There is no such thing as a "minor accident" - and the attorneys of are here to help you. From the moment you heard the crunch of metal and glass, your life has been more difficult and complicated. You may have pain, worry, medical bills,  wages lost during recovery, car repairs, and other expenses. The last thing you need to deal with is an uncaring, profit-motivated insurance company. You do not want to have to fight through the insurance company's complicated claims procedures that were created in an attempt to discourage you from getting the money you are entitled to receive. If your accident occurred in Michigan while you were riding a motorcycle, you have similar rights as a person riding in a car, but the insurance company and at-fault person often tramples on these rights. If your car accident in Michigan involved huge transport trucks that dominate the roads, you have another unique and complex problem. Contact a commercial vehicle accident attorney today!

Our firm has accident attorneys and case managers who want to help and who know how to handle the hassles created by this unfortunate and costly accident. We work on a contingency fee basis and there are no fees or costs paid to our firm, unless we win. We have a track record of successfully resolving cases. Our auto accident attorneys have collected millions of dollars for injury victims and have handled hundreds of cases for car crash victims like you. We represent individuals throughout Michigan, including those in and around the cities of Ann Arbor, Detroit, Flint, Lansing, Pontiac, Lapeer, Mount Clemens and others. Through a nationwide network of attorneys, we can help you with your claim in any area.

Medical Bills, Wage Loss, Household Help, and Transportation 
are recovered in a No-Fault state through one's own insurance company.
Michigan is a No-Fault State!

Michigan First-Party No-Fault Benefits that you should be entitled to from your own insurance company include:

Medical Bills for Life
There are many complicated components to ensuring that your medical bills are paid if you are in a Michigan auto accident. Consulting with our office is highly recommended. To qualify for medical expense reimbursement, a bill must be reasonable (in cost and necessity) and the bill must actually be incurred. Michigan law does not provide for guaranteed pre-payment of bills due to an automobile accident. Frequently, insurance companies will dispute the necessity of a procedure ordered by your physician or the amount billed by the doctor.

Michigan auto accident law provides life time of medical coverage for treatment related to the motor vehicle accident accident.  Insurance companies in Michigan provide two types of medical coverage in the event of an accident. The first type is un-coordinated benefits and the second type is coordinated benefits. The terms of your policy control which benefits you will receive. An uncoordinated policy pays benefits regardless of the presence of other health insurance.  A coordinated policy requires secondary health insurance to pay first, and provides that residual amounts are paid by the auto insurance.  

It is common for a primary health insurance policy and an automobile insurance policy to contain contradictory language about who has the first obligation to pay medical bills. If there are any questions in this area, or bills are not being paid in a timely manner, an attorney should be promptly consulted. If a bill is not submitted within one year of the date it is incurred, the insurance company may escape its obligation to pay.

Wage loss 
Michigan No-Fault law allows for an injured individual to receive 85% of their salary if a doctor has disabled the injured party from working due to the injuries suffered in the automobile accident. This benefit cannot exceed a period of 3 years. The 15% reduction reflects taxes. The money received through no-fault wage loss reimbursement is considered tax free. There are many additional rules that govern this form of a wage loss claim and an attorney should be consulted. There is a statutory cap on the maximum that an insurance company is obligated to pay to an individual per month in wage loss.

Attendant Care
Attendant care benefits are sometimes referred to as Nursing Services. Severe Injuries often require the injured person to receive supervision and assistance for prolonged periods of time. It is not uncommon for a physician to state that a severe injury warrants around the clock supervision. There is no firm guideline that indicates how much an insurance company must pay for attendant care. Often, the quality of care and ability to choose the care provider are dependent upon an insurance carrier fulfilling its obligations under its contract of insurance. You should contact our office to secure premium attendant care benefits for yourself or a loved one. 

Replacement Services
This term refers to reimbursement for services that you would have performed on your own had you not been injured in an accident. If you paid or promised to pay for household services, chores, errands, etc. that you would have accomplished on your own, then you may be entitled to reimbursement for these expenses. A physician needs to document that you are unable to do these tasks on your own, and your insurance company may require documentation of who performed what services for you and when. Currently, Michigan law states that no insurance company is obligated to reimburse more than $20 dollars per day for replacement services. Michigan law allows for only three years of replacement service benefits.    

Mileage Reimbursement
Often, proper medical treatment and physical therapy require an injured person to travel significant distances.  Michigan No-Fault Law provides for the reimbursement for mileage traveled to and from doctor's appointments.

Third-Party (At-Fault) Basics
Damages for pain and suffering, disfigurement, death, and wage loss in excess of 3 years represent the components of a Third-Party claim.  A Third-Party claim is one made against the at-fault driver in an automobile accident.  With the exception of the potential to sue for excess wage loss, the damages sought in a Third-Party suit are non-economic in nature.

In Michigan, to prevail in a claim against the other driver for non-economic damages, it must be demonstrated that the injured party has suffered what the law terms a threshold injury.  This is defined by statute as either:

A serious impairment of an important body function or 
serious disfigurement/scarring, or  death.

It is very common to find an insurance company adjuster who wishes to classify an injury as not being a serious impairment of a body function or a serious disfigurement.  However, if you feel you have an objectively documented injury to an important part of your body, and this affects your life, then you should contact our office to fight for your rights.

The Statute of Limitations or time a person has to file a Third Party lawsuit is 3 years.  Minors are allowed until one year past their 18th birthday and there are certain other exceptions for military personnel and those judged mentally incompetent.  If your are hurt in an auto accident, it is advisable to contact our office immediately.

You Need an Attorney!
The insurance companies vigorously fight against paying damages to an injured victim, especially in automobile accident cases. Negotiating alone or waiting until the insurance company makes an offer can be frustrating, time consuming, and costly. We will vigorously represent your interests in these proceedings and counsel you as your claim progresses.  We will do everything possible to protect the privacy and emotional well being of you and your family. Our dedicated attorneys, case managers, and investigators will diligently gather the proof needed to recover your damages.  A recent study found that injured parties represented by legal counsel obtain far greater recoveries than those individuals who attempt to represent themselves. We have the necessary legal resources and experience to help you.

Free Professional Evaluation of Your Claim
Contact a Accident Attorney today!
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