Detailed Answer
When an accident-related injury prevents you from working, Michigan law provides several avenues to seek compensation for lost wages.
No-Fault Auto Insurance (Personal Injury Protection)
Under Michigan’s No-Fault Act, if you’re injured in a car accident, your Personal Injury Protection (PIP) benefits cover wage loss up to 85% of your gross wages, subject to policy limits. See MCL 500.3107.
Workers’ Compensation
If you suffer a work-related injury, you may qualify for wage loss benefits through Michigan’s workers’ compensation system. Wage loss benefits typically amount to two-thirds of your average weekly wage, subject to statutory maximums. See MCL 418.361.
Third-Party Liability Claims
If another party’s negligence caused your injury—such as a careless driver, property owner, or manufacturer—you can file a third-party personal injury lawsuit. If successful, you can recover full wage losses, both past and future. Michigan imposes a three-year statute of limitations on negligence actions. See MCL 600.5805.
Additional Sources of Benefits
In some cases, disability insurance (short-term or long-term) provides partial wage replacement. Review your policy or employer plan for details.
Disclaimer: This article is for informational purposes and does not constitute legal advice. Consult a qualified attorney to discuss your specific situation.
Helpful Hints
- Collect documentation: medical records, pay stubs, and insurance policy details.
- Report injuries promptly to your insurance carrier and employer.
- Track all wage loss: note dates, hours missed, and gross earnings.
- Observe deadlines: file claims and lawsuits before the statute of limitations expires.
- Consider consulting a personal injury attorney early in the process.