Autumn is a wonderful time of year for Michiganders, with its breathtaking fall colors, cool evenings, crisp apples and warm doughnuts fresh from the cider mill. Unfortunately, a number of seasonal hazards make the roads dangerous for drivers, motorcyclists and bicyclists.
Here is an overview of the most common fall perils and how a Michigan car accident lawyer can protect your rights and win the compensation you deserve.
There are several conditions specific to fall that increase the risk of car accidents. Here are the most common hazards drivers face during the months leading up to winter.
Fewer daylight hours
Disrupted sleep cycles caused by Daylight Saving Time
Frost and ice on bridges and elevated roads
Reduced tire pressure
School is back in session
Increased deer population
Recommended reading: Do You Need A Lawyer For A Car Accident That Was Not Your Fault?
Michigan No-Fault insurance covers injuries resulting from most auto accidents, regardless of how the crash occurred. When someone is injured, medical expenses are typically paid according to the level of Personal Injury Protection (PIP) medical coverage selected by the policy holder. A policy with unlimited medical benefits usually covers all reasonable and necessary medical services related to the accident, including rehabilitative therapy, medication, attendant care and transportation to and from medical appointments.
In addition, No-Fault benefits cover a portion of lost wages and replacement services for up to three years, regardless of the specified level of PIP medical coverage.
Injured passengers are generally covered by their own No-Fault policies or other health care insurance. Uninsured passengers may seek reimbursement from the Michigan Assigned Claims Plan (MACP).
In addition, accident victims who are less than 50 percent at fault may be able to sue the responsible party for medical expenses greater than the No-Fault coverage limits as well as intangible damages such as pain and suffering.
Because these cases involve complex legal issues, hiring an experienced car accident lawyer is the best way to receive the settlement you and your family deserve.
No-fault coverage for motorcyclists depends on the circumstances of the accident. Because motorcycles are not considered “motor vehicles” under Michigan law, they are not eligible for the same coverage as cars, trucks and other passenger vehicles. The main difference is that standard motorcycle insurance policies do not include Personal Injury Protection (PIP) benefits, which typically cover accident-related medical bills, up to the limits of the policy, in addition to lost wages, replacement services and in-home care.
If a motorcyclist skids on wet leaves and crashes and no other vehicle is involved, No-Fault benefits do not apply unless the biker is insured under a policy covering another vehicle such as a car or truck. If not, medical expenses would be covered by the motorcyclist’s health insurance plan according to the terms of the policy. This is why many bikers purchase optional PIP coverage to supplement their basic motorcycle insurance.
Accidents involving another vehicle
A motorcyclists injured in an accident involving another motor vehicle, such as a car or truck, may be eligible for No-Fault benefits under the policy covering the at-fault driver (or vehicle owner). In that case, reimbursement would be limited to the Personal Injury Protection (PIP) medical coverage specified in the policy.
However, the motorcyclist may be able to file a claim against the responsible party for medical expenses exceeding the No-Fault coverage limits as well as intangible damages such as pain and suffering.
To achieve the best financial outcome, contact an experienced car accident lawyer as soon as possible, before talking to an insurance agent or signing any papers.
Recommended reading: 12 Most Common Causes of Motorcycle Accidents
If you or a loved one is injured in a Michigan car accident, we can help. Our experienced lawyers have the skills, knowledge and resources to win the compensation you and your family deserve.
Michigan car accident law is complicated, but finding the right car accident lawyer is simple.
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