IF I’M INJURED IN AN AUTO ACCIDENT, WHO PAYS MY BILLS?
One of the most common questions we get is who is responsible for the medical bills that follow after being injured in an auto accident. The Michigan No-Fault law, in section MCL 500.3114 spells out the list of who pays first depending on the situation. The general rule is that if you are injured in an auto accident and you have a policy of insurance, then your own policy will pay for your medical bills and all other PIP benefits (medical bills, replacement service, wage loss, medical mileage, attendant care services). If you don’t have an auto insurance policy, but your husband/wife does, or you live with a relative that has a policy, then that policy is the highest in priority and is responsible for paying your PIP benefits.
If you are not named on a policy and you don’t live with a relative who has such a policy and are a passenger in someone else’s car at the time of the accident, then you go to the insurance policy of the owner or registrant of the car you are in.
If they don’t have insurance then you go after the insurance policy of WHOMEVER IS DRIVING the vehicle.
The most important thing you can do after being in an auto accident is to IMMEDIATELY CONTACT A LAWYER to make sure you know what to do. Insurance companies are hoping you delay in getting medical attention or hope you use your private health insurance even though your auto insurance should be paying. Call the offices of your Macomb County injury lawyers today.