Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is the Catastrophic Fund?
  2. What is No Fault insurance?
What is the Catastrophic Fund?
That is a great question. The State of Michigan has set up this fund to help take care of people that are severely injured due to an automobile accident. In each and every policy written in Michigan, we pay a fee that goes directly into this fund to take care of hospital care, rehab care, medicine, and anything else that goes along with getting better after a car accident. Rest assured......if you are severely injured in a car accident, the State of Michigan will make sure you are properly taken care of for the rest of your life, if need be. 

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What is No Fault insurance?
In a nut shell, this basically means at the time of an accident, if either party has collision coverage on the vehicle that was damaged, that person's own insurance company will pay to fix their customers vehicle minus their deductible; no matter who is at fault. Prior to no-fault insurance, the court system was clogged with law suits to try and get the other person's insurer to pay for damages; especially when it was unclear who was really at fault. In turn, your vehicle would sit for months not getting fixed until the courts decided. 

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