Under Michigan no-fault insurance you are entitled to receive PIP benefits (no-fault benefits) if you were injured in a motor vehicle accident. However obtaining these benefits from your insurance company may be challenging.
Hiring an experienced Harrison Twp. car accident lawyer is key when filing an auto insurance claim.
For starters, time is limited when pursuing your PIP benefits. You only have one year to make a claim. You insurance company won’t make you aware of these time limits. In fact, their job is to pay you as little as possible and the insurance adjusters will not be in your corner . But why navigate this on your own while you are still recovering from your accident?
At Thomas Garvey & McKenna, PLLC, our car accident lawyers can help you negotiate with your insurance company and prepare you for their response to your claim. We also look into all factors of your motor vehicle accident. For instance, Harrison Twp. police reports, drivers who might have been preoccupied ,violating state laws, or disregarding the weather or road conditions. Unlike the insurance companies, it is our number one goal to get you the compensation you deserve.
What Types of Auto Accident Claims are there?
Typically there are 2 different auto accident claims depending on who is fault at the accident. If you were at-fault for the accident you can apply for your PIP benefits from your own insurance company.
If the other driver was at fault for the accident and you have critical injuries, you can still file a no-fault claim with your insurance and you can file a separate claim with the at-fault driver’s insurance company. This type of claim is a third-party personal injury claim.
Let’s discuss both of these claims in more detail.
First-Party No-Fault Personal Injury Claims
Regardless of who was at fault for the accident you can apply for your Michigan no-fault policy benefits or PIP benefits. These benefits include wage loss, household services and medical expenses.
Wage loss can cover up to 85% of your pay for up to 3 years. Additionally, any medical bills from the accident are covered by your PIP benefits for life. And finally, your no-fault benefits will cover up to $20 a day in household services if you cannot perform daily tasks because of your injuries. For example, cleaning, laundry, or even transportation. These benefits can be quite a blessing if you are injured and unable to work or take care of yourself.
Third-Party Personal Injury Claims
If you are suffering from serious injuries because of the accident and the other motorist was responsible, we also work on cases against the at-fault driver’s insurance company. This is an independent claim from your own no-fault insurance provider. For these types of claims, the other driver must be at fault and your injuries must be substantial, such as permanent disfigurement.
Unlike economical benefits in a first-party claim, a third-party claim will cover non-economical damages such as pain and suffering. You could however go after excess wage loss because your no-fault claim will only cover 3 years of lost wages.
Why Hire a Harrison Twp. Car Accident Lawyer?
If you have any more questions about making a personal injury claim with your insurance company, contact Thomas Garvey & McKenna, PLLC to schedule a meeting with a Harrison Twp. car accident lawyer. We are here to accommodate you with evening and weekend appointments in addition to regular business hours.We even have a no fee if no recovery program, which means you will not pay anything unless we are able to obtain compensation for you.