5 Claims to File After Your Michigan Auto Accident

by | Oct 10, 2017 | Car Accidents | 0 comments

Auto accident claims in Michigan depend on various factors including:

  • The extent of the damage.
  • Whether drivers have insurance and how much coverage.
  • Who is found responsible for the accident.

Many people struggle to determine what claims to pursue after a car accident. It ultimately comes down to the details of the crash and being aware of all available claim options.  Read into these five claims to file after your Michigan auto accident to determine which is best for you.

First-Party Claim

A first-party claim, also known as no-fault insurance, is the most common auto accident claim in Michigan. It aims to recover financial costs, including medical expenses, home modification expenses, wage loss, and transportation expenses incurred in the accident. The person involved in the auto accident files a claim against his own insurance company to recover these costs.

Uninsured Motorist Claim

Uninsured motorist claims are those filed against negligent drivers who lack auto insurance. It is important to know that to win this claim a person’s auto insurance must contain this policy. A car accident victim should first check to see if their plan covers this claim to avoid an unnecessary dilemma.

Property Damage Claim

A property damage claim is meant to recover any damages to a car and other properties during an accident. The amount a person can secure by filing this claim varies depending on numerous factors, including the type of collision coverage included in his auto insurance policy. Persons without collision coverage can use the Michigan Mini-Tort Law to recover damages.

Third-Party Claim

Also known as personal injury damages, third-party claims are meant to recover damages for injuries sustained because of an accident. Unlike the first party claim, which is easy to win, this claim is difficult to win because of the high threshold set for the body to be deemed injured. For a person to get a favorable judgment on this claim, the injuries must be severe enough to prevent the person from living a regular life by causing debilitating conditions such as permanent disfigurement and scarring. The families of those who die in auto accidents can file this claim too.

Underinsured Motorist Claim

When the negligent driver responsible for the accident has limited insurance coverage that does not cover your damages, you should pursue an underinsured motorist claim. This type of claim is similar to the uninsured motorist claim in all other aspects. You should also confirm that this policy is included in your own coverage before pursuing this claim.

It is advisable for you to inform your insurance agent of the accident immediately after it occurs. Amassing evidence of the crash, including eyewitness accounts and photos of the accident scene, helps build a strong case with a surety of compensation. A car accident attorney with Michigan Legal Center can further that effort. Contact us today for a free case evaluation.

Detroit, MI – Man Fatally Hit by Motor Vehicle on I-95 near I-75

Detroit, MI (June 1, 2023) - A Woodhaven man was killed after being hit by a car in Detroit on Tuesday, May 30.  At around 10:05 p.m., emergency responders were dispatched to the scene on Interstate 95 near Interstate 75. A 40-year-old motorist had reportedly run...

Inland Twp, MI – Woman on Bike Killed in Crash at Fewins & Lake Ann Rd

Inland Twp, MI (June 1, 2023) - A woman from Interlochen was killed after being hit while riding a bicycle in Inland Township on Saturday, May 27.  The fatal crash occurred early that morning at the intersection of Fewins and Lake Ann Roads at around 1:30 a.m....

Georgetown Twp, MI – Two Motorcyclists Ejected in Crash at Port Sheldon St & Chicago Dr

Georgetown Twp, MI (June 1, 2023) - Two motorcycle riders were hurt after an accident on Tuesday, May 30, in the area of Georgetown Township.  At around 1:02 p.m., it was reported that a motorcycle had crashed on Port Sheldon Street near Chicago Drive. A...

Banks Twp, MI – One Killed, Another Hurt in Head-On Crash at US-81 & Old Dixie Hwy

Banks Twp, MI (June 1, 2023) - A crash involving two pickup trucks in Banks Township left one person dead and another injured on Wednesday, May 31.  The deadly accident took place on US-81 near Old Dixie Highway at around 2:15 p.m. It was reported that a 2020...

Grand Rapids, MI – Several Hurt in Car Accident at Curwood Ave & Langley St

Grand Rapids, MI (June 1, 2023) - There were several confirmed injuries resulting from a car crash in Grand Rapids on Friday morning, May 26, and the victims included two children.  The crash occurred at around 9:30 at the corner of Curwood Avenue and Langley...

Dearborn, MI – Injuries Reported in Rollover Crash at Michigan Ave & Greenfield Rd

Dearborn, MI (June 1, 2023) - On Wednesday, May 31, a pileup crash in Dearborn left at least one person with injuries.  At around 6 a.m., the accident took place at the corner of Michigan Avenue and Greenfield Road. It was reported that at least one vehicle and an SUV...

Dundee, MI – Four Injured in Crash Involving Wrong-Way Driver on US-23

Dundee, MI (June 1, 2023) - A multi-vehicle crash involving a wrong-way driver left several people injured in Dundee on Tuesday, May 30.  The accident occurred that morning at around 8 a.m. on US-23. A 38-year-old driver from Plymouth was traveling in the wrong...

Lansing, MI – Driver Hurt in Crash with Semi-Trailer at I-69 & Vermontville Hwy

Lansing, MI (June 1, 2023) - On Tuesday, May 30, a driver was injured after a collision involving a semi-trailer in Lansing.  The accident was reported on Interstate 69 NB near Vermontville Highway at around 4:08 p.m. A gold SUV was traveling southbound when it...

Walker, MI – Motorcyclist Seriously Hurt in Collision at Alpine Ave & Hillside Dr

Walker, MI (May 31, 2023) - A motorcyclist suffered serious injuries after being involved in an accident with another vehicle in Walker on Tuesday night, May 30.  The crash occurred at the intersection of Alpine Avenue and Hillside Drive at around 5 p.m. It was...

Grand Rapids, MI – Two Hurt in Crash with Wrong-Way Driver at US-131 & Hall St

Grand Rapids, MI (May 31, 2023) - On Saturday, May 27, a crash involving a wrong-way driver and a police cruiser in Grand Rapids resulted in confirmed injuries.  The accident was reported at around 11 p.m. on US-131 near Hall Street. A state trooper witnessed a...