Michigan PIP Benefits: What You Need To Know
PIP Medical Coverage Options. There are six PIP medical coverage levels available to Michigan drivers. Under these limits, this amount is the most a driver’s auto insurance company will pay per person per accident for an injured person’s expenses under PIP medical coverage. Unlimited coverage. Up to $, in coverage. Up to $, in coverage. Jun 20, · Personal injury protection (PIP) insurance in Michigan is intended to give car accident victims the medical care and wage loss benefits they will need after being involved in a car accident. PIP benefits are paid by a person’s own auto insurance company. Personal injury protection insurance benefits are paid regardless of whether a person was at-fault in causing a car accident.
Personal injury protection is an auto insurance whst that pays for medical expenses, lost wages, and more for you and your passengers after an auto accident—regardless of who caused it.
It typically includes other benefits like lost wages, funeral expenses, essential services, death benefits, and more. All states with a no-fault insurance system require you to have personal injury protection as part of your car insurance policy.
Legislation introduced the no-fault system in the s to make it faster and easier for accident victims to receive compensation, regardless of who was at fault for the accident. States where PIP is required or optional have laws that allow policyholders to seek compensation from their own insurance company after an accident. In some of these states, known as no-fault states, you can only sue the other driver for additional medical expenses or pain and suffering if your how to put pins on a google map meet a state-specific tort threshold.
Thresholds can either have verbal terms, like death or pup disfigurement, or monetary terms, such as minimum dollar amounts for medical bills. But because your medical bill is below the tort threshold, you cannot sue the driver who hit you for pain and suffering. But drivers get compensation from their own insurers as they would in no-fault states.
In some of these states, PIP is still required, while in others, coverage is optional. Anyone insurane drives your car regularly should also be on your policy.
Your insurer may not pay out PIP benefits if the driver:. Additionally, passengers or relatives who live with you and own their own cars may not be covered by your PIP coverage. They may have to purchase PIP for themselves. Some states require PIP insurance as part of your car insurance policy, so if you live in one of them see tableyes, you need PIP coverage. Plp other states only offer medical payments coverage.
When available, medical payments coverage is nearly always optional. Both coverages help pay medical expenses for you and your passengers after a wha accident, regardless of who caused it, but PIP has additional coverages.
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Car Insurance Car Insurance Basics. Table of Contents Expand. Table of Contents. Definition of Personal Injury Protection Insurance. Medical Payments vs. PIP Insurance. Full Bio Follow Linkedin. Lorraine Roberte is an insurance writer for The Balance.
As a personal finance writer, her focus areas include money management and insurance-related topics. Read The Balance's editorial policies. State PIP Required? Medical Payments Insurance PIP Insurance Available in at-fault states and states with add-on systems Available in states with no-fault or add-on systems Almost always optional May be required or optional Covers medical and funeral expenses Covers medical expenses, essential services, and more.
PIP is optional in another four states and Washington, D. You can also only sue for severe injuries or pain and suffering if you meet certain conditions. You can have both types of insurance if your state or insurer offers it, in which case your medical payments may act as secondary coverage. Article Sources. Your Privacy Rights. To change or withdraw your consent choices for TheBalance. At any time, you can update your settings through the "EU Privacy" link at the bottom of any page.
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Sep 30, · As of July 2, , auto insurance reform to Michigan's personal injury protection (PIP) requirements went into effect and may help drivers save on car insurance. Details of this measure, including potential savings, are outlined here. In Michigan, all drivers must carry personal injury protection, sometimes called "no-fault" insurance. PIP is required in Michigan. Also referred to as “personal protection insurance” or “personal injury protection” insurance, PIP is one of the mandatory auto insurance coverages under the No-Fault law. Anyone who drives regularly in Michigan must have it. . Michigan reforms auto insurance PIP coverage. Effective July 1, , you can choose your insurance protection (PIP) options. Governor Gretchen Whitmer signs the law changing PIP options effective July 1, , more details on other changes can be found at the Michigan DIFS site. After this date, the only people who will be eligible for benefits through the MCCA after an accident will be the people who .
Michigan PIP benefits help car accident victims recover and rebuild their lives after tragedy has struck. And by reimbursing victims for the wages that are lost when disabling injuries and limitations prevent a return to work, they provide the financial support that victims and their families need to begin rebuilding their lives.
Anyone who drives regularly in Michigan must have PIP benefits insurance on their vehicles. If you have been injured in a car accident, then you are legally entitled to collect Michigan PIP benefits under the auto No-Fault law. These benefits, which will help you recover from your accident-related injuries and begin to rebuild your life, include the following:. The extent to which PIP benefits will cover your accident-related medical bills will depend on the No-Fault PIP medical benefits coverage level that was selected in the auto insurance policy through which you have filed your claim for PIP benefits.
MCL For auto insurance policies issued or renewed after July 1, , the medical coverage level will be one of the following:. The prohibition against these non-driving factors begins July 1, PIP is required in Michigan. Anyone who drives regularly in Michigan must have it. There are severe penalties for driving without PIP. When your PIP benefits are unpaid and overdue, you can sue your auto insurance company.
But your lawsuit must be filed within one year from the date that the medical bill or wage loss or replacement service was incurred, otherwise you will lose your legal rights to sue to get recover the unpaid, overdue PIP benefits. You can also get help from an experienced attorney by emailing [email protected] or you can use the chat feature on our website. Michigan Auto Law is the leading and largest law firm in Michigan exclusively handling auto accident cases for more than 50 years.
By answering a few simple questions we can help you determine how much your accident case could be worth. Have you been injured? How can we help you? This field is for validation purposes and should be left unchanged. No-Fault Insurance Benefits. Share 3. Pin 1. What are Michigan PIP benefits? These benefits, which will help you recover from your accident-related injuries and begin to rebuild your life, include the following: Medical Expenses — Your accident-related medical bills and expenses will be covered up to the dollar amount of the No-Fault PIP medical benefits coverage level selected in the auto insurance policy through which you are claiming PIP benefits.
However, for policies issued or renewed after July 1, , unlimited is one of the several coverage level options that drivers may select from.
Wage Loss — If your accident-related injuries have disabled you from returning to work after your car accident, then your PIP benefits will reimburse you for the wages you have lost.
Wage loss benefits are available for three years from the date of the accident and subject to a monthly maximum. The services can be provided in your home by a family member or a nurse hired from a commercial agency.
Additionally, attendant care provided in a residential facility is also covered. Importantly, after July 1, , No-Fault auto insurance companies will not be obligated to pay for more than 56 hours per week of in-home, family-provided attendant care.
But attendant care providers and auto insurance companies can contract to provide paid coverage in excess of the weekly limit.
You will be barred from collecting PIP benefits to pay for your lost wages. You will be barred from suing the at-fault driver for excess medical benefits and lost wages, pain and suffering compensation and vehicle damage through a mini tort claim. How do I claim my PIP benefits? Who pays my PIP benefits? When are PIP benefits paid? Your 3 Potential Cases. In the News.