Need a Marquette Michigan No-Fault lawyer? Is your car insurance company not paying your medical bills? Look no further. Andriacchi Law is well-experienced in no-fault car insurance claims.
Your Marquette Michigan No Fault Lawyers: Andriacchi Law
Look no further than Andriacchi Law for your No-Fault claims. We have been handling them for many years now, and have dealt with everything under the sun.
We’ve helped injured people get:
- Increased “attendant-care” rate of pay up many dollars per hour (equaling thousands of dollars of increased benefits per year)
- The insurance company to pay unpaid medical bills
- Reimbursed medical expenses and medical mileage
- Work-loss benefits re-started after denying work-loss
- Etc.
See our Marquette Michigan personal injury attorney results.
Don’t know what your No-Fault insurance benefits are? Read here.
In Michigan, the owner of a vehicle (a car, truck, whatever) must have No-Fault car insurance on it. Otherwise, the car cannot operate on any Michigan road. It is a one-year misdemeanor to do so. (Michigan Compiled Law 500.3102(2).)
In theory, insurance companies help injured people after a crash. They are supposed to pay for:
- “… reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person’s care, recovery, or rehabilitation”
- Up to $5,000 for funeral and burial expenses
- Work loss benefits (basically 85% of the full wages) for up to three years after the crash
- $20.00 per day in “ordinary and necessary services” that the injured person would have performed if they were not injured.
That’s from MCL 500.3107.
That is a rough summary of your “personal protection insurance benefits.” (Also called “PIP benefits.”) Obviously, there are exceptions. But, that’s a good, basic introduction to a complicated area of law.
Here’s a couple examples: your insurance company is supposed to pay your medical bills to modifications for you to live at home (like a wheelchair ramp).
What about the new No-Fault law. Does that cap my No-Fault PIP benefits?
It depends. You need to review your policy.
If you selected full, unlimited PIP coverage, then, in theory, you’re entitled to full, unlimited coverage. But, if you decided to cap your PIP coverage at a certain amount ($250,000.00 for example), then your car insurer pays up to that amount. We’d need to read your policy to know for sure.
Understand: this is only a rough summary of a huge area of the law. You need to sit down and go over everything with an experienced PIP lawyer to know all your benefits.
But I’m at fault for causing the crash. Does that matter?
No, it makes no difference. That’s the “No-Fault” portion of No-Fault law. The statute is MCL 500.3105(2): “[p]ersonal protection insurance benefits are due … without regard to fault.”
That’s another good thing. Trust me, you really don’t want your insurance company deciding if you were at fault before deciding to pay your medical bills. That’s a recipe for disaster.
But, all of that is in theory. In the real world, car insurance companies do some nasty, underhanded things to get out of paying No-Fault PIP benefits.
Wait! You’re telling me insurance companies try to not pay valid claims? You’re joking!
I wish I was. We’ve handled many, many cases where the car insurer would do a variety of tricks to get out of paying valid claims for people who were seriously – and legitimately – hurt.
What things do car insurance companies do to get out of paying a No-Fault claim?
They pull out all the stops. Here’s some examples of the stuff they do:
- Stop sending forms for the injured person to fill out for their benefits.
- Hire a private investigator to do surveillance before there’s any reason to do so.
- Send the person to a doctor they use over and over and pay thousands upon thousands of dollars to for the doctor to say the person isn’t injured.
- Say that the claim is “under investigation” for months on end while not saying what they’re investigating or why.
- Deny paying a claim if the ER doctor not diagnose the specific injury immediately after the crash, even though another doctor did weeks later.
It goes on and on.
Insurance companies will take advantage of people when they can.
Remember: the adjuster wants to keep their payouts below a certain amount. The less they pay, the “better” they are at their job.
Yet at the same time, we see the ads or hear the commercials where they tells us we’re in good hands, they’re our neighbor, and that we can trust them.
Yeah. Right.
Ready to get serious about your No-Fault PIP car insurance benefits? Then you need a Marquette Michigan no fault lawyer who is serious about them, too.
We’re personal injury attorneys that help people who have been seriously injured. We don’t accept every case that comes in the door.
If you need a Marquette Michigan No Fault lawyer, you’ve come to the right place. We have the knowledge, skills, and experience to back that up, too.
You go to a brain surgeon for brain surgery. You don’t go to a family care doctor.
Likewise, you go to a Marquette personal injury lawyer who knows what he’s doing. This isn’t our first rodeo.
We’ve “been there, done that.” Don’t believe me? You can read our results here to see that we help people who are seriously hurt. You can also read our client reviews here or read our Google reviews. We’re proud that our clients believe in us so much.
In No-Fault cases, we sometimes take the cases hourly or on a contingency fee basis. It just depends on the specific case. Click here to read more about how contingency fees work.