Did you know that over half of brain injuries result from auto accidents?
Navigating the road to recovery after a traumatic event like a brain injury is tough. Focusing on immediate medical care and recovery is understandably your priority, but without the right legal guidance, you might miss out on other critical benefits that can support long-term healing.
Navigating the Claims Process
Navigating the claims process can feel overwhelming, especially when cognitive or emotional challenges are involved. That’s why it’s so important to know your coverage options and legal protections before an accident happens—or to have someone you trust ready to help if it does.
Understanding No-Fault Insurance in Michigan
While Michigan’s no-fault insurance system is designed to provide broad protection such as medical coverage, lost wages, and in-home care—it’s surprisingly common for injured drivers to be unaware of the full range of benefits available to them.
Many assume that once their immediate medical bills are covered, they’ve received everything they’re entitled to.
No-fault policies can include coverage for services like home modifications, long-term rehabilitation, replacement services, and mileage reimbursement for medical travel.
Without legal guidance, these benefits often go unclaimed or are significantly underutilized—leaving people to shoulder costs that should have been covered.
For full details on what to do if your claim is denied or delayed, read our related blog post: “Why Michigan’s Auto Insurance Laws Need to Change: What You Can Do About Denied Claims.“
Understanding No-Fault Insurance in Michigan
Before the 2019 reform, Michigan’s no-fault insurance law was widely considered one of the most generous and comprehensive systems in the country.
No-fault policies can include coverage for services like home modifications, long-term rehabilitation, replacement services (e.g., help with housework or childcare), and mileage reimbursement for medical travel—all part of your Personal Injury Protection (PIP).
Every auto insurance policy in Michigan included unlimited, lifetime Personal Injury Protection (PIP) for medical expenses related to an auto accident—regardless of who caused the crash.
This system ensured that accident survivors—especially those with catastrophic injuries like brain trauma or paralysis—had access to lifelong care without going bankrupt.
However, critics argued that the mandatory unlimited coverage contributed to Michigan having some of the highest auto insurance premiums in the country, which is why the reform took effect.
Changes to Michigan’s No-Fault Law
In 2020, Michigan enacted major reforms to its no-fault auto insurance law—the most significant changes the state has seen in decades.
One of the most critical changes was the introduction of coverage limits for medical benefits, where drivers now choose how much PIP coverage they want—ranging from unlimited to as little as $250,000. While this gives drivers more control over their insurance costs, it also opens the door to underinsurance.
Many people, not understanding the long-term costs of care after a serious injury, opt for lower coverage without realizing it may not be enough to cover their needs.
The new law also introduced more paperwork, procedures, and red tape, making it harder for injured individuals to get timely approvals or payments. In many cases, people are denied services not because they aren’t covered, but because they don’t have the legal support to push back against unclear or unfair decisions by insurance adjusters.
Despite these changes, Michigan’s no-fault law continues to provide broad protection for accident survivors. However, the ability to choose coverage limits means that not all drivers will have the same level of protection, making it critical to review your policy.
Why Brain Injury and Serious Accident Victims Need a Lawyer
If you’re dealing with a denied medical claim or need guidance on how to handle insurance disputes, don’t hesitate to reach out. We have been handling these cases for more than 30 years and ensure you receive all eligible benefits, including coverage for home modifications and caregiving. With recent changes to Michigan’s no-fault law, consulting an experienced lawyer is essential to resolve disputes and protect your rights.
Without proper legal guidance, your future needs could go underreported, leaving you and your family with the financial burden of recovery.
Testimonial:
“I needed a lawyer to help with my retirement as well as some insurance matters. Robert June is both professional and caring. I have a brain injury, post-concussion syndrome and post-traumatic migraines as well as some eye issues. He has always been very considerate of my difficulty in processing information.
He speaks slowly and clearly and patiently re-explains anything I don’t understand. He always reassured me when I was concerned about the outcome. He always treated me with respect and was considerate of my difficulty with light and noise.
He is a very knowledgeable lawyer and is able to determine possible outcomes at the most reasonable expense to you. He responds within 24 hours to phone calls, is organized, and prompt. He is very good at explaining the steps you need to take as well as providing the information you need. Robert June is the best lawyer I have ever had the fortune to work with. I highly recommend him.”
Contact Us Today
Before you accept any payment or sign off on a claim, take the time to review your policy carefully—and don’t assume the insurance company is offering everything you deserve.
The fine print matters now more than ever, and what’s not included in your policy could leave you without critical support. Consulting with a knowledgeable attorney early in the process can help ensure that you’re fully informed about your rights, what your policy covers, and what options you have if care is being delayed or denied.
A quick consultation with an experienced attorney can make the difference between limited care and full, long-term support. At JuneLaw, we’ll help you understand your coverage, identify any missing benefits, and ensure nothing is left on the table. Your recovery matters.
Don’t wait until it’s too late—take action now to ensure your rights are protected and that you receive all the benefits you’re entitled to. Contact us today for a free consultation.
Call us now: 734-481-1000 or visit https://junelaw.com to speak with someone about your case.
Disclaimer:
The information provided in this blog is for general informational purposes only and is not intended to be legal advice. Reading this blog does not create an attorney-client relationship. If you need legal advice or assistance with a specific legal matter, hire June Law for top-notch legal services.