Michigan No-Fault Insurance Claims

That Insurance Company Promised to Take Care of You After An Auto Accident.

You Need a Lawyer Who Will Personally Make Sure The Auto Insurance Company Does Just That. Call Jon Frank at 877-FRANK-LAW Today.  He Understands.

You Never Missed Paying Your Auto Insurance Premiums.

Now Your Auto Insurer is Cutting You Off Just When You Need Them Most.  What Do You Do?

You have always paid your insurance premiums on time, every month. And the insurance company was your best friend, too……. until you had an auto accident, and dared to suggest that they should make good on their promise to give you the coverage you paid for  – for years.

Michigan’s No-Fault system is based on a trade-off: In exchange for giving up some rights to sue, you are supposed to be able to get your Michigan No-Fault benefits — the ones that will pay your bills now, more easily, and without hassle or litigation. Those benefits include:

  • Medical Bills
  • Lost wages & Income
  • In-Home Care (either professional or provided by a friend/family)
  • Partial Reimbursement for Household Expenses

Folks hire me all the time, to pursue “pain & suffering” dollar damages, from their car accidents.  However, it is often more critical for your household that the insurance company keeps its promise to pay the categories of bills listed above.  You need these insurance company promises to be kept, during the time that I am pursuing the at-fault driver for accountability.  These benefits may be the difference of being able/unable to pay your mortgage or rent; being able/unable to feed your family; and being able/unable to pay other critical expenses like medicine, expenses for your children’s care, etc.

Just because the Michigan No-Fault Act requires auto insurance companies to keep their promises, does not mean that they always do.  Unless you have aggressive, knowledgeable legal help, you will likely have no way of holding the insurance company’s feet to the fire.  That is why you need to call Jon Frank at The Frank Law Firm, PC, 877-FRANK-LAW.

Insurance companies have ways, some legitimate, and some sneaky, by which they dodge and duck having to pay on the promises they made, that you paid for.  You need someone who knows what auto insurers are allowed to do, and what they are not allowed to do. That is why you need to call Jon Frank at The Frank Law Firm, PC, 877-FRANK-LAW.

You are welcome to call me at 877-FRANK-LAW, to discuss your matter.  If you prefer, you can fill out the form I am attaching below, print it, and send it to me by fax or email, so we can discuss your rights in greater depth.  I would be happy to help.

Free Consultation Voucher – Disputed Auto Insurance Claims

(Ethical rules prohibit us from discussing your matter, if you already have an attorney.  If you do have an attorney, call them for legal advice; if you do have an attorney, ask them why they are not keeping you informed of your rights)

What is Worst? That You Had An Accident & Got Hurt Badly Enough to Ask Your Insurance Company to Give You The Help They Promised?

Or Is It Worse That They Now Refuse to Give You The Help You Have Paid For All These Years? How Do You Like Having Your Trusted Insurance Company Refuse to Help, Based On The Opinion of a Doctor Who Saw You For 15 Minutes & Knows Nothing About You?

Call Jon Frank at The Frank Law Firm, PC. Jon Will PERSONALLY See to It That Your Insurance Company Does Right By You.  Call 877-FRANK-LAW Today!

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Frequently Asked Questions

What is a No-Fault Claim?

A no-fault claim is a legal action against an insurance company for certain expenses related to an auto accident.

Do I Have to Go to Court?

No, and you will find that I will be handling most of the day-to-day details. Not only that, I will keep you informed every step of the way, by email, or by regular mail. I will literally copy you on every piece of mail or email I send out.

Meanwhile, by getting your case ready for trial, I will make it that much less likely that the insurance company will want to try it.

Do I Need to Hire an Attorney?

You should not have to. In fact, the Michigan No-Fault system was designed to make the process of filing a claim so simple, that you should not need to hire a lawyer. Unfortunately, insurance companies are more interested in protecting their bottom line than they are in protecting their insured customers, who faithfully pay their premiums year in and year out.

An experienced no-fault attorney understands the tricks that insurance companies will try to pull and give you the advantage of using Michigan law to its fullest extent.

You are welcome to call me at 877-FRANK-LAW, to discuss your matter.  If you prefer, you can fill out the form I am attaching below, print it, and send it to me by fax or email, so we can discuss your rights in greater depth.  I would be happy to help.

Free Consultation Voucher – Disputed Auto Insurance Claims

(Ethical rules prohibit us from discussing your matter, if you already have an attorney.  If you do have an attorney, call them for legal advice; if you do have an attorney, ask them why they are not keeping you informed of your rights)

Can I Get Compensation for Medical Bills?

Yes. Medical expenses related to your auto accident are eligible to be covered through a no-fault claim, including in-home care.

What is Covered in a No-Fault Claim?

The Michigan No-Fault Act allows claims in the following categories:

  • Accident-related medical bills
  • In-home personal care (sometimes called “attendant care”, provided either by a professional, or by a family member or loved one
  • Accident-related wage loss
  • Partial household expense reimbursement.

Can I Recover Lost Wages for Missed Work Time?

Yes. If your auto accident resulted in loss of wages you may be able to receive additional compensation – even if you were unemployed at the time of the accident.

How Long Do I Have to File a Claim?

You have one year from the time of the accident, to give the insurer written notice of the claim. Once you have done that, you then have one year from the date of the last unpaid no-fault expense, to sue.

Example:

January 1, 2017 accident (written notice given), Last Unpaid Expense: January 1, 2018 doctor bill

You have until January 1, 2019, to file suit on that unpaid doctor bill. After that time, the no-fault insurance carrier can no longer be held responsible for payment.

Can I Sue Both the At-Fault Driver & My Insurance Company?

Yes. I will make a claim for you against the at-fault driver’s insurance company, and if we cannot settle that claim, I will sue the at-fault driver.

What Happens if I Do Not Want to Sue My Own No-Fault Insurance Company?

If I am representing you on the pain and suffering accident claim against the at-fault driver, I will gladly help you “behind the scenes”, on your No-Fault claim, WITHOUT CHARGE.

However, I can do that only if I am representing you on your accident claim, and only up to the point where the insurance company and you cannot resolve your issues without my help. At that point, I would be glad to help, but at that point, I would have to charge for my work, although I could do it for you on a contingent fee basis (no recovery, no fee).

How Much Will All This Cost?

I handle most No-Fault matters on a contingent fee basis, meaning that I get paid, only when I successfully resolve your No-Fault matter. If no recovery is made, no fee will be charged.

What if I Caused the Accident? Can I Still File a Claim?

Absolutely. That is why our system is called a “No-Fault” system. Under MCLA §500.3105(2), No-Fault benefits are paid without regard to accident fault.