Disability Payments from Auto Insurance.?

Question

How long does the auto insurance company pay you disability? And if they always have to pay the maximum years, or can they stop whenever they want.

This is an Automobile Accident Case, and my Insurance is sending me my Disability Checks. My knowlegde is that in Michigan the AutoInsurance can pay you 3 Years. But i just wanted to know for sure if that is correct. Also, if the case gets settled, before the three years do they have to pay me the whole 3 years.

Answer 1

You'll need to clarify what type of claim you have.

Are you being paid disability because you were in an auto accident that was someone else's fault and it's being paid by that person's insurance?

If so, they will pay you until the claim is settled. Whatever they are paying you now will be part of the total settlement. They cannot pay you more than their insured had in policy limits though so it the person who was at fault had $50,000 in bodily injury limits and you have $30,000 in medical bills, they'll pay you another $20,000 to reach a total of $50,000. At that point, they've paid the policy limits and there is no more to pay.

That is an example only. You didn't give enough details for me to really answer the question adequately. Also, I have no way of knowing how much insurance the other person had. In some states, the minimum limits are only $10,000 so if the person only had $10,000, that is the maximum they'll pay.

I don't understand what 'the maximum years' means on an auto claim.

Additional Info- Michigan is a no fault state. I am not totally familiar with Michigan laws. However, I did some checking and it says you can recover up to 3 years disability. That means that if after 6 months, if your doctor says you are no longer disabled, you would no longer receive disability payments. If you're still disabled at the end of 3 years, the disability payments would stop at 3 years.

They don't pay the maximum years if you are no longer disabled.

Also, as I understand this, the way I'm reading it is if you were at fault in the accident, there won't be a settlement. You will get medical and disability period. If you were not at fault, then you would settle with the other parties insurance. The benefits you are receiving now are from YOUR insurance. YOUR insurance pays the medical and disability until you are no longer disabled or 3 years, whichever comes first.

Additional info - again - mbrcatz17 needs to go read the Michigan No Fault laws. She is incorrect. Michigan No Fault pays disability.

Answer 2

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RE :Disability Payments from Auto Insurance.?
How long does the auto insurance company pay you disability? And if they always have to pay the maximum years, or can they stop whenever they want.
Update: This is an Automobile Accident Case, and my Insurance is sending me my Disability Checks. My knowlegde is that in Michigan the AutoInsurance can pay you 3 Years. But i just wanted to know for sure if that is correct. Also, if the case gets settled, before the three years do they have to pay me the whole 3 years.
Follow 2 answers

Answer 3

It depends on what type of coverage you have on your policy. Usually it's a dollar limit, and a minimum limit at that. But assuming what you write is true....they pay until your disability is no longer a disability or until the policy has max'd. Why don't you just ask your claims adjuster???? By law they have to tell you.

Answer 4

I recommend one to try this website where you can get rates from the best companies: http://cheap-insure.info/index.html?src=5YAcVAsgY99axx1

RE :Disability Payments from Auto Insurance.?
How long does the auto insurance company pay you disability? And if they always have to pay the maximum years, or can they stop whenever they want.
Update: This is an Automobile Accident Case, and my Insurance is sending me my Disability Checks. My knowlegde is that in Michigan the AutoInsurance can pay you 3 Years. But i just wanted to know for sure if that is correct. Also, if the case gets settled, before the three years do they have to pay me the whole 3 years.
Follow 3 answers

Answer 5

Hmm. They don't usually pay "disability". They'll pay lost wages, and they'll pay medical payments, until the policy limits are reached, or your back at work, or not having medical bills.

It's not a "years" thing, it's a "dollars" thing.