Michigan law requires all drivers to have no-fault insurance on their automobile insurance policies. When an accident occurs, this covers medical expenses, lost wages, replacement services and damages, regardless of who is at fault. With many accidents resulting in catastrophic complex cases, it is essential to understand how this policy affects injured workers and how a complex-case manager can ease the burden of the aftershocks of catastrophic injury.

Michigan No-Fault Requirements

Under the Michigan No-Fault system, drivers are required to purchase no-fault insurance that covers three principal protections:

1. Personal Injury Protection (PIP) pays for all of an injured driver’s medical expenses. It also pays for up to 85% of all wages that are lost as a result of injury.
2. Property Protection (PPI) pays up to $1 million in damages caused by a driver in an accident.
3. Residual Liability, also known as bodily injury and property damage insurance, which protects those who are insured from being sued in certain situations. Generally, there are exceptions under specific circumstances, such as causing an accident resulting in death, serious injury or permanent disfigurement.

These policies generally cover all family members living in the same household, even if they are passengers in another car or are involved in an accident as a pedestrian. Still, vehicle owners must be sure to buy the necessary additional vehicle coverage, such as collision and comprehensive, limited liability, and towing and rental car services.

Complex Case Management for On-the-Job Car Accident Injuries

For workers injured while driving on the job, the proper case manager can help navigate the complexities of the system and ensure needed care and rehabilitation. With a comprehensive approach to treatment and recovery, Paradigm Outcomes case managers specialize in helping injured workers and their families through the process of complex catastrophic injury. Taking an inclusive approach in the care of an injured worker allows loved ones to actively and successfully participate in the recovery process.

Learn more about Paradigm Outcomes’ holistic approach to complex catastrophic injury case management by visiting our website as well as our online communities on our blog, Facebook and Twitter.