Auto Accidents

 

Nearly everyone who drives a vehicle on a regular basis has been or will be involved in a car accident at some time. Fortunately, many of these accidents don’t result in injury to the drivers or passengers involved. However, sometimes people do incur serious injury as a result of another driver’s carelessness or negligence. When such an injury occurs, it is important to retain an attorney who understands Michigan’s “no fault” system.

 

Michigan’s No Fault Insurance Law essentially establishes two general types of personal injury claims—1) personal injury protection (PIP) claims, which are filed with or against your own insurance company, and 2) “third-party claims”, which are filed against the party that caused the accident.

 

PIP claims are by far the most common type of claim filed for car accidents. PIP claims involve payment for the medical bills and related costs (including replacement services) for as long as there is a need (even if it is for the rest of the injured person’s life). PIP claims will also cover lost income for up to three years.

 

Third-party claims are filed against the party that caused the accident. Under Michigan law, in order to have a third-party claim, a person’s injury must involve death or permanent disfiguration, defined as a “serious impairment of a body function”. If the injury reaches this level, the injured party can sue for all their losses, including pain and suffering.