What Are Medical Expense Benefits?
Medical expense benefits are a type of no-fault insurance benefit. It is not only entitled to those driving a vehicle involved in a Michigan car accident, but all passengers as well. In addition, victims injured in a pedestrian accident, truck accident, bicycle accident, or bus accident may also be entitled to such no-fault insurance benefits.
There is no limit to the amount of money that the no-fault company must pay for accident related medical treatment. The only limitation is that the medical bill expenses must be reasonable and necessary for your care, recovery and rehabilitation.
Who Pays For My Medical Expense Benefits?
Dependent on the type of insurance coverage involved, sometimes the no-fault medical expenses benefits can be coordinated with your own health insurance policy. This happens if you or your loved one has coordinated medical coverage on your auto insurance policy. Coordinated medical coverage means that your health insurance is responsible for paying your medical bills, and your auto insurance company will cover your medical bill expenses that are not covered by your health insurance, including co-pays and deductibles. Either way, the bottom line is that everyone who is involved in a motor vehicle accident who has no-fault insurance coverage in Michigan is entitled to have their medical bills that is reasonable and necessary paid by their insurance company for the rest of their life.
Watch this video from Senior Partner and Michigan no-fault insurance lawyer, Jerry Acker, for more information on “Who is responsible for paying your medical bills after a Michigan car accident?”
How Do I Submit My Medical Expenses Benefit Claim?
In order to obtain reimbursement for your medical bill expenses and all related costs, you must submit a Medical Expenses Claim along with a written medical bill(s) to the insurance adjuster assigned to your claim. You can obtain the application by contacting your insurance company. The insurance company may also request medical records for the bills.
What To Do If My Medical Expense Benefits Claim Is Denied
If your insurance company refuses to pay your medical bill expenses or delays payment, your only recourse is to file a lawsuit against your auto insurance company. This is called a no-fault lawsuit. The lawsuit must be filed within one year of the date on which the last unpaid medical bill expense was incurred. Failure to do this will mean that you will not be able to collect reimbursement of your expenses.
When the insurance company denies or delays payment, it is in your best interest to hire a Michigan no-fault insurance lawyer to represent you. An experienced attorney who is well-versed in Michigan no-fault law and has experience trying these cases will be able to better protect your rights against the big insurance companies and ensure your rights are protected.
Contact Our Michigan No-Fault Medical Expense Benefit Lawyers Today
At the law firm of Goodman Acker P.C., our Michigan no-fault insurance attorneys have been handing medical expense claims for victims of auto injury accidents for over 30 years. We understand how to navigate the insurance claims process and how to negotiate with the insurance adjusters so that your case ends with the best result and full reimbursement of medical bill expenses that you deserve and are entitled to.
There are strict time limitations when filing a claim against the insurance company so it is important that you do not wait to call our firm and have a conversation with one of our lawyers about your case. We offer a free, no obligation consultation and will review your insurance policy for free. We will listen to your story, explain your rights, and discuss what the next possible steps are for you.
Best of all, we represent our clients under a contingency fee basis, which means no fees or costs unless we win or settle your claim. For more information on Michigan medical expenses benefits or if your claim has been denied by the insurance company, call our top rated and qualified attorneys today at (248) 286-8100.