As a legal driver in Michigan, your no-fault insurance policy covers you for medical costs and other benefits, even if you were partially responsible for the crash. If you get a rental car, however, will you receive the same level of protection? Do your personal injury protection (PIP) benefits still apply if you are injured? Should you purchase supplemental insurance if you rent a car?
Understanding what protection your no-fault insurance policy provides when using a rental can be very confusing. Jay Trucks explains more about rentals and car insurance in Michigan, including how your no-fault benefits coverage may or may not apply in a car crash.
If you have been injured in a rental car due to another’s reckless or negligent behavior, you may be eligible to seek compensation for your injuries and other losses. Our auto accident lawyers in Grand Rapids are available to discuss your potential legal options after a rental car crash in a free consultation.
In Michigan, your no-fault insurance provides coverage for medical benefits anytime you are injured in a motor vehicle, including:
If you have a crash, your PIP Insurance also still provides:
Purchasing supplemental auto insurance for a car rental – even if you have some coverage under your own policy or a credit card – may be a good idea for the following reasons:
In some cases, your credit card may provide rental car insurance, but that coverage may also be limited. It is best to contact your credit card company and insurance provider to get the specifics about what coverage may or not be available in advance.
Research to make sure you have a solid understanding of what coverage your auto insurance does and does not provide for a rental car. Find out how your insurance will apply, not only for you and your passengers in this situation, but also what coverage applies to other parties if you cause an accident. Get information about any additional coverage your credit card may apply and if it is in addition to, or instead of, your current auto insurance policy. This information will give you the best idea of what supplemental car insurance you may or may not need.
Your insurance providers may sound friendly when you speak with them, but to stay in business, their priority is to their bottom line. To accomplish this, your provider must work hard to pay as little as possible out on a policy. What this means when you rent a vehicle is that your insurance company will not easily pay out money for a claim if you have a crash in that rental.
Insurers will look for exclusions and other reasons to devalue or deny your rental car crash claim. So when it comes to understanding the terms of your policy, and what is or is not covered, you must be proactive. While your provider may not lie when you ask specific questions about your coverage, he or she is also not likely to volunteer information that is included in the small print of your policy.
If you are injured in a rental car because of another driver’s negligent actions, we are prepared to help. Our firm has been representing injured victims for decades, recovering millions in compensation for our clients.
At Jay Trucks, we have a team of legal professionals who are experienced and ready to fight for maximum recovery and to protect your best interests. There is no risk to you as the initial case review is completely free. If you choose to move forward and we represent you, there is nothing to pay up front to hire our services or while we work on your case. We only get paid if we recover compensation for you.
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When Michigan residents are legally insured by the state and involved in a car accident, they are eligible to receive benefits that will cover medical costs, lost wages and more. These benefits are provided to you, regardless of who caused the crash. Even if your accident occurs in another state, you are still likely to be covered by your Michigan no-fault benefits insurance.
However, there are specific requirements that must be met to make sure that you will qualify for coverage when traveling out of state. Below, our Grand Rapids car accident attorneys at Jay Trucks and Associates discuss a few of the important details you should know about, especially changes resulting from Michigan’s new auto reform insurance laws.
Michigan residents are covered by their no-fault insurance policy in most situations, even if they are riding in someone else’s car. However, they must meet certain requirements:
The accident must have occurred anywhere in the United States, a U.S. territory or Canada.
The individual must be a Michigan resident who either:
Others who may be covered include passengers riding in your car who do not have insurance, or a motorcyclist who gets injured in an accident involving your car. These and others, as defined by your policy, may be covered up to the limits of the personal injury protection (PIP) benefits you purchased.
While you do not need to be riding in your car at the time of the accident, you must meet one of these requirements to be eligible for benefits. If you do not meet this criteria for benefits and you are involved in an out-of-state car accident, then you will likely not be able to make a no-fault claim.
Michigan’s no-fault benefits that may be provided to you if you injured in an out-of-state accident include:
If you have a car crash while driving out of state in a rental car, you and your passengers may still be eligible for medical benefits under your Michigan no-fault car insurance policy. However, your Michigan auto insurance policy will not cover additional damages, such as vandalism, theft or other property damage obtained in an accident. For those types of damages, you may wish to consider purchasing supplemental coverage from the rental insurance agency.
A change went into effect on June 11, 2019 regarding Michigan’s coverage for “resident relatives” of your household. This revision specifically impacts certain individuals who may no longer be covered under your Michigan car insurance policy, including:
For these individuals using your car, it is important that you disclose their relationship to you, as well as their living arrangements, when purchasing your insurance policy. Being up front with this information helps to ensure you have purchased the appropriate type of coverage if they have an accident while driving your car. Not being open with your insurance agent could be putting your own financial assets at risk, as you could be personally responsible for any damages they may cause while driving your car.
There are other policies, such as a Named Non-Owner insurance policy, that may provide protection for others driving your car. Contact your insurance agent for more information on your insurance coverage options. Typically, you will have to purchase a separate policy for each driver.
Although your Michigan no-fault auto insurance policy will likely cover you if you travel out-of-state, it is always a good idea to confirm what your specific policy will cover. We strongly recommend that you always review the details of what is and is not covered with your insurance agency, especially when you are setting off on an out-of-state road trip.
If you need legal help after suffering injuries in a car crash, our experienced attorneys are ready to discuss your situation with you. There is no risk or obligation when you meet with one of our lawyers for a free initial consultation. If you work with our firm, there are zero upfront costs to get started and no fees to pay while we represent you. We do not collect our costs until the end of your claim, and only if we obtain compensation on your behalf.
Need Legal Help? Call Jay Trucks & Associates Today: (800) 762-8623