No Fault Law
Have you been injured in any type of automobile accident?
Zuppke Law is your Michigan No-Fault accident law firm. Having represented people injured in car, motorcycle, and other automobile cases for the last 34 years, we have the experience you need to get the recovery that you deserve. Our motto is simple, winning is the only option.
When we accept your case, we plan for trial and fight to win.
If you’ve been severely injured in a car accident, then you should immediately contact our firm. We won’t take your claim unless it has the merits to survive an entire jury trial. If you’re unfamiliar with the Michigan No-Fault Act, keep reading.
Under the Michigan No-Fault Act, your ability to make a claim against another driver is contingent on the severity of your injuries. There are 2 types of No-Fault Auto claims: 1st party claims and 3rd party claims.
1st party claims are made directly to your own insurer. That means that if you’re involved in an accident, then you should immediately make a claim to your own insurance company. If you haven’t suffered a serious impairment of bodily function, then your exclusive remedy is contingent on the amount of coverage that your policy provides for.
Currently, the No-Fault minimum coverage benefits are as follows:
- Up to $20,000 for a person who is hurt or killed in an accident
- Up to $40,000 for each accident if several people are hurt or killed
- Up to $10,000 for property damage in another state
3rd party claims entitle you to pain and suffering (noneconomic damages) and excess economic damages beyond what your policy provides for. These claims are made against the person that caused the accident. A 3rd party claim is made outside of your own insurance company. In order to be eligible to make a 3rd party claim, then you must suffer from threshold injuries that the law defines as a serious impairment of a bodily function.
(a) The issues of whether the injured person has suffered serious impairment of body function or permanent serious disfigurement are questions of law for the court if the court finds either of the following:
(i) There is no factual dispute concerning the nature and extent of the person’s injuries.
(ii) There is a factual dispute concerning the nature and extent of the person’s injuries, but the dispute is not material to the determination whether the person has suffered a serious impairment of body function or permanent serious disfigurement. However, for a closed-head injury, a question of fact for the jury is created if a licensed allopathic or osteopathic physician who regularly diagnoses or treats closed-head injuries testifies under oath that there may be a serious neurological injury.
The above language is taken immediately out of the Michigan No-Fault Statute. If you want to sue beyond your policy, then you’re going to have to survive the threshold test.
Don’t make life changing decisions alone.
Contact us. Our firm is located in the heart of Royal Oak, Michigan. Remember, we sneer at insurance companies who do everything in their power to fight you and your claim. Let us help you. Call today.