Trivia Questions Quiz On Michigan No-fault Insurance Law!

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Trivia Questions Quiz On Michigan No-fault Insurance Law! - Quiz

Below is some trivia questions quiz on Michigan No-fault Insurance Law! This law states that if you own a car and get into an accident, be it your fault or another party, your insurance company will be expected to cover medical bills for both you and the party and repair any damages as opposed to cash out. Take the quiz and see how well you understand it.


Questions and Answers
  • 1. 

    Michigan No-Fault insurance wage loss benefits are subject to income tax?

    • A.

      True

    • B.

      False

    Correct Answer
    B. False
    Explanation
    Wage loss benefits are not taxable.

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  • 2. 

    Which of the following is considered to be an attendant care service under the Michigan No-Fault Law?

    • A.

      Shopping for meals

    • B.

      Preparing meals

    • C.

      Assistance with eating

    • D.

      Cleaning up after a meal

    Correct Answer
    C. Assistance with eating
    Explanation
    Assistance with eating is considered to be an attendant care service under the Michigan No-Fault Law. This means that individuals who require help with eating due to physical or cognitive impairments can receive assistance from a caregiver or attendant. This service is provided to ensure that individuals can meet their nutritional needs and maintain their health and well-being.

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  • 3. 

    The insurance adjuster determines the appropriate rate for attendant care service.

    • A.

      True

    • B.

      False

    Correct Answer
    B. False
    Explanation
    The rate is determined by numerous factors, including the level of care, the licensure and/or experience the provider, whether the services are provided by an agency, and the market rate in the area.

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  • 4. 

    An accident victim must treat with a provider within his or her HMO health insurance for accident-related injuries if the person has coordinated no-fault medical coverage?

    • A.

      True

    • B.

      False

    Correct Answer
    A. True
    Explanation
    The accident victim with coordinated medical benefits must treat within the HMO unless the HMO does not offer a provider within the network to provide the medical services, such as a chiropractor or neuropsychologist, or if the accident victim requires treatment that is not covered by the HMO.

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  • 5. 

    The No-Fault Insurance company paying wage loss benefits can demand that the insured apply for social security disability benefits?

    • A.

      True

    • B.

      False

    Correct Answer
    A. True
    Explanation
    The insurance company is entitled to a set-off for wage loss benefits paid if the accident victim is approved for and receives social security disability benefits.

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  • 6. 

    Which insurance company is first in the order of priority for a pedestrian struck by a motor vehicle?

    • A.

      Their own insurance company

    • B.

      The driver's insurance company

    • C.

      The owner of the vehicle's insurance company

    • D.

      The Michigan Assigned Claims Facility

    Correct Answer
    A. Their own insurance company
    Explanation
    A pedestrians own insurance is first in the order of priority. If the pedestrian did not have his or her own insurance policy, then the order of priorities applies to identify the proper insurance company.

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  • 7. 

    Wage loss benefits are only available to a person who is employed on the date of the accident.

    • A.

      True

    • B.

      False

    Correct Answer
    B. False
    Explanation
    A person who is unemployed at the time of the accident but is actively seeking employment or temporarily unemployed can receive wage loss benefits. Seasonal employees can also receive wage loss benefits if injured in an accident during the off season.

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  • 8. 

    An Application for No-Fault Insurance Benefits must be filed within how much time after the accident with the appropriate insurance company?

    • A.

      30 days

    • B.

      120 days

    • C.

      180 days

    • D.

      1 year

    • E.

      None of the above

    Correct Answer
    D. 1 year
    Explanation
    An Application for No-Fault Insurance Benefits must be filed within 1 year after the accident with the appropriate insurance company. This time frame allows individuals to gather all necessary documentation and information related to the accident before submitting their claim. Filing within this timeframe ensures that individuals can receive the benefits they are entitled to under their insurance policy. It is important to file within this deadline to avoid any potential issues or delays in receiving compensation for medical expenses, lost wages, and other damages resulting from the accident.

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  • 9. 

    A Michigan resident injured in an out of state accident is entitled to Michigan No-Fault Insurance Benefits?

    • A.

      True

    • B.

      False

    Correct Answer
    A. True
    Explanation
    True, except that the Assigned Claims Facility does not pay for out of state accidents. The injured person must have their own auto insurance policy or be covered under another policy to receive these benefits.

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  • 10. 

    What percentage of a person's gross wages must be paid by the insurance company for a wage loss claim?

    • A.

      50%

    • B.

      75%

    • C.

      85%

    • D.

      95%

    • E.

      100%

    Correct Answer
    C. 85%
    Explanation
    85% up to the monthly statutory maximum

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