When you are the victim of a car accident, you should not have to struggle when trying to get your compensation. If the other driver caused your accident, receiving your reimbursement should be as easy as filing with their insurance company and being approved. However, there are many excuses that insurance companies may use to avoid paying what you deserve.
When you want to receive payment with as few problems as possible, contact a Warren car accident lawyer from White Law PLLC. Learn more about how our car accident lawyers can protect you from insurance adjusters.
Michigan Is a No-Fault State
Regarding compensation from insurance policies, Michigan is a no-fault state. That means you can use your insurance coverage to cover the costs of your medical bills and lost income.
You should be able to receive up to the amount of the policy limit for coverage of your injuries. All you need to do is file a claim with your insurance company, and your coverage should be in effect once approved.
However, keep in mind that these companies are businesses that are interested in reducing what they pay. They may use the policy’s limits to reduce what you receive. They may argue that what you are requesting for compensation is higher than what other victims demand.
Warren Car Accident Lawyer Near Me (517) 316-1195
How Fault Plays a Role in Michigan Car Accidents
You may be thinking, “What is the point of seeking compensation from the other driver if my insurance coverage will cover it?” There are limits to the type of damages that your insurance policy covers. For example, your injury protection (PIP) may cover damages related to your medical bills and lost income. It may not cover your damages for pain and suffering.
In addition to the limited coverage for damages, what if your accident involves multiple drivers? What if they do not want to take responsibility for the accident? This is why fault still matters in car accidents and why you should sue the at-fault driver for compensation. You would be able to receive compensation for damages like pain and suffering. Your car accident lawyer could also determine who the at-fault driver is in your accident.
Car Accidents with Multiple Parties
If your car accident involves more than one driver, proving fault can be difficult. Your compensation could be reduced because of the state’s comparative fault rule. Comparative fault is a legal standard that affects the balance each injured party can receive based on their fault.
For example, you were involved in an accident with four drivers. If your percentage of fault is discovered to be 40%, your compensation will be reduced by 40%. That is another reason why fault still matters in your car accident. Insurance adjusters will try to use the comparative rule to reduce your compensation as much as possible.
For a free legal consultation with a car accidents lawyer serving Warren, call (517) 316-1195
Types of Accident Coverage Available in Warren, MI
Drivers carry other forms of coverage that can cover your damages. Some common insurance policies include:
- Collision coverage: This insurance policy helps cover the costs of damages caused by a collision with another car.
- Uninsured motorist coverage: This insurance policy provides coverage for drivers who an uninsured driver hits. This coverage is crucial if a drunk driver has hurt you.
- Comprehensive coverage: This insurance policy helps cover the costs of property damage to the driver’s car. This coverage is beneficial if the driver’s car is damaged from something other than a car accident.
Your insurance carrier can provide coverage for each type of damage you can experience.
How a Car Accident Lawyer in Warren, MI, Can Help
Whether you file an insurance claim with your insurance company or the other driver, both adjusters want the same thing. They only care about the company’s best interest, not yours. You want to make sure that your compensation is as guaranteed as possible. You do not want the objectives of the insurance adjusters to determine the compensation you deserve.
Your car accident lawyer can examine your claim and help you hold the insurance adjusters accountable. Even when insurance adjusters offer you a car accident settlement, watch out. They will offer you the lowest settlement amount possible. Car accident lawyers can help you maximize the compensation you deserve for your accident.
Collecting Important Evidence
If you were unable to collect evidence at the crash scene because of your injuries, a Warren car accident attorney can do this for you. The team at White Law PLLC will secure photos and videos of the crash (if possible), the vehicles involved, and the damage, and speak with witnesses to obtain statements. While your injuries might be enough to prove fault in the crash, a picture or video of the accident can make your claim much easier to prove.
Reviewing Your Insurance Claim
Your car accident lawyer in Warren, MI, can help review your insurance claim and ensure that nothing is missing before submitting it. Even after you have received a denial for your claim, your lawyer can review your claim and the company’s reason for your denial. Your attorney can then decide the best strategy for your claim.
Proving the Other Driver’s Liability
The best way to prove the other driver’s liability is by reviewing all of the information pertinent to the crash. Your car accident lawyer can gain access to different types of evidence related to your accident. This information includes documentation like police report copies and visual evidence like photos of the accident scene.
If you wanted to file a personal injury claim against the other driver, you could use this evidence. The more you can prove the other driver’s negligence, the more insurance adjusters may be willing to meet your demands.
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Contact a Car Accident Attorney in Warren, MI, from White Law PLLC Today
Injured in a car accident? A Warren car accident lawyer from White Law PLLC, will fight to ensure your right to compensation is protected. Contact us online to schedule your free case evaluation.
Our car accident attorneys understand the impact caused by a crash and will fight vehemently to protect you.