Do you know if you’re getting a fair deal on your car accident settlement? Before you accept what your insurance company offers, contact the Waverly car accident lawyers at White Law PLLC. You could leave money on the table that you deserve.
Even in no-fault states like Michigan, insurance companies can find ways to reduce the amount of compensation you should get. With our help, you can maximize your compensation and, if necessary, sue the other driver’s insurance if your injuries qualify.
Michigan’s PIP Limits
Until 2020, the default limit for Michigan’s auto insurance policies for personal injury protection (PIP) was unlimited as long as the care was reasonably necessary. Now Michigan drivers have more options for cheaper insurance rates, but they come with significant disadvantages.
Now drivers can drop their limits to at least $250,000 without penalty, and even lower if they have qualifying health coverage. But by dropping the policy limit, you open yourself up to more financial harm if your injuries are catastrophic.
However, if your injury costs exceed the amount of your auto insurance coverage, you may sue the other driver to pay for your excess medical expenses. You can learn all your legal options for compensation by hiring a car accident attorney in Waverly, MI, to examine your case.
Waverly Car Accident Lawyer Near Me (517) 316-1195
Why Use a Waverly Car Accident Attorney?
You are not required to use an auto accident attorney in a no-fault state, but you are at a disadvantage if you don’t. Even with Michigan’s unlimited coverage option, you can only get paid for what you can prove. If your injuries worsen or need longer care than you expect, you cannot get more money if you’ve already taken a settlement.
By working with a car wreck lawyer, you can create a much more comprehensive case to send to your insurer for compensation. White Law PLLC has helped accident victims get over $1 billion in compensation. We know what tests and evidence the insurers need to listen to your genuine needs.
Also, in cases of severe or permanent injury, you can go beyond your PIP insurance and sue the other driver in a third-party liability lawsuit with the help of a lawyer. This will also give you access to compensation for non-economic damages like pain and suffering.
For a free legal consultation with a car accidents lawyer serving Waverly, call (517) 316-1195
What Happens if I Share Responsibility for My Accident?
In no-fault states like Michigan, it does not matter if you share responsibility for your accident. You can still get paid for your damages. However, it does matter if you are injured severely enough to allow a lawsuit.
If so, the courts, or negotiation between your car accident attorney and the insurers, will decide how much fault lies with each party. You can receive compensation if your fault is less than 51%. If it is above, you are denied further compensation from the court. This is called modified comparative negligence.
The person who receives compensation will have their amount reduced by their percentage of fault. If you receive $100,000 from the court but were 20% at fault, you will receive $80,000. A car accident lawyer in Waverly, MI, can help defend you against accusations of fault to lower your liability percentage as low as possible.
What Damages Will My No-Fault Insurance Cover?
PIP coverage takes care of your medical expenses, 85% of your lost wages, in-home nursing services, and services to help you take care of your home (replacement services). There are other required coverages in Michigan’s minimum insurance to handle liability claims from other parties for personal injury and property damage.
Basic PIP insurance does not cover damage to your own vehicle, uninsured/underinsured coverage, limited property damage coverage, gap coverage, or accidental death coverage. Speak with your insurance provider about these options to get more protection.
You also cannot get non-economic damages through your PIP coverage. For those, you need to have a qualifying injury, not have responsibility for the accident, and make a claim against the at-fault driver’s insurance. Our car accident attorneys can help you.
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When Should I Contact a Car Accident Lawyer?
You should contact a Waverly car accident lawyer after you’ve seen a doctor for an examination. This should be done as soon as possible after your accident. Once you’ve had a confirmed diagnosis of an injury, call a car accident lawyer for advice on how to make your claim.
If you were taken to the hospital and they have not released you, you can still call a lawyer while you’re still there. In the unfortunate event of a death, a loved one can call us about the details of filing a wrongful death claim.
Under Michigan law, you have three years from the day of your accident to sue before the statute of limitations bars you from recovery. The sooner you begin your case, the more time your lawyer will have to strengthen your case and negotiate a settlement.
Over 30,000 Clients Served
Fighting for our clients is our highest priority. With over 60 years of experience, 30,000+ clients, and over $1 billion in results for them, White Law PLLC is the law firm you need for your car accident in Waverly.
To schedule a consultation with one of our Waverly car accident attorneys, contact us. Your consultation is free and without obligation. Working with a car accident lawyer can get you the compensation you would not get otherwise. Find out how we can help you move past your accident and save your financial future.