The Ultimate Michigan No-Fault Law Quiz

1. 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?

True

False

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.

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.

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

Shopping for meals

Preparing meals

Assistance with eating

Cleaning up after a meal

Assistance with eating is considered to be an attendant care service under the Michigan No-Fault Law. This means that a caregiver or attendant helps an individual with the task of eating, which may include feeding or providing assistance with utensils. This service is important for individuals who have difficulty or are unable to eat independently due to physical or cognitive limitations.

Explanation

Assistance with eating is considered to be an attendant care service under the Michigan No-Fault Law. This means that a caregiver or attendant helps an individual with the task of eating, which may include feeding or providing assistance with utensils. This service is important for individuals who have difficulty or are unable to eat independently due to physical or cognitive limitations.

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

True

False

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.

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.

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

True

False

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.

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.

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

True

False

Wage loss benefits are not taxable.

Explanation

Wage loss benefits are not taxable.

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

True

False

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.

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.

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

True

False

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

Explanation

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

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

Their own insurance company

The driver's insurance company

The owner of the vehicle's insurance company

The Michigan Assigned Claims Facility

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.

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.

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

50%

75%

85%

95%

100%

85% up to the monthly statutory maximum

Explanation

85% up to the monthly statutory maximum

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

30 days

120 days

180 days

1 year

None of the above

An Application for No-Fault Insurance Benefits must be filed within 1 year after the accident with the appropriate insurance company. This means that individuals involved in an accident have up to 1 year to submit their application to the insurance company in order to claim benefits for their injuries or damages. Filing within this time limit ensures that the injured party can receive the necessary compensation for medical expenses and other related costs.

Explanation

An Application for No-Fault Insurance Benefits must be filed within 1 year after the accident with the appropriate insurance company. This means that individuals involved in an accident have up to 1 year to submit their application to the insurance company in order to claim benefits for their injuries or damages. Filing within this time limit ensures that the injured party can receive the necessary compensation for medical expenses and other related costs.

The Ultimate Michigan No-fault Law Quiz