Frequently Asked Questions

Do I need a lawyer if the insurance company already offered a settlement?

Yes. Early settlement offers from insurers are almost always lower than what your case is worth. An attorney can evaluate the full scope of your injuries, including future medical costs and lost earning capacity, and negotiate a number that actually reflects your damages.

What if I was partially at fault for the accident?

Michigan’s modified comparative fault rule allows you to recover damages as long as your fault is below 50%. Your compensation will be reduced by your percentage of responsibility. So even if you were 30% at fault, you can still recover 70% of your total damages.

How much does it cost to hire a Canton personal injury lawyer?

At Cochran, Kroll & Associates, the initial consultation is free and we work on contingency. That means you pay no upfront fees, no hourly charges, and no cost at all unless we recover money for you.

Can I still file a claim if my accident happened months ago?

In most cases, yes. Michigan’s statute of limitations gives you three years from the date of injury for personal injury lawsuits. However, no-fault PIP claims must be filed within one year. The earlier you reach out, the easier it is to preserve evidence and build a strong case.

What should I bring to my first meeting with an injury attorney?

Bring any police reports, medical records, insurance correspondence, photos of the accident scene or your injuries, and a written timeline of what happened. If you do not have all of these, that is fine. We can help you gather what is needed.

How long does a personal injury case take in Michigan?

It depends on the complexity of the injuries and whether the case settles or goes to trial. Straightforward cases with clear liability may resolve in a few months. Cases involving disputed fault, severe injuries, or multiple parties can take a year or longer.

Will my case go to court or settle?

Most personal injury cases in Michigan settle before trial. That said, we prepare every case as if it will go to court. Insurance companies know which firms are willing to litigate, and that willingness often leads to better settlement offers.

What happens if the at-fault driver has no insurance?

Your own uninsured/underinsured motorist (UM/UIM) coverage may apply. Michigan law allows you to add this protection to your auto policy, and it can provide compensation when the at-fault driver cannot pay. We can review your policy to identify every available source of recovery.

Can I file a claim for a loved one who died in an accident?

Yes. Michigan’s wrongful death statute allows certain family members, typically the personal representative of the estate, to file a claim for funeral costs, lost financial support, and loss of companionship. The time limit is three years from the date of death.

Do I have to pay taxes on my injury settlement?

Generally, compensation for physical injuries is not taxable under federal law. However, portions of a settlement that cover punitive damages or lost wages may be subject to taxes. We recommend consulting a tax professional for your specific situation.