We understand the difficulties that car accident victims face following a vehicle crash. We have seen first-hand the devastating injuries and damage that occurs after a serious auto accident. We have also seen victims have difficulty trying to receive the compensation that they need and deserve. In the state of Michigan, No-Fault law increases the complexity of auto insurance claims and recovering compensation for your injuries.
If you’ve been involved in an auto accident and don’t know what to do next, please complete our free and confidential contact form. Our Lansing car accident lawyers will look at your claim for no cost and let you know if our firm can help.
To help get the most compensation for your losses, it’s important to contact a Michigan car accident lawyer who has experience and track record of success litigating no-fault auto cases. David M. Clark and The Clark Law Office have over 30 years of experience handling auto accident cases in Michigan and have successfully won multiple million dollar verdicts for our auto accident clients at trial even though the insurance company provided little or no settlement offers at all.
Why Do I Need a Lawyer?
The after-effects of a car accident can leave you and/or your family with a large financial burden. Even with no-fault law, your insurance company will not always simply cover all of your medical expenses. Medical bills can add up quickly when not covered by your insurance and you can be crippled with financial responsibilities overnight.
In order to recover financial compensation for your medical expenses, wage loss, and pain/suffering, you must file a car accident lawsuit or multiple car accident lawsuits. Our experienced trial attorneys know the tactics auto insurance companies use to avoid paying what they owe you. We can help ensure you get full compensation and build the strength of your case by:
Securing All Police Reports and Accident Reports
Documenting and Reconstructing The Scene of The Accident
Collecting and Questioning Witnesses
Capturing Evidence (Photos) of Injuries, Damages, and The Accident Scene
Examining All Related Medical Documents
Hiring Expert Witnesses
Contacting and Dealing With Your Insurance Company
At The Clark Law Office, We devote the time and effort it takes to prepare each and every case we take as if it’s going to trial. Not only are we ready if it does, it gives us a lot of bargaining power when making negotiations with insurance companies. By doing this, we help you achieve a much more fair settlement for your injuries and losses. We are not afraid to take the case to court if your offer from the auto insurance company is too low; we are by nature trial attorneys and we will not back down to the insurance companies.
NO FEES UNLESS YOU WIN YOUR ACCIDENT CASE
For all vehicle accident cases, we charge absolutely no fees unless you win. Guaranteed. It’s that simple!
We can help you obtain full compensation or benefits from your insurance company and inform you if you can file an additional claim seeking further damages against the negligent driver.
No Fault Law in Michigan: What You Need To Know
Michigan uses a no-fault auto insurance system meaning that both drivers should be protected financially for what are called “first party benefits”. These no-fault benefits are covered by your own insurance company and include medical bills, medical mileage, attendant care, replacement services, and loss of wages. State minimum insurance levels, which are very common, may not provide enough protection if the injury is severe. Unfortunately, insurance companies are still reluctant to cover some individuals or for the required length of time needed for treatment of the injuries sustained even though they should clearly qualify. In many cases, the injured driver will not receive enough financial compensation from their own insurance company and these no fault benefits do not cover property damage, pain and suffering, or other forms of recovery.
How We Can Help
Depending on the negligence involved in your case and the seriousness of your injuries, we might be able to help you recover additional compensation which is not available through an insurance claim. Because we have fault no-fault law in Michigan, the auto accident victim must have died or incurred a serious impairment of an important bodily function. This injury threshold is essentially an injury that affects your ability to live a normal life. Once it is decided, that legal action should be taken against the negligent driver, we can help by:
After completing a full investigation into your car accident, we will create a legal claim that will seek additional recovery from the negligent driver responsible for your injuries. During the course of our investigation we will collect, analyze, and present evidence to increase the strength of your claim. The insurance company will also be investigating the accident and creating a case that will minimize the amount of money they owe you. We will negotiate with the insurance company on your behalf and will use the strength of your claim to get the best settlement possible. If a settlement cannot be agreed upon, we will take your case to trial in order to recover the most compensation for your case.
Types of Car Accident Claims in Michigan
Mini-Tort Claim – This type of claim is for physical damage to your own vehicle. The amount of recovery is based upon the percentage of negligence of the driver and the amount of damage sustained to the vehicle. The maximum reward for this claim is $1000.
No-Fault (1st Party) Lawsuit – This type of lawsuit is to recover what are referred to as first party or no-fault benefits. These benefits are paid for by your own insurance company and include medical expenses, medical mileage, attendant care, replacement services, and wage loss. The statute of limitations or time limit for this type of lawsuit is 1 year.
Pain and Suffering (3rd Party) Lawsuit – This type of lawsuit is to recover non-economic damages and additional economic damages from the negligent driver and his/her auto insurance policy. Only death and serious injuries will pass the injury threshold set in place by Michigan Law. The statute of limitations or time limit for this type of lawsuit is 3 years.
Michigan Car Accident Injuries and Compensation
No two car accidents are the same, so the seriousness of injuries will be different for every case. Many injuries resulting from vehicle accidents require extensive medical treatment and this also means large medical bills which can be nearly impossible to pay out of pocket. In many instances, the compensation will not be enough to fully cover the extent of the treatments and other costs of the injuries. Insurance companies will often deny you completely or take away your no fault benefits even though you clearly still require medical treatment. Here is a short list of some of the injuries we might try to collect financial recovery for:
Soft Tissue Injuries
Loss of Limbs
Most of the time, insurance companies are unwilling to pay out the benefits or compensation that your case deserves even though you pay for your auto insurance for years without needing it or using it. You must take these auto insurance companies head on to collect a fair settlement or verdict regardless of the situation. Here is a short outline of the damages that are recoverable for someone injured in a car accident in Michigan.
Michigan No-Fault Benefits : These are commonly referred to as first party benefits under Michigan No-Fault Law. These benefits usually include medical expenses, medical mileage, income or wage loss, replacement services, attendant care, home modifications, and vehicle modifications.
Pain and Suffering Expenses : These are commonly referred to as third party benefits under Michigan No-Fault Law. Some auto accidents carry more than simple no-fault benefits and economic losses. While hard to prove in Michigan given the extra “threshold”, you can still sue the negligent driver for certain non-economic losses.
Michigan Mini-Tort : This is a law intended to help drivers recoup some of the economic loss if their car is damaged. There are restrictions and a maximum recovery amount and it’s calculated based the percentage of fault of the driver(s).
Wrongful Death Damages : A surviving member of the family can file for wrongful death damages to obtain justice for their family member.
Social Security Disability : Many insurance companies would like for you to file for disability benefits following your injuries, but be careful here it can also damage your car accident lawsuit. Sometimes it’s the right choice, but make sure to speak with an attorney before making such an important decision.
We Have the Answers to Your Auto Related Legal Questions
Injuries resulting from an accident can have a lasting effect not only on your physical well-being, but also on your overall financial position. We will help ensure that you get fair compensation to pay for your all of your auto accident related expenses and ensure financial stability for you and your family now and into the future.
We understand that dealing with a serious injury is a very stressful time, but we can help alleviate your concerns and answer your questions.
What Should I Do Following the Accident?
How am I Going to Pay for an Attorney?
I’m Unable to Work, Who is Going to Pay for My Lost Wages?
How Will I Pay For My Medical Bills?
What About My Pain and Suffering?
How Am I Going To Drive With No Working Car?
What About The Other Fees and Costs Associated With a Personal Injury Lawsuit?
Uninsured and Under-Insured Defendants
For many accident victims, there is a very good chance that the other driver(s) involved won’t have any insurance or will not enough insurance to cover his/her financial responsibilities. The state of Michigan allows the purchase of additional coverage including uninsured motorist coverage and underinsured motorist coverage. The type of coverage much be purchased in addition to your no-fault auto insurance policy. If you do not have UM and UIM and are injured by a negligent driver without enough insurance you may be stuck with no way to recover additional financial compensation. Any policy in Michigan without uninsured and underinsured coverage is simply not adequate enough to fully protect yourself and your family.
Types of Auto Accident Cases We Handle
The Clark Law Office has the expertise, resources, and knowledge that is necessary when taking on large insurance companies in court. We have gotten multiple million dollar verdicts for our clients and we deal with insurance companies on a daily basis. Insurance laws in Michigan can be hard to follow and outright confusing at times. Don’t let your insurance company take advantage of you and get an unfair result. You may think that they have your best interests in heart, but they also trying to run a profitable business at your expense.
Multiple Vehicle Accidents
Contact Our Car Accident Lawyers. No Fee Unless You Win!
You can trust our attorneys to work hard for you and recover the most compensation to help you and your family move on from a difficult time. As with all our personal injury cases, we will charge you no attorney fees unless you win your case. Call us today at 517-347-6900 or fill out our online contact form for a completely free consultation and get to know us better!