Understanding Michigan's No-Fault Law

Michigan No-Fault Automobile Insurance is 25 years - old. It is required by law in this state. Every owner of a car must show proof of specific basic coverage in order to get license plates. No-Fault Insurance pays for medical and wage losses. It compensates for damages inflicted on other people's property regardless of who is to blame for the mishaps.

Contact us now for professional assistance from our Michigan Lawyers today!

Basic No-Fault insurance does not reimburse for repairs to the cars of policyholders. If you are not a lawyer, you probably will conclude that the law is not easy to understand. Consider, too, that there have been around 1,000 appellate court rulings that add additional meanings to the law. Individuals seeking No-Fault benefits do not get them by taking drivers of the other autos involved in accidents to court. Requests for coverage state when policyholders file claims with the insurance companies through which they are covered.

Are you prepared to take on your insurance company if you have this need to do so? Good luck if you are assuming this task on your own!

Ravid and Associates, P.C. is dedicated to aiding our clients to be aware of the full No-Fault benefits to which they are entitled. Be confident that you will be assisted by a firm that keeps up with the array of details regarding No-Fault coverage in Michigan.

Who gets Personal Injury Protection (PIP)?

• Is it a person's own insurance company or that of his/her spouse or relative living in the same home?


• Is the person who owns the occupied vehicle qualified for benefits if he or she was not operating it at the time?


• If a person's vehicle gets into an accident with a motorcycle, can the motorcycle's driver or passenger collect?


• What rules apply if an individual is a driver or passenger in a vehicle that is in the business of transporting passengers?


• Can the occupant of a vehicle owned by or registered to an employer obtain PIP benefits?

If you do not have an auto insurance company, you may receive benefits through someone else's company or through the Assigned Claims Facility. How does a policyholder begin the claim process?

First, he or she must correctly fill out and submit an Application for Benefits within one year of the crash. Failure to do so will result in the permanent loss of the right for these benefits.

What is at stake, depending upon the injuries and possible limitations involved, are...

• wage loss ( 85% of pre-tax lost wages )


• replacement services ( up to $20 a day ) to pay someone to do household chores


• attendant care for daily nursing needs


• mileage to and from the doctor


• payment for performed medical services

This entails...

• calling and making a No-Fault claim


• submitting the Application for Benefits, Replacement

Services Forms, Attendant Care Forms and Mileage Forms.

Ravid and Associates, P.C. stands ready to handle for you the intricacies of successfully completing your No-Fault Insurance claim.

Contact us now for professional assistance from our Michigan Lawyers today!

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Ravid and Associates, P.C.
Trial Lawyers

23855 Northwestern Hwy.
Southfield, MI 48075

Phone: (800) 948-9696
Fax: (248) 948-5055