When involved in a Michigan car accident that someone else caused, many people do not realize if you are entitled to damages that go beyond what your PIP and PPI include, like simply having your car repaired or replaced. Michigan auto accident laws are different from many other states because everyone will file against their individual PIP insurance before moving forward with any third-party claims. In addition, these third-party claims are only allowed if the injuries a victim sustained pass a certain threshold. Because of this, many people often do not realize that they can initiate a third-party claim to supplement the damages they collect from their first-party insurance.
When you file a third-party claim, insurers work to settle lawsuits brought against their policyholders as quickly as possible and for as little as possible, and the adjuster will try to avoid addressing as many specific damages as possible. Even when you bring these damages to their attention — including your calculations — they will still push back on agreeing with them without aggressive and ongoing negotiations. All this while you are trying to recover from injuries.
Contact Our Firm For a Consultation With an Auto Accident Attorney Today
Working with Michigan car accident lawyers is one of the best ways to get the money that you deserve at the same time that you are focusing on recovering from your injuries. Emotional stress and anxiety are shown to have significant impacts on recovery from physical injuries. By offloading your legal worries to a seasoned professional, you will be able to keep your stress low as you look towards the future with confidence. In addition to the physical recovery benefits, your attorney will be fighting aggressively with their in-depth understanding of personal injury law to ensure that you get the money you are rightfully owed for your car accident case.
Read below to learn more about how damages are calculated and how you can benefit from a motor vehicle accident law professional’s support, and contact our law firm today to schedule a free consultation with an experienced Michigan car accident attorney.
Who Pays For Your Accident?
In Michigan, a driver must have certain minimum coverage for both property damage and bodily injury, as well as the requirement to carry no-fault insurance that includes PIP (personal injury protection) and property protection insurance (PPI). Other states allow for injured parties to sue for any measurable damages. Still, before you can pursue a third-party claim in Michigan, we encourage you to reach out to our team of car accident lawyers to learn more about how this process will work.
Filing your first-party claim is a simple process, but ensuring you get the compensation you deserve — either from your insurer or the at-fault driver’s insurance — requires much more work than simply filing paperwork and providing documentation as requested. This is because any insurer wants to settle claims regarding vehicle accidents as quickly and affordably as possible, even for their policyholders. Working with car accident attorneys is one of the best ways to ensure that all of your damages are included in your claim and that you settle for what you deserve — not just what the insurer wants to pay.
When you contact our law firm, we will be able to go through the details of your accident, such as the nature of your injuries, the severity of these injuries, the cause of your accident, and more. We will provide you with specific feedback and advice about how best to move forward with this information. In addition, our law firm has handled many different types of auto accidents, so we have a good understanding of how each unique car accident may be best managed.
Calculating Damages In a Michigan Car Accident Case
Whether you file a first-party claim with your insurer or a third-party claim against the other driver’s insurance policy, you do not deserve to take on any of the financial impacts of someone else’s driving that caused the car accident. However, your first-party insurance will cover damages up to the policy limits before we need to seek compensation from the other driver. That said, it’s crucial to have a comprehensive understanding of the damages you have suffered so we can plan about whether or not we will need to file the third-party claim to get you the money you truly deserve.
Economic damages are the impacts of your accident that have measurable dollar values, such as the cost of your medical bills, any lost wages or impacts to your earnings, as well as all of the property damage you have experienced. These damages are simple to calculate because they typically come with receipts, invoices, estimates, bills, and income statements. If you have suffered from significant injuries that will have long-term impacts on your life, then calculating those damages into the future is complicated.
Another complication with economic damages that many people fail to recognize is the number of more minor, seemingly inconsequential economic damages that seem like more work to track down than is worth it. A Michigan car accident lawyer will tell you otherwise, and their attention to detail will help to ensure that you do not foot the bill for someone else’s impaired driving.
Non-economic damages are more complicated to calculate AND more complicated to negotiate once you have reached a final figure. These damages pertain to the abstract or intangible impacts of an accident, such as the pain and suffering you endure because of your injuries, the depression, fear, and anxiety that many people experience following traumatic events like car accidents, and more.
As you can imagine, trying to put a value on “depression” is fraught with complexities, and insurers will capitalize on a claimant’s inexperience with these processes by aggressively denying any attempts at these calculations. However, a Michigan car accident lawyer has years of experience calculating and negotiating these damages, and the car accident attorneys at our law firm are here to help today.
Contact a Michigan Car Accident Lawyer
Our auto accident attorneys understand the complicated process of getting our clients what they deserve after serious car accidents. So contact our firm today to get started on your case.
During our initial consultation, we will go through the many essential details of your case and clarify what the future may hold. Once you know that an experienced car accident lawyer is fighting for what you deserve, you can focus on your recovery without unnecessary uncertainty or anxiety.
Have you or a loved one experienced any of the following?
Failure to diagnose or misdiagnosis of injury or disease
Misreading or ignoring laboratory results
Unnecessary surgery, or surgical errors
Improper medication or dosage
Poor follow-up or aftercare
Disregarding or not taking an appropriate patient history
Failure to order proper testing
Abuse of elderly residents in long-term care facilities, including physical or emotional injuries, sexual assault, financial exploitation, or other types of abuse.
Bedsores, decubitus ulcers, or pressure injuries