Personal Injury

1. What is No Fault?

Answer: No Fault refers to the benefits you get usually from your own insurance company regardless of whether or not you are at fault for the accident. The most common benefits include: Money to replace lost earnings; payment of medical bills related to your injuries from the accident; money to compensate for mileage incurred to and from medical providers; and money to pay for help around your home with things you can't do and to have someone take care of you if your doctor prescribes it.

2. Do I have a case?

Answer: This depends on whether you have injuries from the accident and if you have done quality medical treatment, usually with specialists like orthopedic and neurosurgeon; and have gotten the right test, for example, MRI and EMG testing.

3. Do I have to have insurance on my car to have a case?

Answer: Yes. Since 1996, if you are driving your own car in Michigan when the accident occurs and do not have any automobile insurance you will not have a case or be entitled to no fault benefits.

4. Do I pay any money to hire your firm?

Answer: No. We only get paid if you do.

5. What are the most important things to do when I am in an accident?

Answer: If you are injured, seek medical treatment first and often. Then, as soon as possible, contact your car insurance company. This will be your insurer if you are driving your car, or it will be the insurer of your own car or that of a family member you are living with if you are a passenger. In either case, along with reporting the accident, request a No Fault Benefits Application. Yes, you read that correctly. Passengers only make a claim on their driver's insurer if they or the family they are living with don't have an insured vehicle.

6. Are truck and bus accidents covered by the same laws as automobile accidents?

Answer: Yes, in general.

7. What factors effect the amount that is ultimately paid out on a personal injury case?

Answer: Degree of injury, amount and quality of medical treatment, whether or not you can work while you are recovering, insurance policy limits of the at fault driver and anyone else at fault, whether you have uninsured and/or under-insured motorist coverage on your own vehicle, your age and your occupation are some of the most common factors. Overall what these factors translate into in the personal injury arena are: How Much Has The Accident Affected Your Normal Life.