Michigan is a no-fault state, which means that motorists who drive automobiles such as cars and trucks are required to purchase no-fault insurance. This insurance provides personal protection (PIP) coverage to motorists if they are injured in an accident. In most states, when an accident occurs, drivers file a claim against the at-fault individual’s insurance company, but in Michigan, they turn to their own regardless of fault.
Motorcycles are specifically excluded as motor vehicles under Michigan state law. This means that motorcyclists will be unable to purchase a no-fault policy that provides unlimited personal injury protection coverage, although they are still required to carry liability coverage for bodily injury, property damage, and death. However, no-fault benefits could still be available to you if you are injured in a motorcycle accident caused by another motorist’s negligence. In that case, you could be compensated by the other driver’s no-fault insurance policy.
If you are a motorcyclist who has been injured in an accident caused by another motorist, contact a Macomb County motorcycle accident attorney at Mihelich & Kavanaugh, PLC, today for a free consultation to discuss your legal options.
Can I Collect No-Fault Benefits For A Motorcycle Accident in Michigan?
If you sustained injuries in a motorcycle accident due to someone else’s negligence, then you could be entitled to recover compensation through the at-fault motorist’s no-fault insurance coverage. Under Michigan law, you would be entitled to recover all the same benefits that a motorist would be able to recover under their own policy if they were involved in an accident.
You could seek compensation even if the vehicle did not hit you. If the at-fault driver’s actions or inaction caused your crash, then you would likely still be entitled to recover compensation under their policy. For instance, if a motorist backed out of a driveway without looking, causing you to swerve and run off the road, you could still pursue fair compensation.
No-fault benefits do not apply if you are involved in an accident with another motorcyclist or collide with a fixed object.
What No-Fault Benefits Can I Receive After A Motorcycle Accident in MI?
If you are injured in a motorcycle accident after being struck by a vehicle, you could be eligible to collect the same benefits you would have if you had been driving a car. No-fault benefits include:
● Medical expenses
● Other costs associated with essential products, services, and lodging for your care, recovery, and rehabilitation.
● Lost wages if you cannot return to work for some time after the accident.
● Replacement service expenses for domestic services you would have provided for non-income purposes had you not been injured.
● Survivor’s loss benefits, payable to your loved ones if you die in the accident.
You must give statutory written notice to the motorist’s no-fault insurance provider within one year of the date of the accident that caused your injuries, or you may forfeit your ability to collect the compensation you deserve.
Contact a Macomb County Motorcycle Accident Lawyer
If you have been injured in a motorcycle accident, contact one of our dedicated Macomb County motorcycle accident attorneys at Mihelich & Kavanaugh, PLC. We will evaluate your case, discuss your legal options with you, and help you seek the compensation you deserve. Contact us at (586) 776-1700 to schedule a free consultation with one of our attorneys.