Importance Of Unlimited Medical Benefits

New legislation to overhaul Michigan's no-fault insurance system was introduced in March 2013. The Senate Bill, SB 251, aims to eliminate unlimited and uncapped medical benefits for car accident victims. However, the bill continues to meet resistance from some Michigan residents.

Republican Senator Peter Lund proposed the bill earlier this year. The legislation would cap benefits available to accident victims at $1 million. This alteration in the law would drastically limit the receipt of benefits - especially for those who may need lifelong support. As a result, some Michigan residents feel as though the proposed limit is not ideal for serious car accident victims.

For example, a Michigan man was injured in a car accident just north of White Pigeon in 2006. His vehicle collided with a person who struggled with Parkinson's disease. The man suffered serious injuries in the crash. Fortunately, his life was saved after a physician, using a dialysis machine, pumped fluid out of the victim's lungs.

In this particular case, the no-fault policy under Michigan's law covered the man's medical expenses. It also supported his recovery efforts. Today, the insurance pays for the victim's leg brace, physical therapy, mental therapy and medication. Seven years later, he continues to require treatment.

Today, the injured man asserts that the current policy should stand as it is. In a blink of an eye, a life could change forever. More often than not, individuals do not have the financial means to support such serious accidents. For this reason, it is helpful to have unlimited lifetime medical care for injuries that evolve from serious vehicle collisions, according to the resident.

However, advocates of the bill note that the law would help lower the costs associated with insurance. Moreover, Michigan is the only state to offer unlimited lifetime medical care for car accident injuries under its no-fault auto insurance system. Nevertheless, the man of the 2006 crash explains that the savings one would make per year on lower insurance costs would not be not worth a loss of unlimited medical support, which Michigan's law currently provides.

The good news is that since the bill passed to the Senate Insurance Committee on March 7, 2013, further progress has not evolved. Even so, this bill failure may not stop lawmakers from actively pursuing future changes in the law.

If you have been involved in a serious car accident, it is important to have adequate legal assistance. Only a skilled lawyer will have thorough familiarity with transforming insurance and personal injury laws. To learn more, contact an attorney in your area.