Michigan Auto Insurance No Fault

Wage Loss
According to the no-fault auto policy in case you are injured in an accident and unable to work, your insurance company should pay you wages for a maximum of 3 years after the accident. Since the maximum monthly payment could be within $4,070, you could claim for a higher wage loss if you are receiving higher income.
Medical Expenses
Whether you are in fault or not, your auto insurance policy should provide coverage for reasonable medical expenses from your health providers. If this is not met fully the auto insurer will then take care of medical expenses that your health provider does not cover.
So in this case it is always better to carry an un-coordinated auto policy in which case you auto carrier is the primary insurer whether health insurance is available or not. You have a lot of benefits when you carry this uncoordinated auto policy.
Bodily Injury Claim
Suppose you are involved in a accident that has caused you partial or full maim of a your appearance, according to the Michigan no-fault auto insurance you could claim a minimum coverage of $20,000 to $40,000 per occurrence. But at the same time carrying minimum insurance coverage exposes your personal assets to a lawsuit.

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You can think of uninsured motorist coverage where you stand to benefit when involved in an accident like a hit and run case or when the driver of the other car has no insurance, you could get coverage through your no-fault coverage. But this is optional and is left to your decision.
It is highly recommended to obtain Michigan auto insurance no fault coverage for the following important reasons.

====> Wage Loss coverage - you can claim wages for the next 3 years after the accident.

====> Medical Expenses - you can make extra medical claims that are not covered under your regular health claims.
====> Bodily Injury Liability - if you have a loss of a limb or a maimed body you could claim according to the extent of the injury, even for death there is a claim.

====> Uninsured Motorist coverage - if you are involved in an accident where the other person is not insured or not covered under all these claims.

====> Underinsured Motorist coverage - when the person involved in an accident is not fully insured and is unable to pay compensation to you, you could make claims.

It doesn't mean that you should not take coverage for other reasons, but these five are very important and will be useful to you in the event of an accident caused by you or any other driver that does not come under the above mentioned coverage.

The best advice could be and what I want to say to you is "drive safely and avoid alcohol while driving, be cautious when negotiating curves and avoid overtaking at great speed. Drive safely and stay alive to enjoy the works of the Almighty."

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