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Livonia, MI (April 20, 2026) — On Monday, April 20, a two-vehicle accident left a passenger injured on the eastbound side of Schoolcraft Road. Emergency rescue units were dispatched to the scene near Haggerty Road at approximately 6:14 a.m.
First responders arrived to find the two vehicles obstructing the roadway. A passenger in one of the vehicles reported experiencing significant leg pain and received immediate on-site evaluation from rescue crews. The severity of the injury has not been fully disclosed.
Local authorities are currently investigating the factors that contributed to the crash.
Our thoughts remain with the injured passenger, and we wish them a full and timely recovery.
How Does “Excess Medical” Coverage Work in Michigan No-Fault Claims?
If you were injured in a car accident in Livonia, your medical recovery is primarily governed by Michigan’s No-Fault insurance system. However, in cases involving leg injuries or potential fractures, the costs of emergency room visits and physical therapy can quickly become a significant financial burden.
In Michigan, your medical expenses are covered by Personal Injury Protection (PIP). As a passenger, you typically seek these benefits from your own auto insurance policy or a policy held by a resident relative. If neither applies, you would seek benefits through the insurer of the vehicle you were riding in, or as a last resort, through the Michigan Assigned Claims Plan (MACP).
Since many Michigan drivers now choose capped PIP limits (such as $250,000 or $500,000) rather than unlimited coverage, a serious injury can potentially use up those funds.
When medical bills exceed your chosen PIP cap, you have the right to file an “Excess Medical” claim against the at-fault driver’s liability insurance. This allows you to recover the costs that your own insurance doesn’t cover, ensuring that your long-term rehabilitation isn’t cut short due to policy limits.
Additionally, if your injury results in a “serious impairment of body function”, such as a bone break that prevents you from working or walking for an extended period, you may also be eligible to sue for non-economic damages like pain and suffering.
This is why securing the police report is the first step in proving that the other driver’s negligence was responsible for these additional costs.
Navigating the priority of which insurance company pays first after a passenger injury is one of the most confusing aspects of Michigan law. A lawyer can help explain how insurance benefits apply in your case.
Legal guidance includes reviewing police reports, medical documentation, and insurance policy terms. This approach allows injured individuals to make informed decisions about next steps.
Our team at Ratton Law Group has extensive experience reviewing vehicle crash cases in Livonia and nearby areas. We help clients understand how medical bills, insurance coordination, and documentation requirements may affect their situation.
If you have questions after an accident, you can contact Ratton Law Group at (313) 631-0502 to speak with our car accident lawyer and discuss your options during a free consultation.
