Michigan drivers have unique protections when it comes to auto accidents, thanks to the state’s no-fault insurance system. That system means medical expenses after a crash are often handled differently than in other states. Knowing how to file a claim and what to expect makes the process less stressful when an accident happens.
Understanding Michigan’s No-Fault Rules
Under Michigan law, your own auto insurance through Janis-Shunta Insurance serving Muskegon, MI typically covers medical costs after a crash, regardless of who caused it. The coverage level depends on the medical benefits you selected when you purchased your policy. Some drivers choose unlimited coverage, while others pick capped amounts to save on premiums. Understanding your limits up front is important, since it directly affects how much of your expenses will be covered.
Filing a Claim for Medical Bills
After an accident, the first step is notifying your insurance company as soon as possible. Most insurers require you to file a written application for no-fault benefits, usually within a year of the accident. Along with the form, you’ll need to provide documentation such as hospital bills, doctor’s notes, and proof that the treatment was related to the crash. The more thorough your paperwork, the faster the claim tends to move.
Working With Providers
In many cases, medical providers in Michigan will bill the auto insurer directly. Still, it’s smart to keep copies of every record and receipt. If there’s ever a dispute or a delay in payment, having a full paper trail helps protect you.
Accidents are stressful enough without worrying about medical bills. By understanding your no-fault coverage and staying organized with the claims process, you can make sure the benefits you’ve paid for actually work when you need them. Questions? Contact Janis-Shunta Insurance serving Muskegon, MI for personalized help!