Michigan is a no-fault-insurance state when it comes to car accidents, and this means that things work a bit differently when accidents occur. If you are injured in a car accident, you will first turn to your personal injury protection (PIP) policy and will naturally need to know what personal car insurance covers. Keep reading to learn more, and if someone else's negligence leaves you injured in a car accident, consult with an experienced Michigan car accident lawyer at Conybeare Law Office today.

Does health insurance cover car accident injuries?

Your health insurance may coordinate with your car insurance policy to cover your medical expenses after a car accident (if you carry coordinated car insurance). 

Does car insurance cover at-fault accidents?

If you are seriously injured in a car accident that was caused by another driver’s negligence and your injuries are serious enough, you can bring a case against the driver who hit you to cover your medical expenses and lost earnings that exceed your car insurance coverage. Additionally, you can seek money for your physical and emotional pain and suffering in such a case. 

Does car insurance cover drunk driving accidents?

Yes. If you were the victim of a drunk driving crash, you likely have two claims: (1) a claim against your car insurance for your Michigan no-fault benefits, such as medical bills and wage loss benefits; and (2) a claim against the drunk driver for your pain and suffering damages, and other damages over and above what your car insurance covers.  

What does personal accident coverage mean in car insurance?

Personal accident coverage is another name for your PIP coverage. You may also hear your car insurance coverage referred to as PIP, no-faulty, or first-party coverage. It’s all the same thing. It’s the insurance on your car you turn to for things like medical bills and wage loss. 

What does car insurance pay for when someone is killed in a crash?

Michigan no-fault insurance pays certain benefits when someone is killed in a car crash, such as lost wages for up to three years and replacement services ($20 a day for services the deceased person would have otherwise provided). While these benefits are helpful, the only way to obtain full justice for this type of loss is to pursue a wrongful death claim against the at-fault driver. When someone close to you is taken, the law says that your human losses – your love and relationship – should be compensated. If you have a loved one who was killed in a car crash, your story and their story deserve to be told. 

Does car insurance cover accidents on private property?

Yes, car insurance generally covers accidents no matter where they occur. 

Does car insurance cover weather-related accidents?

Yes, the no-fault coverage you purchase in Michigan covers your car accident regardless of who is at fault or what caused the accident. That said, motorists are responsible for driving safely under any road conditions, including bad weather. If another driver's failure to do so leaves you seriously injured, you will likely want to pursue a claim against the at-fault driver and his or her insurance. Otherwise, many of your harms and losses will go uncompensated. 

Call or contact Conybeare Law Office now to speak with an experienced Michigan car accident lawyer

A car accident is a scary, painful, and traumatic experience. It can be difficult to know who to talk to after a crash, but having an experienced Michigan car accident attorney can help alleviate much of the stress and uncertainty that comes after an accident. The knowledgeable car accident lawyers at Conybeare Law Office will help you understand your rights so you feel like you in are in control, and they will fight to get you the money you deserve. To learn more about the wide range of legal services offered to our Michigan car accident clients, talk to our office today. Conybeare Law Office has offices in Saint Joseph and Kalamazoo, Michigan, and proudly serves all of southwest Michigan and beyond. Call or contact us for a free consultation. Remember, if it’s not fair, call the bear.