What is a Detroit No-Fault Crash?

A Detroit no-fault accident is a car accident that occurs in the Motor City and is covered by the requirements and provisions of Michigan’s No-Fault auto insurance law.

Most importantly when it comes to paying for your accident-related medical bills and lost wages if you’re injured so badly that you can’t return to work, you will be entitled to financial support through No-Fault benefits regardless of whether you at fault in causing the accident that resulted in your injuries.

In other states that have a pure tort-based system, that isn’t the case. Car accident victims get financial help with medical bills and lost wages only if they can prove the other driver was at-fault. If they don’t, then the victims have to pay out-of-pocket or rely on their health insurance.

Significantly, subject to the coverage level limits in your auto insurance policy or the policy through which you’re claiming benefits after a Detroit No-Fault crash, your benefits will help cover your: (1) medical expenses; (2) reimbursement for lost wages; (3) traveling costs for going to and from doctor and medical appointments; (4) household replacement services; and (5) attendant care services.

There are limits to the “no fault” nature of the law, however.

When you have been injured in a Detroit No-Fault crash, you may be able to file a pain and suffring lawsuit for compensation against the negligent driver who caused the accident, but only if you can prove that he or she was at-fault for causing the crash.

Additionally, your Michgan car accident lawyer has to prove that your accident-related injuries caused you to suffer a “serious impairment of body function,” which means your injuries caused you to suffer an impairment that affects your general ability to live your normal life, i.e., the life you were living before you were injured in the crash.