Trivia Questions Quiz On Michigan No-fault Insurance Law!
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. FalseExplanation
Wage loss benefits are not taxable.Rate this question:
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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 eatingExplanation
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.Rate this question:
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- 3.
The insurance adjuster determines the appropriate rate for attendant care service.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
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.Rate this question:
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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. TrueExplanation
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.Rate this question:
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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. TrueExplanation
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.Rate this question:
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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 companyExplanation
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.Rate this question:
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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. FalseExplanation
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.Rate this question:
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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 yearExplanation
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.Rate this question:
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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. TrueExplanation
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.Rate this question:
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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 maximumRate this question:
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Quiz Review Timeline +
Our quizzes are rigorously reviewed, monitored and continuously updated by our expert board to maintain accuracy, relevance, and timeliness.
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Current Version
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Mar 20, 2023Quiz Edited by
ProProfs Editorial Team -
Sep 16, 2015Quiz Created by
AdreBalls
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