The Second Michigan No-fault Insurance Law Quiz
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Find out how well you know Michigan No-Fault Insurance Laws. Take the all new second Michigan No-Fault Insurance Law Quiz and be Entered to Win a Prize.
- 1.
The time limitation for filing a lawsuit against a negligent driver for non-economic damages, including pain and suffering, scarring, and wrongful death is:
- A.
One year from the date of the accident
- B.
Two years from the date of the accident
- C.
Three years from the date of the accident
- D.
Four years from the date of the accident
Correct Answer
C. Three years from the date of the accidentExplanation
The statute of limitations in a third party auto negligence case is 3 years, with the exception for minors and mentally incompetent individuals.Rate this question:
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- 2.
The time limitation for filing a lawsuit for an unpaid medical bill in a no-fault case is:
- A.
One year from the date of the accident
- B.
One year from the date that the medical bill was incurred
- C.
One year from the date of the denial by the insurance company
- D.
Three years from the date of the accident
Correct Answer
B. One year from the date that the medical bill was incurredExplanation
A lawsuit must be filed within one year of the date of service on the medical bill. For example, if there is an unpaid medical bill for services provided on November 15, 2012, a lawsuit for that bill must be filed by November 15, 2013.Rate this question:
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- 3.
Attendant care claims can only be made during the first three years after the accident
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
Attendant care claims are considered to be allowable (medical) expenses, and there is no limitation on the length of time an injured person can receive these benefits, as long as the benefits are reasonable and necessary.Rate this question:
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- 4.
Any person operating an uninsured motor vehicle at the time of a motor vehicle accident is disqualified from receiving no-fault insurance benefits.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
Only persons operating his or her own vehicle that is uninsured at the time of an accident is disqualified from receiving no-fault insurance benefitsRate this question:
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- 5.
Which insurance company is first in the order of priority for paying no-fault benefits for a motorcyclist struck by a car in Michigan?
- A.
The motorcyclist's own insurance company
- B.
The car driver's insurance company
- C.
The owner of the car's insurance company
- D.
The Michigan Assigned Claims Facility
Correct Answer
C. The owner of the car's insurance companyExplanation
The insurance company of the owner of the car involved in the accident with the motorcyclist is first in priority for paying no-fault benefits to the injured motorcyclist.Rate this question:
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- 6.
A motorcyclist cannot receive Michigan No-Fault benefits if there is no contact with a motor vehicle (car or truck).
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
A motorcyclist can receive Michigan No-Fault benefits when a motor vehicle (car or truck) is involved. Involvement is the key. Contact is not required for a motor vehicle (car or truck) to be involved in an accident. If a motor vehicle (car or truck) cuts off a motorcyclist causing an accident and there is no contact, then the injured motorcyclist is still entitled to receive no-fault benefits from the motor vehicle’s insurance policy.Rate this question:
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- 7.
A motorcyclist cannot receive Michigan No-Fault benefits if struck by another motorcyclist.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
A motorcyclist cannot receive Michigan No-Fault benefits if a motor vehicle (car, SUV, truck, etc…) is not involved. No-Fault benefits are not available for a motorcycle versus motorcycle accident or a single motorcycle accident, i.e. hitting a deer.Rate this question:
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- 8.
Replacement household chores are a lifetime benefit.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
Replacement services are a three year benefit and are not available after the 3 year anniversary of an accident.Rate this question:
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- 9.
A Michigan resident who is struck by a motor vehicle while walking as a pedestrian in another state is able to receive no-fault benefits in the following situations:
- A.
If the claimant had his or her own Michigan auto insurance policy
- B.
If the claimant was residing with a resident relative who was insured under a Michigan auto insurance policy
- C.
If the claimant makes a claim for no-fault benefits through the Michigan Assigned Claims Facility
- D.
Answers a. and b.
- E.
All of the above
Correct Answer
D. Answers a. and b.Explanation
A claimant who is injured in an auto accident in another state can receive no-fault benefits from his or her own auto insurance company, or from a resident relative’s auto insurance company. The Assigned Claims Facility will only pay for claims resulting from auto accidents which occurred in the State of Michigan.Rate this question:
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- 10.
The Michigan Catastrophic Claims Association provides reimbursement (dollar for dollar) to insurance companies for no-fault claims paid out to a claimant over what amount:
- A.
$100,000
- B.
$250,000
- C.
$500,000
- D.
$1,000,000
Correct Answer
C. $500,000Explanation
The MCCA will reimburse an insurance company for all claims paid out after the insurance company has made payments of $500,000 to or for the benefit of a claimant.Rate this question:
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Current Version
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Jun 07, 2023Quiz Edited by
ProProfs Editorial Team -
Nov 29, 2012Quiz Created by
BuckfireLaw
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