Each year, thousands of drivers are injured on Michigan roads due to car accidents. In most cases, whether due to distracted driving, bad weather conditions, or driving under the influence, the person injured in the accident was not at fault. However, car accidents not only have serious physical consequences; they can also cause you financial hardship.
Payments issued by your insurance company may not cover the emotional and physical costs of an auto accident. Unfortunately, the “No-Fault” insurance law in Michigan makes claiming compensation for an auto accident complicated.
A personal injury attorney from Cochran, Kroll & Associates, P.C. can offer you legal advice and help you sift through the complexities of Michigan personal injury and insurance law.
Michigan’s No-Fault auto insurance law is one of the most complicated in the country. The basic principle of No-Fault insurance law states that each party is entitled to compensation from their own insurance company after an auto accident.
All drivers in Michigan are required to purchase No-Fault auto insurance. However, recent changes to the laws mean that some drivers are eligible to opt-out of certain parts of their coverage.
You can claim compensation after an accident by filing a first-party claim, a third-party claim, or a mini-tort claim.
Part of your No-Fault policy covers Personal Injury Protection (PIP). PIP will pay any medical expenses deemed reasonable by your insurer up to the amount you have chosen for your coverage. Some drivers opt for unlimited coverage. Unlimited medical payments are also financed by the Michigan Catastrophic Claims Association (MCCA) who deal directly with the insurer.
PIP will also pay for up to 85% of wages lost for up to three years. The amount of wage replacement is limited and the payment amount revised each year. You are also entitled to a small weekly sum to pay for routine household services that you are no longer able to perform.
However, in some cases, the compensation received by your insurance company is not sufficient to cover damage to property, expensive medical bills, and lost wages. A car accident attorney from Cochran, Kroll & Associates, P.C., will fight for your entitlements to ensure that you get the compensation that you deserve.
In addition to helping you navigate the complex insurance laws in Michigan and assisting with filing your claim, we can also help you receive compensation for pain and suffering.
In limited cases, the driver is entitled to payments for pain and suffering endured as a result of the accident. To be eligible to make a pain and suffering claim you must:
Our team of Michigan car accident lawyer at Cochran, Kroll & Associates, P.C. have extensive experience in a range of practice areas including personal injury and insurance claims. Our expert legal services have won our clients millions of dollars in compensation and eased the financial burden following an auto accident.
If you have been involved in an auto accident, explore our firm website for information or call us today at 1-866-308-6261 to schedule your free consultation.
