The Ultimate Michigan No-Fault Law Quiz

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| By BuckfireLaw

BuckfireLaw

Community Contributor

Quizzes Created: 2 | Total Attempts: 344

Questions: 10 | Attempts: 280 | Updated: Oct 11, 2024

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The Ultimate Michigan No-fault Law Quiz - Quiz

Test your knowledge and see how well you know our Michigan No-Fault Law system.

Questions and Answers

1.

Michigan No-Fault insurance wage loss benefits are subject to income tax?
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
Wage loss benefits are not taxable.

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2.

Which of the following is considered to be an attendant care service under the Michigan No-Fault Law?
- A.
  
  Shopping for meals
- B.
  
  Preparing meals
- C.
  
  Assistance with eating
- D.
  
  Cleaning up after a meal
Correct Answer
C. Assistance with eating

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.

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3.

The insurance adjuster determines the appropriate rate for attendant care service.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

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.

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4.

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?
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

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.

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5.

The No-Fault Insurance company paying wage loss benefits can demand that the insured apply for social security disability benefits?
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

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.

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6.

Which insurance company is first in the order of priority for a pedestrian struck by a motor vehicle?
- A.
  
  Their own insurance company
- B.
  
  The driver's insurance company
- C.
  
  The owner of the vehicle's insurance company
- D.
  
  The Michigan Assigned Claims Facility
Correct Answer
A. Their own 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.

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7.

Wage loss benefits are only available to a person who is employed on the date of the accident.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

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.

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8.

An Application for No-Fault Insurance Benefits must be filed within how much time after the accident with the appropriate insurance company?
- A.
  
  30 days
- B.
  
  120 days
- C.
  
  180 days
- D.
  
  1 year
- E.
  
  None of the above
Correct Answer
D. 1 year

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.

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9.

A Michigan resident injured in an out of state accident is entitled to Michigan No-Fault Insurance Benefits?
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

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.

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10.

What percentage of a person's gross wages must be paid by the insurance company for a wage loss claim?
- A.
  
  50%
- B.
  
  75%
- C.
  
  85%
- D.
  
  95%
- E.
  
  100%
Correct Answer
C. 85%

Explanation
85% up to the monthly statutory maximum

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Current Version
Oct 11, 2024

Quiz Edited by
ProProfs Editorial Team
Sep 19, 2012

Quiz Created by
BuckfireLaw

The Ultimate Michigan No-fault Law Quiz

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

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

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

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?

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

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

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

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

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

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