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10 Things You Need to Know About No Fault Insurance

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1. If you're going to move it, insure it. If you own a motor vehicle disable it until it's insured. You own a motor vehicle if you hold legal title or have use of it for 30 days or if you've immediate right of possession under an installment contract. If you're caught without insurance you'll be fined. If you're in an accident and are at fault you can be sued with the limitation imposed by the No Fault law. If you're hurt in a motor vehicle accident in the uninsured car no car insurance will pay your medical bills, wage loss. Replacement loss and you can't sue the person at fault. If someone else is hurt in an uninsured car you own you may be required to reimburse the Assigned Claims Fund for No Fault benefits it may pay for those injured in the accident. The reimbursement may include medical bills, wages and replacement expenses. It may include injuries to your own relatives.

2. After an accident notify your insurance company and send or deliver your insurance company an Application of No Fault insurance. To be eligible for No Fault benefits an injured person must notify the insurance company that's required to pay No Fault benefits within one year of the accident. In some cases an insurance company aside from your own is required to pay No Fault benefits. If your insurance company won't pay contact a lawyer to see whose company is required to pay. Remember you only have 1 year to notify the correct insurance.

3. All medical bills, wage losses. Replacement services are paid before the first anniversary of the date the bill or loss was incurred. Not even a court can order the insurance company to pay for service rendered more than one year in the past. don't let any bill or loss become stale.

4. If you're entitled to sue the driver at fault you must generally do so before the legal time limits expire. For a motor vehicle accident the legal time limits is generally 3 years of the date of the accident. There are exceptions. As a rule of thumb make sure you do something well before the third anniversary of the accident. An attorney will need time to pull together all the information needed to file a lawsuit before the time limit expires.

5. Remember you can be entitled to No Fault benefits even if you're at fault in an accident. Michigan has a No Fault system. you're entitled to No Fault benefits for injuries arising of the operation, use. Maintenance of a motor vehicle as a motor vehicle. The law doesn't require you to be without fault.

6. If you're injured changing a tire on a motor vehicle you're may be entitled to No Fault benefits. Changing a tire is maintaining a motor vehicle and is covered.

7. If you're injured while entering or exiting a motor vehicle you may be entitled to No Fault benefits. Entering or exiting a motor vehicle is using a motor vehicle as a motor vehicle.

8. If you're working and are injured in a motor vehicle accident you may be entitled to both workers’. Disability compensation and No Fault benefits. Deduction from No Fault apply when workers’. Disability compensation pays. it's definitely worthwhile to have a lawyer review your circumstances.

9. Keep track of medical expenses. you're the only person who can keep up to date on medical treatment. Some services aren't apparent and you need to be vigilant to keep track of them. Surgery will require an anesthesiologist. Make sure you turn those bills into the insurance company. Remember a bill that's more than one year old won't be paid by the No Fault insurance company.

10. If you drive your own motorcycle insure it. Although you're not required to carry No Fault insurance, you're required to insure your motorcycle with liability coverage. If you don't and are in an accident you'll not be entitled to No Fault benefits.

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