After a serious car accident, our client turned to his own insurer, State Farm, for the Michigan No-Fault PIP benefits he was entitled to. Instead of help, he got a denial. The insurance giant claimed his injuries were pre-existing and that his medical care wasn’t necessary, cutting off the benefits he desperately needed.
State Farm based its denial on a report from their paid “Independent” Medical Examiner (IME), a doctor who spent only 10 minutes with our client and reviewed incomplete records. We took the fight to court. Our legal team built an ironclad case using objective medical evidence, including MRI scans and EMG test results. We presented testimony from our client’s actual treating physicians, who confirmed the crash had either directly caused or severely aggravated his condition.
In depositions, we exposed the insurance medical examiner’s biased and incomplete evaluation, proving it fell far below accepted medical standards. Faced with the collapse of their defense, State Farm settled. We secured a $700,000 settlement that covered all of his wrongfully denied benefits, including wage loss, attendant care, replacement services, and medical transportation. This result shows our commitment to holding even the largest insurers accountable for their actions.