Car Accident Attorney in Michigan

stress after a car accident

If you are involved in a car crash with another driver, you may find the days and weeks afterward stressful. Since Michigan is a no-fault state, you may be dealing with your insurance adjuster and third parties like the police, the negligent driver’s insurer, and other legal representatives.

The insurance and legal processes in Michigan following car accidents, motorcycle accidents, and truck accidents can be complex. Even if you are not the at-fault party in the car crash, the vehicle insurance company aims to pay out the lowest possible amount. They may try to offer you a lowball settlement, delaying your compensation claim.

If you have been involved in a car accident, get legal representation with Cochran, Kroll & Associates, P.C. Working with a reputable and experienced legal team can help ensure you receive fair compensation for the accident.

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Car Accidents in Michigan: Insurance and Legal Processes

According to the Michigan Office of Highway Safety Planning, out of 245,432 collisions, 18.1% resulted in personal injuries. About 5,433 people suffered suspected significant injuries that prevented them from going about their daily lives and required hospitalization.

An automobile accident can result in a range of catastrophic injuries, including spinal cord injuries and traumatic brain injuries. Sometimes these injuries lead to wrongful death. There were 61,000 TBI-related deaths in the United States in 2019.

Many accident victims who sustain an injury in a car crash miss out on applying for no-fault benefits if they don’t file within one year of the accident. Following your lawyer’s advice after a car accident in Michigan improves your chances of receiving a substantial compensation amount if you win your case. Our attorneys can assist you with the complexities of dealing with vehicle insurance claims.

After an accident, an attorney in Detroit, Michigan, can help to streamline the compensation process and deal with the other parties on your behalf. Our motor vehicle accident law firm can help in many ways:

  • Arrange to receive the police reports for the car accident
  • Review medical records of your medical treatment and examinations to determine the extent of your injury
  • Negotiate with insurance companies on settling your claim
  • Make sure all documentation from the accident scene (police report, pictures, and witness statements) is accurate and complete

Economic Consequences of a Car Accident in Michigan

No matter how serious, an auto accident almost always has economic consequences. When an injury is involved, and there is significant damage to your vehicle, the economic consequences of a car crash can quickly add up. Vehicle insurance coverage helps cover these costs, but processing an insurance claim takes time.

Even those who are in a comfortable financial position face significant challenges. If you don’t live near your work, you may need a vehicle to commute to the office daily. When your car sustains damages in a crash, you’re forced to pay out of pocket for a rental car or using a rideshare service. If an insurer is slow to fulfill its obligations, these expenses quickly mount.

Medical bills and time off work add to these expenses, which is why you need your full compensation settlement in the shortest amount of time. The auto accident attorneys at the law firm of Cochran, Kroll & Associates, P.C., can minimize these delays so you can get compensated quickly.

What You Need to Receive a Settlement in a Michigan Car Accident Case

Finding the documentation and evidence, you need to file a claim after an accident can be challenging. You may be entitled to compensation for your financial losses, injuries, and pain and suffering, which were caused by the car accident, if you are insured and:

  • You were a passenger in the car, or the other driver was more than 50% at fault.
  • You did not intentionally cause the car crash
  • A physician states the car accident was likely the cause of your injuries
  • A family member has passed away in a car accident, and a court rules it a wrongful death

Your auto accident attorney can help you build your case to highlight your suffering and prove you are not more than 50% at fault. If you lost a loved one due to the crash and the court ruled a wrongful death, you may be entitled to further damages. Beyond the cost of medical bills, you can claim compensation for the suffering of the deceased person, burial expenses, and loss of financial support the deceased person provided.

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What is Michigan’s Car Accident No-Fault Law

Under Michigan no-fault law, you can file a claim under your insurance policy.

As part of your insurance policy, you are entitled to medical expenses, wage loss benefits, replacement services, and coverage for damage you cause to other people’s property.

Personal injury protection benefits will be available if someone in your family was riding in someone else’s car or if a pedestrian was injured. Any person injured in an accident involving your vehicle who does not have a no-fault policy is covered by the personal injury protection coverage of your no-fault policy.

Your no-fault policy has three parts:

Personal Injury Protection (PIP)

PIP coverage pays for reasonable medical expenses up to a certain amount in a car accident. You can also receive up to 85% of the income you would have earned if you weren’t injured for up to three years. Compensation for loss of wages is limited, and it is updated annually in October.

Property Protection (PPI)

No-fault insurance pays up to $1 million for damage your car causes to other people’s property, such as buildings and fences. In addition, it covers any damage your vehicle causes to a parked car. Further damage to your vehicle is not covered.

Bodily Injury and Property Damage Residual Liability Insurance

Residual bodily injury and property damage liability coverage covers you, your family, and anybody else in your car from a lawsuit. However, you can still file a lawsuit if certain criteria are met, such as permanent disfigurement, serious injuries, or death.

In Michigan, you can sue if the other driver is at least 50% to blame for an accident causing damages to your car that isn’t covered by insurance.

However, if the car accident was not your fault, you may not want to file a claim with your personal insurance policy. Third-party vehicle insurance companies work on behalf of their clients, and sometimes they can be slow to offer compensation even when it is due.

If you’d like to learn more, visit the following link to view.

Additional Michigan No-Fault Law blogs:

Types of Compensation for a Car Accident in Michigan

Under Michigan law, you have three years from the car accident date to file a claim for property damage or personal injury. Promptly filing your car accident claim is important.

If you have severe injuries or mental trauma from your car accident, you may be entitled to significant pain and suffering compensation. Your car accident lawyer in Michigan can help you structure your claim to get the best settlement. You can pursue two types of compensation under Michigan law: Economic and non-economic damages.

Economic damages are calculable. They can be added or subtracted and given a specific monetary value. These types of damages include:

Non-economic damages are not calculable and can be harder to prove. Your Michigan auto accident lawyers can help you seek compensation for:

  • Pain and suffering
  • Mental or emotional distress
  • Loss of companionship
  • Loss of enjoyment of life
  • Loss of reputation

For non-economic damages, you and your car accident lawyers must prove that the mental and emotional consequences directly resulted from the car accident. If your evidence is strong enough, a car accident lawyer can assist you with this part of your personal claim.

Continued Reading: How to Get Auto Accident Compensation

Auto Accident Lawyers

What Are the Michigan Car Accident No-Fault Law Changes?

Michigan drivers can choose from six levels of medical coverage as part of their PIP policy as of July 2020. You automatically get the unlimited PIP medical option if you do not choose a PIP medical option.

This is the maximum the insurance company will pay under PIP medical coverage for your medical bills. The medical coverage limits include:

  • Up to $500,000
  • Up to $250,000
  • Up to $250,000 in coverage with PIP medical exclusion if you have non-Medicare health coverage that covers auto accident injuries
  • Up to $50,000 if you have Medicaid and your family members have another vehicle insurance policy, Medicaid, or other health insurance that covers auto accident injuries
  • Unlimited medical coverage

You can opt out of PIP for medical coverage if you have Medicare Parts A and B. Your family members must have additional auto insurance or health insurance that covers injuries sustained in an automobile accident.

Insurance companies suggest the changes will allow lower insurance premiums for drivers in Michigan while still protecting accident victims.

Contact the Michigan Auto Accident Attorneys at Cochran, Kroll and Associates, P.C.

It is important to report your accident and engage the services of experienced car accident lawyers to get your case started as soon as possible. At Cochran, Kroll & Associates, P.C., our auto accident attorneys understand the nuances of Michigan no-fault law. Let our experienced lawyers take on your case and help you get compensation for your injuries.

Our contingency fee basis means we only get paid if we win your case, so there is no financial risk to you to get started. Call our law firm today at 866-MICH-LAW and schedule your no-obligation, free case evaluation.

FAQs

Can you sue for a car accident in Michigan?

According to Michigan automotive law, you can sue when you are involved in a car accident. You have three options; a mini-tort for physical damage to your personal vehicle only, no-fault benefits, and pain and suffering.

If an uninsured motorist hits you, you can still file a no-fault claim to obtain Personal Injury Protection (PIP) benefits. Be sure to take down any information about the uninsured motorist if you need to sue them personally for compensation.

What is the average settlement for a minor car accident?

Michigan’s average settlement for minor car accidents varies from case to case. Various factors determine the amount you receive for a minor auto accident in Michigan, including whether you were injured and the severity of the damage to your car.

The car accident lawyers at Cochran, Kroll & Associates, P.C. can give you an estimate based on the specific details of your case and previous settlements obtained for car accident claims under similar circumstances.

How much can an injury attorney help me get from my car accident settlement?

A car accident settlement varies depending on the circumstances. The severity of the car crash, the extent of the damage, the type of injury sustained, the types of vehicles, and who is at fault all factor into your settlement amount.

What is the average payout for a rear-end collision claim in a Michigan car accident?

The average payout for a rear-end collision depends on the facts of the case. This includes what damage occurred in the auto accident, and the types of vehicles involved in your Michigan rear-end collision claim.

What to do after a car accident that’s not your fault?

Even if a car accident is not your fault, you need to report it to the police and your insurance company. You should check yourself for injuries and if you’re in pain, seek medical attention, inspect your car for damage and take photos if you are able.

Contacting a personal injury attorney in Michigan can help you get legal guidance on making a compensation claim.

Can I sue for pain and suffering from a car accident according to Michigan law?

Unlike filing a claim for vehicle damage or injury, suing for pain and suffering following a car accident is complex. Your medical records and a journal detailing how the extent of your pain and suffering has affected your life after the accident are usually necessary evidence.

How much does it cost to hire a car accident attorney if you were hurt in a car accident in Michigan?

The upfront cost of hiring an auto accident attorney may be a concern due to mounting medical expenses. Cochran, Kroll & Associates, P.C. car accident lawyers work on a contingency basis, so you only need to pay a percentage of your financial compensation if you win your case. We also provide a free initial consultation to evaluate your car accident case with no obligation to hire us.

How much time is there to file a Michigan car accident lawsuit?

If you have sustained injuries or incurred severe damage to your car in a Michigan car accident, you have three years from the date of the car crash to file a lawsuit against the at-fault driver. This time frame is known as the statute of limitations and applies to wrongful death and personal injury claims.

However, under certain circumstances, the statute of limitations in Michigan may be longer or shorter than three years. In the case of an uninsured motorist, underinsured motorist claims, or if the car crash victim was a minor or mentally disabled, discuss the filing time frame of your case with an experienced Michigan car accident attorney at our law firm.

 

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Getting The Help You Need For a Michigan Car Accident

An auto accident lawyer at Michigan’s top-rated law firm, Cochran, Kroll & Associates, P.C., will share with you information and advice that you won’t get from your insurance agent.

Victims of car accidents in Michigan can receive the maximum damages possible by relying on the expertise and trial experience of the car accident lawyers at the law firm of Cochran, Kroll & Associates.

If you believe you are a victim, let the attorneys experienced in car accident law at Cochran, Kroll & Associates, P.C. take on your case and fight for your rights. We offer a free consultation, and there is no obligation for car accident case evaluation. There is also no fee charged unless a recovery is made. Make an appointment today by filling out the interest form on our website.

Michigan Car Accident No-Fault Law Changes

Terry Cochran explains where we are today with Michigan’s No-Fault Insurance and the benefits of the current structure: “Since 1973, Michigan has had one of the most progressive no-fault laws. We have guarantees for accident victims that medical bills and full care will be covered for life.”

“Proposed changes will limit access to medical care providers and limit the amount of money available for car accident victims. The lowest coverage is $500,000. In the case of a catastrophic injury, that amount will be spent within the first six weeks.”

The elderly are particularly vulnerable. Seniors do not want to be a burden to their families, and it’s pretty clear that Medicare just won’t have funds to cover these expenses.

The insurance companies say the changes will allow for lower insurance premiums, but they make no commitments. Proponents of the proposed changes have a legitimate claim that medical and care expenses need more controls. Cochran, Kroll & Associates supports increased oversight of medical services and believes we need a more thorough review of services and goods by the medical community.

The Law Offices of Cochran, Kroll & Associates, P.C. is dedicated to representing individuals and families who have suffered catastrophic losses due to injuries, disabilities, and death. The firm does not represent insurance companies or corporations but instead bases its practice upon representing individuals and families.

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