Being involved in any accident is dangerous and scary, whether it’s a single-car accident or a multi-car collision. Michigan uses a no-fault system when it comes to insurance, which means that, regardless of who was at fault for your accident, your insurance will cover you.
If you’ve been involved in a single-car accident, whether as a driver or passenger, the driver will likely be at fault for the accident. In such an event, you might be wondering whether you can recover compensation for a single-car accident in Michigan. In most cases, the answer is yes.
Insurance Coverage in Michigan
If you are a Michigan driver who has personal injury protection (PIP) insurance, your own policy may cover you as a driver or passenger. If you were a passenger, you might technically be covered by your own policy and that of the driver, assuming he or she has coverage and is not driving uninsured.
When two policies overlap in coverage, the involved insurance companies will need to make a decision as to which company must cover you.
You May Not Be at Fault for Your Accident
In some cases, you may not be the one at fault for the accident. Factors other than driver error can cause single-car collisions. For example, poor road conditions, construction zones, and faulty car parts can all cause single-car accidents in Michigan.
Under these conditions, your injury attorney may be able to help you file a personal injury claim against the responsible parties if your damages exceed the limits of your no-fault insurance policy.
What Compensation Does PIP Provide?
Even the minimum insurance policy Michigan law allows will provide you with protection in the event of an accident. Michigan’s no-fault benefits require you to file a claim with your insurance company within one year of the accident. Your insurance policy should provide you with compensation for the following:
- Medical costs
- Missed wages for up to three years
- Household replacement services and caregiving services
If you purchase additional collision coverage with your insurance provider, you may also have the damage to your vehicle covered.
Consult with a Michigan Injury Attorney
You can recover compensation for a single-car accident in Michigan. If you’ve been injured in an auto collision, speak with an attorney who can help you file a claim to receive fair compensation.