Under the Michigan no-fault law, a person injured in a Michigan car accident
who is unable to operate his or her car or truck or requires special accommodations
to their vehicle as a result of their injuries may be entitled to vehicle
modification benefits from their insurance company, regardless of who
was at fault for the accident.
At the law firm of Goodman Acker, P.C. our
auto accident attorneyshelp victims obtain these benefits on a daily basis. This includes not
only those injured as a driver and/or passenger, but any person injured
in any type of motor vehicle accident in Michigan, including motorcycle
accidents, truck accidents, pedestrian accidents, and bicycle accidents.
What Are Vehicle Modification Benefits?
Vehicle modification benefits are changes to a vehicle so that the accident
victim is able to drive his or her vehicle or modifications to the vehicle
so that the vehicle will accommodate the accident victim as a passenger
in a wheelchair.
Examples of vehicle modifications that could be made include wide doors,
motorized lifts, or special equipment added to the steering wheel, brakes,
or gas pedal. In some cases, if certain modifications required are unable
to be made to the accident victim's current car, truck, or van, the
insurance company will have to purchase a new van and pay for any modifications
the vehicle will need to accommodate the injured person.
Who Is Responsible For Paying For My Vehicle Modifications?
Because vehicle modification benefits are an allowable medical expense
under the Michigan no-fault law, typically it is the accident victim's
no-fault (auto) insurance company that is responsible for paying the costs.
However, it is important to realize that the vehicle modifications must
be priced reasonably and deemed "reasonably necessary" for the
person's care, recovery, or rehabilitation for the no-fault insurance
company to be obligated to pay. If they are not, then the no-fault insurance
company may not be obligated to pay for the benefits.
When Do I Submit My Claim For Vehicle Modifications?
If you or your loved one requires modifications to your car, truck or van
after a Michigan car accident, you need to submit a claim to your insurance
company requesting payment. This claim should be submitted as soon as
it is determined necessary that the modifications will be required.
Typically, an occupational therapist will assess your existing vehicle
first and determine whether it can be modified and what modifications
need to be made, or whether a new vehicle is necessary. Once the assessment
is done it should be sent to a company that specializes in vehicle modification
so that they may put together a quote. This quote should be submitted
to your insurance adjuster assigned to your claim. Often times, the insurance
adjuster may require you to submit two to three quotes from different
companies so they can compare pricing.
What To Do If My Michigan Vehicle Modification Benefit Claim Is Denied?
It is not uncommon for auto accident victims who submit their claim for
Michigan vehicle modification benefits to get denied by their insurance
company. If your insurance company refuses to pay, delays payment, or
refuses to pay full amount deemed necessary for your care and recovery,
your only recourse is to file a lawsuit against your auto insurance company.
This is called a no-fault lawsuit.
When this happens, it is in your best interest to hire an experienced Michigan
no-fault insurance lawyer. Insurance companies are notorious for playing
tricky tactics and it is important that the attorney you hire to represent
you knows how to properly handle your claim and has significant experience
negotiating with the insurance companies so that you receive full payment.
Having an attorney who has no experience or knowledge of Michigan no-fault
law can very detrimental to your case and may result in you not receiving
the benefits you deserve.
Get Help From Our Michigan No-Fault Insurance Lawyers Today
At the law firm of Goodman Acker, P.C. our
Michigan no-fault insurance lawyers have been handling vehicle modification benefit claims for victims of
auto injury accidents for over 30 years. We understand how to navigate
through the insurance claims process and how to negotiate with the insurance
adjusters so that your case ends with the best result and full payment
of modifications and accommodations that you deserve and are entitled to.
There are strict time limitations for filing a claim against the insurance
company so it is important that you do not wait to get the help you need.
Whether you need advice on how to submit a claim, or just have some questions
regarding your vehicle modification benefits, or your claim has been denied
and you need to file a lawsuit against your insurance company, call our
trusted no-fault insurance lawyers today at(248) 793-2010. We offer a
free, no obligation consultation where we will be able to answer all your questions and concerns, and provide
the help and advice you need.
Best of all, should you need our representation our attorneys offer a trusted
no-win no-fee promise, which means there are
no fees or costs to you until we win or settle your claim. For more information on Michigan vehicle
modification claims or to find out how our auto accident attorneys can
help you, calls now!
For a list of all other no-fault insurance benefit you may be entitled
to as a Michigan auto accident victim, visit our
no-fault insurance benefits page.