When Michigan No-Fault Law Won’t Help

The no-fault lawyers at Christensen Law want to get you the recovery you deserve after a serious auto accident. But there are some times when the Michigan No-Fault Law isn’t going to provide the relief you need. Here are a few examples of when your auto insurance won’t help.

When Michigan No Fault Law Won't Help

When There Was No Car Involved

The Michigan No-Fault Act only applies to accidents with a motor vehicle involved. If there was no car, there is no auto insurance claim. If you are injured due to someone else’s negligence on a motorcycle, ATV, or bicycle, you may have other ways to get your expenses paid for, but it won’t be through your no-fault auto insurance.

When No One is Injured

For the most part, the Michigan No-Fault Act doesn’t apply to property, only people. So even if your car was totaled, if no one was hurt in the crash, your auto insurance company won’t have to pay any no-fault benefits. You may still be entitled to collision benefits, but that will depend on the policy you chose.

When Michigan Wasn’t Involved

The Michigan No-Fault law covers any accident that happens in the state. It also covers Michigan residents who carry no-fault policies but are injured elsewhere. But if there are no Michigan auto insurance policies involved and the accident happened across state lines, the No-Fault Act won’t help you.

When You Waited Too Long

You only have so much time to file your First Party no-fault claim. Both your initial notice of claim and any lawsuit have relatively short windows of opportunity. Depending on your policy, you may have to notify your auto insurance company of a claim within a matter of days after the accident. In the courthouse, a lawsuit generally has to be filed within one year.

That’s why it is so important to contact the no-fault attorneys at Christensen Law soon after your auto accident. They will help you figure out whether the No-Fault Act will help you, and what you need to do to protect your case. Don’t let the clock run out on your claim. Contact Christensen Law today to schedule a free consultation.