The No-Fault Law

Written by Matz Injury Law on .

The no-fault law is designed so that it is simple to determine who pays the medical bills, wage losses, medically-necessary travel expenses, reimbursement for help with chores and nursing-type services that may be required by someone injured in a motor vehicle collision.

The system is called a “priority” list that works something like a ladder, starting at the top rung and moving downward. Here is the priority system if you were in a motor vehicle (not including a motorcycle) when you were injured in a collision–even a one-car incident, or one where you were driving but were at fault:

1) highest priority: your own car insurance, even if you were a passenger; if you didn’t have car insurance, and were in your car when a crash occurred, you are disqualified from the no-fault system and can’t get any of the benefits discussed above;

2) second priority: the auto insurance in force on the date of the accident that applies to any relative you live with; it doesn’t matter whether you are listed on the policy–the no-fault coverage applies to any relative in your household who doesn’t have their own auto insurance;

3) third priority: the auto insurance covering the owner of the vehicle you were in (if that’s not you, or a resident relative);

4) fourth priority: the auto insurance covering the driver of the vehicle you were in (if that’s not the person in one of the first three priorities);

5) fifth priority: Michigan Assigned Claims Plan–the State of Michigan will appoint an insurance company to provide your no-fault benefits if none of the first four priorities have insurance, so long as you were not occupying an uninsured vehicle that you owned.

The good news is that you will qualify for no-fault coverage for medical, wage reimbursement, medical mileage, household chore assistance and attendant care (family member providing assistance to seriously injured person) if you were in a motor vehicle and got hurt by a collision, whether you were a passenger or the driver, without regard to who caused the collision.

The bad news is that you cannot get no-fault coverage if you were in your own uninsured vehicle when the collision happened.

Please keep in mind that “qualifying” for benefits is just the first step. There are procedures that you must follow to satisfy the insurance company that you are entitled to the benefits. These procedures must be followed, and kept current, in order for you to receive the benefits that may be due to you.

Also remember that the rules for motorcyclists are different from those of other drivers.

Matz Injury Law

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Matz Injury Law

Matz Injury Law
Steve Matz and his team have been practicing law in Michigan for decades. They’ve logged hundreds of thousands of miles traveling to virtually every county in Michigan’s lower and upper peninsulas, meeting with clients, and doing the work necessary to earn significant settlements on their clients’ behalf.
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The maximum contingency fee permitted by law is actually 33 1/3%. Michigan court rules require that the attorney fee be computed on the net sum recovered after deducting all disbursements properly chargeable to the enforcement of the claim.

What does 22not33 mean, exactly?

We can charge 22% while virtually all other injury attorneys charge 33 1/3% because we are very, very, good at obtaining results for our clients. 

We do not spend millions of dollars on television ads; instead, we offer a lower fee to all our clients.  We do not have dozens of lower paid associates handling our work. All our clients are represented by Steven and Jared Matz. Steven Matz started the firm in 1977 and since then has dedicated his life to representing injury victims.  Jared joined the firm in 2016 but grew up listening to stories, discussing theories, and generally learning at the dinner table about how to effectively and compassionately represent injury victims. Jared Matz was literally born to represent individuals involved in motor vehicle crashes.

All of our cases are handled on a contingency fee and all our cases are handled at 22%. Whether the case settles or goes through trial, the fee does not change. While our competitors make excuses as to why they charge so much, we are obtaining results for our clients at a lower fee.

At a typical television advertising law firm, your first call will be handled by a receptionist, who may refer you to an intake person, who will discuss your claim with an intake manager, who then discusses your claim with an associate, who may then report to a partner. You may never speak with the person whose name is at the top of the letterhead. At Matz Injury Law you will always speak with either Steven Matz or Jared Matz.

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