Getting into a car accident on Detroit’s busy streets and interstate highways can result in catastrophic injuries or death. In 2020, traffic accidents were reported every 2 minutes and 9 seconds in Michigan. Unfortunately, Wayne County had the highest fatal crash rate that year.
Michigan is a no-fault state, so you need to file a claim for injury compensation with your insurance company. If you have incurred expenses beyond your insurance policy’s limits from medical bills and cannot work, you may need to file a lawsuit for damages.
To file legal claims for compensation, seek representation from the personal injury law firm of Cochran, Kroll & Associates, P.C. Our auto accident attorneys have extensive experience litigating and winning cases for our clients, so they get the compensation they deserve for their car accident injuries.
Our knowledgeable accident lawyers can give you legal advice on your insurance coverage and walk you through the legal process of filing a claim with your insurance company. We can also help you file an auto accident settlement against the at-fault driver for excessive medical bills and loss of wages.
Michigan no-fault law took effect in 1973 to streamline the claims process for auto accident victims and ensure all drivers on Michigan’s roads have some level of injury protection. However, the no-fault system has its downsides, such as higher insurance premiums for Michigan drivers.
According to the Insurance Alliance of Michigan (IAM), rising auto maintenance and health care costs drove the increase in auto insurance rates in Michigan. In 2020, Michigan’s no-fault laws were reformed to make buying unlimited Personal Injury Protection (PIP) coverage optional.
Depending on the level of no-fault PIP benefits in your automobile insurance policy, you may be eligible for PIP benefits that cover accident-related medical expenses. Your policy may have one of the following benefits:
The insurance companies must reduce PIP premiums and guarantee they remain low for eight years. This reduction applies only to the Personal Injury Protection premiums. The no-fault law also has the following savings for insurance policies:
Opting out of PIP benefits can save you 100% of your money. People with Medicare or a qualified health insurance plan can opt out.
Michigan no-fault insurance law provides four types of no-fault personal protection insurance (PIP) benefits in motor vehicle accidents that result in bodily injury or death.
The facts of your personal injury claim and the extent of your damages determine whether you are eligible for these benefits. Here are the four categories of no-fault PIP benefits.
Insurance companies are required to cover allowable expense benefits. They cover all reasonable charges for the products, services, and accommodations for medical care, recovery, and rehabilitation.
There are several benefits available, including in-home attendant care, barrier-free housing, physical therapy, special transportation and medical mileage, and the services of an independent case manager.
As part of Michigan’s no-fault law, you may receive up to $20 per day for expenses related to having others do reasonably necessary tasks that you cannot perform yourself due to injury. This benefit applies primarily to household services like housekeeping, lawn care, and snow removal.
Surviving loss benefits are payable for three years and have the same maximum limit as a work loss benefit. They are comprised of the deceased person’s after-tax income, the value of fringe benefits lost, and replacement service costs incurred as a result of their passing.
These benefits are available to the deceased person’s family members of any state resident in an accident, including motorcycle accidents, truck accidents, and pedestrian accidents.
The no-fault law also covers up to 85% of lost wages over three years. There is a maximum monthly amount of job loss benefit, which is modified every October to keep pace with the cost of living. The law also provides wage loss benefits to those considered temporarily unemployed from full-time employment at the time of the injury.
A personal injury attorney at Cochran, Kroll & Associates, P.C. in Michigan can help you with your legal claim. Because no-fault insurance gives you benefits, weighing your options is essential.
You can talk to your lawyer about the financial compensation available under Michigan’s no-fault insurance and see which benefits are right for you. An experienced motor vehicle accident lawyer at our law firm can assist you in gathering the necessary information to file a claim with the insurance company.
You have one year from the date of your claim to file a lawsuit against your insurance company if your PIP benefits are not paid and overdue.
Your insurance policy may not cover all your expenses, including medical bills. If you are seriously injured in a car accident, you may be eligible to sue the at-fault driver for additional pay and medical benefits.
This is possible if:
Considering that every car accident is unique, some of the following factors apply to your financial losses:
Our track record of successful verdicts speaks for itself. To get an idea of what your case could be worth, take a look at some of our past settlements:
Each accident case is unique, so schedule your initial free consultation today. Our personal injury attorneys can review the details of your case to give you an accurate estimate of the damages you can seek.
Dealing with insurance companies and the at-fault party can be complex. You can meet with one of our experienced car accident attorneys in an initial no-obligation consultation and find out what you can do to get a fair settlement for your injuries.
If you don’t have no-fault insurance and a passenger is injured during a car crash, you can still be covered by the PIP plan used by a family member. Our personal injury lawyers can help you understand your rights in various situations. We can explain what to do if a passenger is injured while you are driving or if there is property damage to a rental car.
We can help you file a no-fault benefits application and negotiate with your insurance company on your behalf. If needed, we can file a lawsuit against the negligent driver for financial compensation beyond your medical expenses and loss of wages.
If there is video or pictures from the accident scene, your lawyer can examine them to determine the extent of the damage. They can collect additional evidence to identify the at-fault party, including witness testimonies and surveillance footage.
Your lawyer can also review the police report to get a clearer picture of your accident. All this information provides evidence to support your insurance claim and negotiate an auto accident settlement.
Paying medical bills and repairing property damage to your car can add up. If you suffer severe injuries, you may have grounds to seek pain and suffering compensation. To be awarded restitution for pain and suffering, you need extensive medical records detailing your injuries and treatment to make your case.
Having a legal team backing you is essential to estimating the damages you are due for your financial and emotional hardships. To recover any damages, you must show the other party was at least 50% at fault for the accident. Our skilled auto accident lawyers at Cochran, Kroll & Associates, P.C. can represent you if the other party’s insurance adjuster fights your accident claim.
If your lawyer decides you have a valid legal claim, they can take you through the lawsuit process. This begins with filing a petition, exchanging information with the other party, negotiating a settlement, and possibly going to trial if needed. You can rely on your lawyer for their legal knowledge and guidance throughout the filing process.
If you or a family member has been involved in an auto accident with a negligent driver, you need a personal injury lawyer on your case. The law office of Cochran, Kroll & Associates, P.C. can help you receive your car accident compensation and guide you through the legal process.
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.
A young couple from Monroe, Michigan, was awarded a $15.8 million verdict as the result of their baby son, Jason, being inflicted with Cerebral Palsy as the result of an error during the final stages of a labor.
Oakland County, Michigan
While in the hospital a mother of three was not properly treated for a closed-head injury causing her untimely death.
A Livonia pedestrian recovered $1.4 million when he was struck by a commercial van resulting in a traumatic brain injury in Redford, Michigan.
Wayne County, Michigan
Patient suffered cardiac arrest and brain damage when a hospital failed to recognize internal bleeding and treatment was delayed for more than 14 hours.
Tuscola County, Michigan
A Tuscola County jury awarded $3.3 million to a severely brain injured motorist as the result of a defective Michigan highway.
A seventeen-year-old construction worker suffered a traumatic brain injury resulting from a fall in Flint, Michigan, and was awarded $1.25 million.
Wayne County, Michigan
Middle-aged woman suffered severe disfiguring facial burns from a simple surgical procedure.
Child developed cerebral palsy with developmental delays due to lack of oxygen and brain injury during labor and delivery.
A Westland construction worker recovered $1.5 million after sustaining a traumatic brain injury while on a construction site in Detroit, Michigan.
A Marlette, Michigan, family reached a $1.3 million settlement in the traffic death of their 5-year-old son when they were struck by a semi truck.
The misdiagnosis of breast cancer resulted in a Redford, Michigan, woman recovering $225,000.
A construction worker redeemed his worker’s compensation case for $125,000 in Detroit, Michigan.
A paraplegic woman from Monroe, Michigan, recovered Michigan no-fault benefits including the purchase of a new home and attendant care in excess of $400,000.
Brighton, Michigan; Detroit, Michigan
A Brighton family recovered $1.3 million and a Detroit family recovered $900,000 as the result of birth injuries and medical malpractice to their children.
Bay City, Michigan
A Bay City grandmother was awarded $80,000 following an auto accident resulting in a broken leg.