Distracted drivers account for most of the accidents that happen on the roads today. It doesn’t matter if the driver glances down to answer their phone or read a quick text, life can change in that split second. Worse yet is the driver who is injured due to no fault of their own. They’re hurt because someone else wasn’t paying attention, yet they must suffer with pain and injury that usually follows most automobile accidents. Fortunately in Michigan, required no-fault insurance helps to ensure those involved in an accident receive prompt medical care and lost wage benefits to help minimize some of the aftereffects of a vehicle wreck.
An Attorney Can Still Help
Whether the injured party is hurt seriously or able to return home, there is a lot to do in the aftermath of an automobile accident. Even with the state required no-fault insurance it can become confusing knowing how to proceed. Though drivers must carry their own insurance to cover most of their losses, for a serious accident resulting in catastrophic injuries or a death of another, the driver must understand that they can be held responsible and sued for the accident. Consulting with a car accident attorney in Detroit, Mi can help the driver understand their liability in such a situation.
Basic No-Fault Coverage
Michigan’s required auto insurance policy has three parts that must be in force when a vehicle is on the road.
- Personal Injury Protection (PIP) – This pays medical bills, lost wages and even a stipend for chores that can not be completed during recovery, such as housekeeping or lawn care.
- Property Protection (PPI) – This provides coverage for any damage to another’s property due to the automobile accident.
- Residual Bodily Injury and Property Damage Liability (BI/PD) – This coverage will pay for the driver’s damages to another party, if they are held responsible for serious injury or death due to their wrongdoing.
Though an automobile accident can be disturbing to all involved, knowing that no-fault coverage is ready and able to cover necessary medical care and financial needs can be a comforting fact during this difficult time. For most accidents, standard no-fault automobile coverage will be sufficient, but never hesitate to contact an attorney for clarity, if necessary.