Michigan Car Insurance Laws Every Ohio Driver Should Know
Residents of Northwest Ohio should know certain facts regarding Michigan’s “no-fault” insurance laws. Since Northwest Ohio provides many opportunities for people to travel to or work in Michigan, it is imperative to be aware of the insurance laws that can significantly affect their car accident claims.
Michigan is a “No-Fault” State
Michigan has one of the most inclusive no-fault systems in the country. This means that a driver in a Michigan accident must use their own insurance company to pay the claims and settle any disputes related to their accident. This differs from Ohio in that an accident that occurs within Ohio results in the injured individual filing a claim or lawsuit against the other driver if they are at-fault.
If an Ohio driver is involved in a car accident in Michigan, they may have the opportunity to make a Michigan no-fault insurance claim and receive no-fault insurance benefits. Some of these benefits include those that an Ohio driver might claim against an at-fault driver if the accident had occurred in Ohio, including medical expenses, lost wages, and pain and suffering resulting from the accident. But, to do so it is essential to have an experienced car accident attorney working on your behalf.
Car Accident Lawyer for Ohio Driver in Michigan Accident
As if being involved in a vehicle accident isn’t confusing enough, this type of situation makes it even more overwhelming. Attorney Charlie Contrada advises any Ohio driver that finds themselves in an accident in the state of Michigan to contact an experienced car accident attorney to help them.
The likelihood of an accident occurring under the above circumstances is higher for those in the Toledo area due to the geographic region in which we live. There are many residents of this area who travel to Michigan on a daily basis for their jobs alone, increasing the chances of being involved in an accident in the no-fault state of Michigan.
Ohio Car Insurance Policy Includes Michigan Rider
If you are an Ohio resident who travels to Michigan daily for a job, family, or recreational reasons, our car accident attorneys recommend asking your agent whether your car insurance policy will cover you in full for Michigan no-fault benefits if involved in a Michigan car accident. Explain your situation to your car insurance agent and they will be able to guide you in making the best choice regarding your policy coverage. If your car insurance agent is aware that you travel to Michigan on a regular basis and does not recommend providing coverage, you may later suffer financial consequences for not having this coverage, so know your options. If you were involved in a Michigan accident and are denied coverage, you could possibly take legal action against your car insurance agent.
To speak to attorney Charlie Contrada about a car accident in Michigan as an Ohio-insured driver, call 419.841.4400. Charlie has helped thousands of individuals with car accident claims and will explain the legal options that are available to you. Call Contrada & Associates for comprehensive legal guidance that will help you to receive the most favorable outcome.