FREQUENTLY ASKED QUESTIONS (FAQS)

WHAT ARE THE MOST COMMON AUTO INJURIES?

Soft Tissue Injuries

Likely To Increase In Pain Until Properly Treated
Soft tissue injuries, which are defined as connective tissue damage to the muscles, ligaments, or tendons caused by a car accident, are the most common type of injury caused by car accidents. Whiplash is the stretching of head and neck muscles and ligaments in reaction to the sudden movement of a collision. Insurance companies are well-aware these type of injuries may not be evident until days/weeks after the accident. Therefore, do not be too quick to settle your claim.

WHAT CAN BE CLAIMED IN CAR INSURANCE?

Areas of Coverage Below

Take Time To Understand Your Policy
1. Bodily injury liability- It covers bodily injury claims of people who get injured in an accident.
2. Property damage liability- It covers property damages to third parties such as another person’s car.
3. Medical payments- This payment is done to the policy owner and other passengers in the policy owner’s car.
4. Uninsured and under insured motorist coverage. This coverage protects you when the negligent driver has no insurance or insufficient insurance.

HOW MUCH IS MY AUTO CLAIM WORTH?

No Crystal Ball To Determine

Expect 3.5x More Money With An Attorney
Without your injuries being properly evaluated by an accident doctor and a qualified personal injury lawyer licensed to practice in Michigan, it is difficult to answer this question with any accuracy. Variables not only include the injuries, but they also include the number of treatments necessary for recovery, was surgery involved, was the patient compliant with the treatment plan, as well as how experienced the lawyer was handling your case.

CAN I SUE IF I DO NOT HAVE CAR INSURANCE?

No

No Insurance, No Lawsuit
In Michigan, even if you were hit, you cannot sue the other driver for pain and suffering if you were driving your own vehicle at the time of the accident and you didn’t have insurance on that vehicle. The intent behind this law is to prevent people from having the financial benefit of the insurance system without paying into the system. It is true even if the other driver was 100% at fault.

INJURED AFTER AN ACCIDENT?

You Pay Nothing!

We Bill The Insurance Company
State law requires you to have no-fault automobile insurance. A no-fault policy covers all family members living in the household. Personal Injury
Protection (PIP) benefits will be paid even when a family member is a passenger in another person’s car or is a pedestrian when an accident takes place. No-fault insurance does not cover the damage to your vehicle. This is cover under a collision and comprehensive policy which is optional.

NO ACCIDENT REPORT YET?

We Can Still Treat You!

It Takes A Few Days For An Accident Report
Michigan law does not require you to file an accident report unless you are in a serious car accident. The report may contain information that will help you with an insurance claim and may state which person is at fault for the crash or what caused the collision.

DO I NEED INSURANCE TO BE TREATED?

Health Insurance, Auto Insurance or Both

We Bill The Insurance Company
Michigan is a no-fault insurance state, which simply means that parties involved in a car accident are entitled to benefits from their own auto insurance companies no matter who caused the accident. The victim’s health insurance company should pay first, then the auto insurance company follows afterwards by paying the remaining balance. However, you must still call the police when there is a serious accident, and an accident report will need to be made.

DO I NEED AN ATTORNEY?

99% Recommended

The Insurance Company Hopes You Settle
Did you know that the Supreme Court in this state has ruled that your own claims adjuster doesn’t have to share what you are legally entitled to with you? They can also ask you to sign a release right after your crash, basically asking you to sign away your rights to future No-Fault benefits and injury compensation. Not all law firms are alike. It is critical to hire a law firm with the resources, compassion and experience to successfully settle your case future.

Injured in an accident? Contact Love 313