Michigan Third-Party Claim for Car Accidents
If you were involved in a car accident in Michigan, you could file two kinds of automobile accident claims: a first party claim and a third-party claim. A first-party claim covers payment for medical expenses, lost wages, and replacement services. A third-party claim, on the other hand, covers pain and suffering, as well as other non-economic benefits. These two claims are separate and distinct from each other. The No-Fault Act of Michigan on which this is based may seem confusing, so here is a brief guide on third-party claims.
What is a Third-Party Claim?
A person who was injured in a car accident may file a third-party claim against the driver at fault. Under this claim, you may seek compensation for pain, suffering, and other non-economic losses. In contrast to a first party claim, which is based on contract, a third-party claim is based on tort law. Thus, it is considered a personal injury negligence case. In these cases, the at-fault driver is usually represented by his insurance company. In particular, a third-party claim allows you to collect damages for: