Michigan car accident loans

No-Fault Auto Insurance: Michigan is a no-fault state for auto insurance. This means that after a car accident, each driver’s own insurance typically covers their medical expenses and certain other damages, regardless of who was at fault.

Personal Injury Protection (PIP) Coverage: Michigan requires all drivers to carry Personal Injury Protection (PIP) coverage as part of their auto insurance. PIP helps cover medical expenses, wage loss, and essential service expenses for the policyholder and passengers injured in a car accident.

Modified Comparative Fault: Michigan follows a modified comparative fault system. If you are partially at fault for a car accident, your compensation may be reduced proportionately to your percentage of fault. However, you can only recover damages if your fault is determined to be less than 50%. If your fault is equal to or greater than 50%, you may not be eligible to recover any compensation.

Statute of Limitations: In Michigan, there is a statute of limitations for filing a personal injury lawsuit after a car accident. You generally have three years from the date of the accident to initiate a lawsuit seeking damages for injuries or property damage resulting from the collision.

Mini-Tort Law: Michigan has a mini-tort law that allows drivers to recover up to $1,000 from the at-fault driver’s insurance company for vehicle damage not covered by their own insurance. This is only applicable in certain circumstances.

Uninsured/Underinsured Motorist Coverage: Michigan requires auto insurance companies to offer uninsured and underinsured motorist coverage to policyholders. This coverage can protect you if you are involved in an accident with a driver who does not have insurance or whose insurance coverage is insufficient to fully compensate you for your damages.

Cell Phone Use: Michigan law prohibits all drivers from using handheld electronic devices, including cell phones, for texting, making calls, or accessing the internet while driving. Only hands-free devices are allowed.

Seat Belt Laws: Michigan has primary enforcement seat belt laws, meaning law enforcement officers can stop and ticket drivers solely for not wearing seat belts. All occupants in the vehicle, both front and rear seats, are required to wear seat belts.

Mandatory Reporting: Michigan law requires drivers to report car accidents to the local police department if the accident results in injury, death, or property damage exceeding $1,000.

Michigan Catastrophic Claims Association (MCCA): The MCCA is an entity that provides unlimited medical benefits to individuals who suffer catastrophic injuries in car accidents. This coverage is funded through a fee assessed on all Michigan auto insurance policies.