Getting into a car accident can be a stressful and overwhelming experience. Once everyone involved is safe, the next thing to think about is the insurance claim. However, one of the most frequently asked questions after an accident in Michigan is, "how much time do I have to file a claim with my insurance company?" The short answer is that it depends on various factors. In this article, we will discuss the requirements and time limitations for filing a claim with your insurance company after an accident in Michigan.
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Statute of Limitations
The statute of limitations is a law that sets the absolute time limit for filing a legal claim or lawsuit. In Michigan, the statute of limitations for car accident claims is three years from the date of the accident. This means that you have three years from the date of the accident to file a claim or lawsuit against the at-fault driver.
Insurance Requirements in Michigan
Michigan is a no-fault state when it comes to car insurance. This means that you are required to have no-fault insurance, which provides benefits regardless of who is at fault for the accident. In Michigan, the minimum no-fault insurance coverage required is as follows:
- $50,000 for medical expenses
- $10,000 for property damage in another state
- $20,000 for property damage in Michigan
- $250,000 for catastrophic injuries or death
Because Michigan is a no-fault state, you will need to file an insurance claim with your own insurance company to recover damages for medical expenses, lost wages, and property damage, regardless of who was at fault for the accident.
Time Limitations for Filing an Insurance Claim
Although the statute of limitations in Michigan is three years to file a lawsuit, there are specific time limits for notifying and filing a claim with your insurance company. Michigan law requires you to notify your insurance company of an accident within seven days of the accident or as soon as reasonably possible. If you fail to notify your insurance company within seven days, you risk losing your insurance benefits.
Additionally, Michigan law requires you to file a claim for benefits within one year from the date of the accident or as soon as reasonably possible. If you do not file a claim within this time frame, you may lose your right to receive insurance benefits.
It is essential to file your insurance claim as soon as possible after an accident to ensure that you receive the benefits you are entitled to under your policy. Filing early will also help you keep a record of all the evidence, including photos, medical reports, and witness statements, which may be crucial in supporting your claim.
Conclusion
In summary, the time limit for filing a claim with your insurance company after an accident in Michigan depends on various factors. The statute of limitations for car accident claims is three years from the date of the accident. However, the requirement to notify your insurance company within seven days and file an insurance claim within one year from the date of the accident or as soon as reasonably possible is crucial. Filing a claim early and gathering evidence will help ensure that you receive the benefits you are entitled to under your policy. If you have any questions or concerns about filing an insurance claim after an accident, consult with an experienced car accident attorney.