If you were injured in a car crash in Michigan, you might be able to receive Michigan medical expense benefits through no-fault insurance. If successful, these expenses might cover costs for hospital visits, doctor appointments, physical therapy treatment, prescriptions, ambulance trips, and medical appliances, such as wheels, crutches, and others.
Furthermore, you might be entitled to payment for mile and transportation expenses for your medical appointments. However, navigating the claims process alone and understanding how to request compensation might be difficult. By working with a skilled attorney, you could have help to understand your options and decide how to proceed.
Medical Expenses Covered by No-Fault Insurance
Michigan’s no-fault coverage has some of the most generous medical expense provisions in the United States. Outlined in MCL 500.3107, the allowable expenses in the state consist of virtually any expense incurred by an injured claimant that is essential to their recovery process—including care and rehabilitation costs.
However, exceptions to this cover exist—such as needing to justify expenses—which is why an injured motorist may benefit from the counsel of a well-versed attorney when seeking compensation. Essentially, to receive these benefits, an applicant must:
- Determine which insurance company is responsible for paying a no-fault claim
- Request an application for no-fault insurance benefits
- Submit an application
- Obtain attending physicians report
- Submit medical expenses to the insurance company within one year of the date of service
Medical Mileage Payments
Along with other medical expense benefits, no-fault insurance might require an insurance company to pay a reasonable rate, per mile, for every mile of travel that an injured person travels to and from medical appointments. Furthermore, if a person does not have a form of transportation available, the insurer might have to pay a transportation company to take them to and from doctor appointments, therapy treatments, and other required medical trips.
These claims must be submitted to the insurance adjuster working on the claim. To do so, a person must make a list of the days they attended appointments, the name and address of the doctor or clinic, and the distance to and from their home. These claims should be submitted every thirty days.
If an insurance company refuses to pay these benefits, a claimant’s only legal recourse is to file a lawsuit. If so, a person must pursue a lawsuit within one year from the date when their last unpaid benefit was incurred. Usually, these lawsuits seek payment for unpaid expenses, such as medical bills or attendant care services.
Are There Limits on Medical Expense Benefits?
There are no limits on the amount of compensation that the no-fault insurance company must pay for medical expense benefits in Michigan. The only limitation is that the medical bills must be reasonable and necessary for a person’s care, recovery, and rehabilitation. When appropriate, however, these benefits might last a person’s lifetime.
If an applicant’s car insurance policy has coordinated medical coverage, their health insurance is responsible for paying their medical bills, while the no-fault insurance company would cover the bills not covered under health insurance—including co-pays and deductibles. As a result, it is important for a person to keep close track of their out-of-pocket expenses.
Call a Lawyer to Pursue Medical Expenses Through Michigan’s No-Fault Insurance
If you were injured in a car collision, consider reaching out to a dedicated lawyer to discuss your legal options and avenues for pursuing recovery. Even if no other driver can be deemed at fault for a civil lawsuit, you might still be able to pursue medical expenses through Michigan medical expense benefits under no-fault insurance.
However, navigating the claims process alone might prove confusing, especially as you recover from your injuries. To learn more, call a legal professional at Buckfire & Buckfire, P.C. today.
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Detroit, MI 48226
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