legal experience helping injured Michiganders secure the medical coverage they deserve. We specialize in catastrophic motor vehicle accident cases, and we fight tirelessly for each client’s rights.
Contact our team today for a free consultation about your car accident case and learn how we can help you obtain the medical benefits you need for your recovery.