Work with a Detroit PIP attorney who will make sure you get the most out of your PIP benefits. We won’t let your insurer take advantage of you, and we’ll do everything in our power to win you the fair compensation you deserve.
When you’ve been injured in an auto accident in Detroit, the other driver won’t be paying for his or her mistakes. Because Michigan is a no-fault state, you must initially use your own personal injury protection (PIP) insurance company to pay for your losses.
Here’s the problem: Your own insurance company may not really be in your corner.
Insurers may challenge your claim and even refuse to pay you what you deserve. Your best option for recovering all of your losses may be to hire a Detroit PIP lawyer.
How Do PIP Benefits Work?
The state of Michigan operates under a no-fault insurance system, which can be a little confusing. With at-fault insurance, the driver responsible for the accident uses his or her insurance benefits to pay for the accident. If the driver doesn’t have enough insurance to cover all of your losses, you can sue.
Under our no-fault insurance system, however, your own insurer is required to cover you in the event of an accident, regardless of who was responsible. This sounds great in theory, but it leaves your insurer operating with a motive for not paying you.
The company that is supposed to pay on your claim also gets to decide whether you have a valid claim, as well as how serious your injuries are. Doesn’t seem fair, does it? Your insurer will often force you to go to its doctors. It should come as no surprise that, often, these doctors won’t believe you’re seriously injured.
When the insurer isn’t cooperating with you and you’ve got injuries and bills to address, what do you do? Many victims of these practices rely on the services of a qualified PIP lawyer.
What Does PIP Cover in Michigan?
Just like drivers in any other state, Michigan drivers are required to carry car insurance, but when they sign up, they are getting no-fault insurance with PIP benefits. The PIP benefits are supposed to cover your expenses after an accident. The expenses they are known to cover are missed wages and medical bills, up to certain limits.
Unfortunately, insurers won’t always pay you fairly. They will often deny the amount of coverage you’re requesting. The following is a list of the items your PIP benefits are supposed to cover:
- Missed wages, usually for up to three years with limits
- Damage to others’ personal property but not to your own property
- Medical expenses, such as hospital bills, doctor visits, medications, and physical therapy
- Replacement costs, such as household services
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Turn to an Attorney
Even your own insurance company can treat you unfairly, so if you would like to get the most out of your PIP benefits, it’s often best to hire an attorney. We would be happy to discuss your options in a free consultation. Call a lawyer with Christensen Law, or complete the contact form below.
