The Basics of Michigan No-Fault Insurance
As many motorists may be aware, insurance works a little differently here in Michigan than it does in most other states. By law, every car owner must carry what’s called “no-fault insurance” coverage in order to get their license plates. But what exactly is no-fault insurance, and what does it mean for you? Essentially, no-fault insurance gives the insured the right to recover a set of specific “no-fault benefits,” typically from your own insurance company. This coverage differs from other types of insurance in that it doesn’t matter who actually caused the accident or whether you were driving or riding in the victim’s car at the time of the collision.
are covered for your entire life with no maximum limits. Wage Loss: If you are unable to work due to your injuries from the crash this benefit will provide 85 percent of your lost wages, with a maximum of $5,541 per month. This benefit is payable for the first three years following the crash.
Household Services: If your injuries prevent you from performing your normal household chores you maybe entitled up to $20 per day in order to pay someone who performs these activities on your behalf. The household service benefit is typically paid monthly and is available for the first three years following the crash. Even if you’re responsible for the accident, your no-fault policy will provide you with the above benefits. Be aware, though: In order to receive benefits, the insured must file a claim with their insurance company within one year of the accident.
Basic no-fault personal injury protection (PIP) insurance includes three types of coverages:
Allowable Expenses: This component of no-fault insurance will cover all medical bills along with anything you may need for your care or recovery including attendant care. Attendant care is a benefit that pays someone to help care for your personal needs similar to a home health aide. Allowable expenses
Laugh Out LOUD
Easy Holiday Party CHEESE FONDUE
INGREDIENTS
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¾ cup dry white wine
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1 clove garlic
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1 tablespoon cornstarch
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Salt to taste
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1 (8-ounce) package sliced Swiss cheese
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Foods to dip (apple slices, bread cubes, roasted vegetables, etc.)
DIRECTIONS
1. In a large bowl, whisk together wine and cornstarch.
some cheese and slowly whisk. When nearly smooth, add more cheese and whisk gently. Repeat until all cheese is melted. If mixture seems too tight, add 1 tablespoon wine. 5. Season with salt and serve immediately. Keep pot on low heat to keep the fondue dippable.
2. Chop cheese slices into small, uniform pieces.
3. Rub clove of garlic all over the sides and bottom of a heavy-bottomed pot, then discard. 4. Heat wine mixture over medium-low heat in the pot until thick and bubbling. Add
6. (Recipe inspired by PinchofYum.com.)
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