If you have been injured in a car accident, you need a lawyer specializing in auto accidents to answer the questions you may have about your rights, your financial options, your entitlement to insurance benefits, who will pay your medical bills, and many more. You will be overwhelmed by the injuries, financial burdens, and the healing process. Who you hire as your auto accident lawyer can be the most important decision of your life. Hire a car accident law firm like ours that was built on dedication, trust, knowledge, and success. Hiring the best and most experienced Michigan car accident attorneys is the decision you will need to make based on the information you find researching and interviewing the lawyer following a serious car crash. Below is a list of typical car accident questions and answers, about Michigan’s auto no-fault insurance, and more.

CAR ACCIDENT QUESTIONS AND ANSWERS:

What should I do after the car accident? You should immediately report accident to the police because your insurance company will require accident reported to the police and you will want someone independent to verify the accident happened. Next, if you have been injured, you seek medical treatment to document your injuries and hopefully get a cure for your injuries.

How long do I have to file a car accident lawsuit? Generally, you have three (3) years to file a lawsuit against the at fault driver. If you fail to file a lawsuit against the at fault driver, your claim is forever barred.

Who can I sue? You can sue the at fault driver(s). If you are less than 50% at fault, you can sue the other driver(s) who contributed to the accident.  

What does the law allow me to recover from the at fault driver? The law permits you to recover money damages for past, present, and future pain and suffering. As a threshold question, you will have to prove, more likely than not (preponderance of the evidence), that you suffered a serious impairment of an important body function, that affected your general ability to lead a normal life. You can also recover excess economic losses such as wage loss, medical bills, attendant care, and other losses that are not covered by auto insurance. Your auto injury accident specialist will need to examine the evidence of your specific case.

NO-FAULT INSURANCE QUESTIONS AND ANSWERS:

What insurance company pays medical bills, wage loss, attendant care, or household replacement service benefits? In Michigan, generally your own auto insurance company pays your personal injury protection (PIP) benefits such as medical bills, wage loss, attendant care, and household replacement services. Your no-fault insurance claim can be limited by the amount of medical coverage your purchased. If you did not have household auto insurance then your claim should be presented to the Michigan Assigned Claims Plan (MIAPF).

How long do I have to make a claim for benefits with my insurance? Generally, you have up to 1 year to make a claim for personal injury protection benefits. However, it’s a good idea to make a claim as early as possible so your benefits are not unnecessarily delayed.

Is anyone disqualified from No-Fault PIP Benefits? Yes, the law disqualifies people who unlawfully take a vehicle and owners, or registrants of uninsured vehicles are some of the people disqualified from receiving PIP benefits.

For what period can I collect PIP benefits? Yes, generally the no-fault insurance policy will conform to the Michigan no-fault law. Wage loss (85% of gross wage up to the statutory maximum) and Household replacement services ($20 per day maximum) are payable up to three (3) years after the car accident. Medical and Rehabilitation benefits are payable up to the limit your purchased if your purchased limited PIP coverage. If you purchased unlimited lifetime medical coverage, then your auto insurance company is responsible to pay medical & rehabilitation related to the accident for your entire life. Attendant Care provided by family and friends is limited to 56 hours per week, but agency provided attendant care is not. You must look at the auto insurance policy you purchased to know the limits of your coverage.

Do I have to be in a car crash to get No-Fault PIP benefits? No. You can be eligible for Michigan No-Fault PIP benefit if you are injured while loading or unloading a vehicle, performing maintenance on a vehicle, or even getting out or into a vehicle. Your right to no-fault PIP benefits will depend on the specific facts of your case.

Does my No-Fault PIP Benefits coordinate with private health insurance? Yes, if you purchased a coordinated no-fault auto insurance policy. However, there are exceptions such as when you have a fully funded ERISA health insurance plan, then the PIP policy is primary. If your no-fault PIP policy is not coordinated, the PIP policy will be first to pay medical benefits. You must check the specific language of your auto insurance policy to know your rights.

Do the 2019 No-Fault Insurance reforms affect me? Yes, the new no fault law has changes that affect every single policy. The law is still evolving and therefore a no-fault insurance lawyer in our firm can answer any question related to the no-fault reform on a case-by-case basis during a free consultation to the extent possible.  

Top Auto Accident Lawyers Representing Ordinary People Throughout Michigan

We are a Michigan auto law firm representing ordinary people throughout the State of Michigan. If you are unable to come to our office, we will come to you at no extra charge. We will even arrange and pay for transportation to our law firm. We are here to serve you and we will vigorously pursue your rights for the benefit of you and your family, with the excellence and compassion with have given our clients for the past 27 years. First and foremost, we will do everything in our power to protect your legal rights so you can focus on healing, and without the burden of thinking about your case. Please call us at (248) 352-2110 or Toll Free 1-866-447-3563. You can also use the contact form. We give the No Win, No Fee Guarantee, and there are never any out-of-pocket costs. We will invest our time and financial resources to handle every aspect of your case