- July 31, 2023
- Car Accidents
- Insurance
- No Fault
- Personal Injury
A car accident causes extensive financial distress. Injury victims and their families must pay medical bills, vehicle repairs, and other expenses. In addition to the financial damages caused by a car accident, collisions cause pain and suffering.“Pain and suffering” is a legal term that describes the emotional distress, inconvenience, and life-altering effects that an injury causes. Although pain and suffering is not a tangible cost, receiving compensation for these damages is possible. However, your car insurance provider may not compensate for pain and suffering.
This blog looks at whether no-fault insurance covers pain and suffering damages. If you or a loved one is a car accident victim, our team at Goodman Acker P.C. can advise you on the compensation you’re entitled to. Call us today at 248-286-8100 to speak with one of our attorneys.
Why You Need Our Car Accident Attorneys
At Goodman Acker P.C., we have helped car accident victims recover millions in compensation, and we have a 99% success rate. Our combined years of experience have made us strong negotiators, so we always strive to get you a fair outcome.
Our car accident lawyers are diligent, ethical, trusted, and aggressive and will invest time and resources to help you get your life back on track.
When you consult our legal team, we will carefully review your case and let you know whether you are eligible for pain and suffering damages. We offer free initial consultations, so contact us at 248-286-8100.
Will Your No-Fault Insurance Cover Non-Economic Damages?
No-fault insurance generally does not cover non-economic damages, including pain and suffering. A standard no-fault car insurance plan covers medical bills and a portion of your lost wages (up to 85% of your gross pay, including overtime). Optional add-on plans can cover other expenses. Unfortunately, car insurance plans rarely cover pain and suffering damages or additional non-economic costs.
Is Receiving Compensation for Pain and Suffering in Michigan Possible?
Although your insurance company may not provide compensation for pain and suffering, there may be another way for you to recover compensation for those damages. Filing a third-party liability claim is sometimes an option for injury victims in no-fault states like Michigan.
No-fault car insurance, in general, covers the expenses of the policyholder only. This differs from fault-based/liability car insurance. Car accident victims in fault-based states must file a claim with the other driver’s insurance company and will receive payment from them. Because this is not an option in no-fault states, an injured driver can only recover pain and suffering damages when they file a lawsuit against the at-fault party.
You could file a claim against the at-fault driver to recover pain and suffering damages if your car accident caused severe injuries or disfigurement, leading to extensive emotional distress and life-altering strain. It’s possible that a third party, such as the vehicle manufacturer, is partially responsible for your injuries. If this is true in your case, you could file a claim against the manufacturer to receive compensation for pain and suffering damages.
Does No-Fault Car Insurance Cover Pain and Suffering Damages FAQs
As a car accident victim, there are several questions you’ll have about the claims process and the type of damages available to you, including pain and suffering. Here are some of the commonly asked questions.
What Does Michigan No-Fault Insurance Cover?
Michigan’s no-fault insurance policy primarily covers your medical bills and some of your lost wages. To get additional benefits, you have to buy more coverage.
When Can I Get Pain and Suffering Damages in Michigan?
You can get pain and suffering damages only when you file a third-party lawsuit. But to file a case, you must have sustained severe injuries or a disfigurement/disability.
What Other Compensation Can I Receive Aside From Pain and Suffering?
Aside from pain and suffering, you can also recover damages for medical bills, loss of income and earning capacity, property damage, loss of enjoyment of life, etc.
How Much Is My Pain and Suffering Claim Worth?
There is no fixed amount for pain and suffering compensation. To calculate the worth, car accident lawyers use a multiplier method, using a number from one to five to multiply your economic damages.
Get a Free Consultation From Our Car Accident Attorneys
The attorneys of Goodman Acker P.C. are committed to helping injury victims get compensation for their economic and non-economic damages. We are available to discuss the details of your case and carefully explain to you what to expect from the claims process. Book a free consultation by contacting us at 248-286-8100.