STEPS FOR GETTING COMPENSATION TO PAY MEDICAL BILLS

As soon as possible following an accident, you or your car accident lawyer may need to contact your auto insurance company to file an application for no- fault benefits. It’s important to note that these claims must be filed within one year of the date of the accident or they will be automatically denied. No- fault insurance coverage in Michigan contains provisions for virtually all costs incurred by an injured claimant based on their personal injury protection coverage, including:

• Hospital bills and surgery costs
• Ambulance rides
• Physical therapy/rehabilitation
• Long- term care
• Medications and prescriptions
• Home modifications and medical equipment

Limits on personal injury protection coverage were introduced in Michigan in 2020 after a change in legislation. Under the new law, insurance companies are only obligated to pay the limits of the coverage purchased. Consulting an experienced Southfield car accident attorney can help you better understand and maximize your no- fault benefits.

LEVELS OF PERSONAL INJURY PROTECTION BENEFITS

Unlimited Personal Injury Protection (P.I.P.) Coverage: Undoubtedly the best option, this coverage pays for unlimited medical expenses for injuries related to an accident. Unfortunately, this option may not be affordable to all.

$500,000 Personal Injury Protection Coverage: Pays for medical treatment and expenses related to an accident up to $500,000.

$250,000 Personal Injury Protection Coverage: Covers medical costs related to an accident up to $250,000.

Limited $250,000 Personal Injury Protection Coverage: Covers medical costs related to an accident up to $250,000 and allows drivers to opt out of coverage for themselves or relatives.

$50,000 Personal Injury Protection Coverage: Available for people enrolled in Medicaid who also carry health insurance which covers auto accident related injuries and costs.

No Personal Injury Protection Coverage: Only available for people enrolled in Medicare parts A and B who also carry health insurance which covers auto accident related injuries.

Coordinated Vs. Uncoordinated Coverage: With coordinated coverage, a person’s health insurance will be the primary payer for accident-related medical costs, and their personal injury protection coverage is secondary.

With uncoordinated coverage, a person’s personal injury protection coverage is the primary payer, and their health insurance is secondary. Uncoordinated coverage is recommended, as health insurance does not adequately cover all the expenses related to an accident that personal injury protection is obligated to pay on an injured person’s behalf.

WHAT TO EXPECT

Insurance companies are required to pay outstanding medical bills within 30 days of receiving treatment. If you submit proof of outstanding expenses more than 90 days after receiving treatment, then an insurance company has an additional 90 days to submit payment.

If an insurance company denies your claim or refuses to pay medical costs, then a lawsuit may be necessary in order to recover the compensation you deserve.

CALL OUR TEAM AT KAJY LAW

Michigan’s no- fault insurance and personal injury protection coverage are designed to help those injured in car accidents in Michigan, but many people still struggle with navigating insurance companies and claims and receiving the compensation they are owed.

With a 98% success rate, Kajy Law’s car accident lawyers know the laws, procedures, and systems to provide you the help you need and maximize your benefits. Call our team at 877-KAJY-CARES or fill out a contact form for a free consultation.