Helping you understand laws and the legal system, because not knowing can destroy your life.
Hello there! Todd Ayers is here to help you understand Michigan’s no-fault law. I was speaking with a couple of federal employment discrimination lawyers about an unrelated topic when we segued into talking about fault laws in different states.
Did you know that there are a handful of states that operate on a no-fault basis when it comes to auto wrecks? I couldn’t believe it either when I heard about it, so I thought I would share this topic with you, my dear readers!
Fault, as it pertains to vehicle crashes, means that someone was to blame for causing a car wreck. In most states, fault is attributed to one or more of the involved parties in an accident. For instance, if a drunk driver causes an accident, that person would be considered “at-fault” for the crash.
Michigan has a different way of looking at the matter. This state believes that fault doesn’t matter!
You Didn’t Cause the Accident, but Michigan Doesn’t Care!
Talk about rewarding people for bad behavior! Michigan doesn’t care who caused an accident; they still expect you to pay for it. If a red-light runner crashes into you in an intersection, you still have to pay for your own losses. It’s hard to believe that this is an actual law, but it’s true.
The state has each driver pay for their own no-fault insurance and personal injury protection benefits (PIP). You are expected to foot the bill, even though you were driving safely and didn’t cause the accident.
While this is a wildly unfair system in my opinion, there is an exception that you should know about. The law does allow you to sue a driver if your injuries are deemed serious and your losses are great. Thank goodness—finally, some reason!
What injuries are considered serious? The law doesn’t specify what injuries are considered serious, so it’s up to you to prove that yours fit the definition. A few injury types that will probably fall under the category of “serious” are brain injuries, broken bones, spinal injuries, organ damage, burn injuries, and loss of limb.
Ayers Info to the Rescue!
Now you know more about Michigan’s no-fault law. I personally think this law should be changed. What do you think? Do you think the no-fault system works well in Michigan?
Ayers Info is here to help you learn about America’s many laws. Don’t be caught unaware like I was! Educate yourself on the legal system that governs all of our lives.