Michigan Personal Injury Lawyers Fighting For The Injured

Under Michigan’s New Auto Insurance Law, Who Pays for an Injured Pedestrian’s Benefits?

While Michigan’s new auto insurance law, which will officially be enacted on July 1, impacts all drivers when it comes to insurance policies, pedestrians will be affected, too. Under Michigan’s no-fault statute, pedestrians who are injured in car accidents can collect benefits including medical expenses, lost wages for up to three years, replacement service expenses like domestic tasks, and survivor’s loss benefits in the event that a pedestrian was killed in the accident.

The existing general rule has been that any pedestrians injured in a car accident must first turn to their own insurance company for benefits. However, if pedestrians lack insurance and do not live with a resident relative that has insurance, they could’ve claimed benefits from the vehicle that caused their injuries.

Under Michigan’s new law, however, this will change. If the pedestrian injured does not have insurance or live with a resident relative, they may claim benefits from the Michigan Assigned Claims Plan. In general, under the new law more claims will be administered by the Assigned Claims Plan.

What is the Assigned Claims Plan?

The Michigan Assigned Claims Plan (MACP) is a state program established in 1973 to provide no-fault benefits to those who aren’t able to access car insurance. Anyone who has been injured in an accident involving a motor vehicle is eligible to apply, as long as they’re not the owner of an uninsured motor vehicle.

The application, while beginning as an easy three-page document, has grown over the years to become long and sometimes difficult to interpret.

Things your application will address include, among others:

  • Your residency at the time of the accident
  • Motor vehicles in your home at the time
  • Employer information
  • Questions about your injuries and doctors that have treated you

All individuals have one year from the date of their accident to file and submit an application, which is why it’s crucial to hire an attorney who can file for benefits as soon as possible. The sooner you call our team, the sooner we can have your application looked at and approved so you can collect the benefits you need. We’re also able to interpret legal jargon so you can fully understand how you may be protected under the Assigned Claims Plan.

An In-Depth Understanding of No-Fault Laws

Michigan is a no-fault state, meaning the pedestrians injured in an accident can collect no-fault insurance benefits. As Michigan attorneys, Goodman Acker P.C. strives to remain updated on all new laws and policies so we can help clients understand how they affect their unique situations and cases. With our knowledge, clients may be able to collect compensation for their pain and suffering, medical expenses, and lost wages.

Pedestrians can suffer from catastrophic injuries like spinal cord and neck injuries, burns, amputations, head and brain trauma, and even death. Catastrophic injuries can cost thousands of dollars to treat, especially if they require long-term care. Though your future may seem dark and uncertain, our team is available to provide you with options, create a plan, and pursue the benefits you deserve. We can stand by your side during this challenging time.

Contact Goodman Acker P.C. online or at (248) 793-2010 for compassionate representation if you’ve been injured in a pedestrian accident. Pedestrians typically suffer from serious injuries and are entitled to compensation from at-fault, negligent parties.