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What Do You Do If You’re Injured in a Michigan Car Accident? Who Pays?
If you are injured in a car accident in Michigan, you need to take the proper legal steps in order to have your medical bills paid and to receive benefits and compensation.
Kajy Law specializes in helping people who were injured in a Michigan auto accident. We know what the laws are and understand how insurance companies work.
Find out what to do if you’re injured in a Michigan car accident.
The First Steps to Take After a Michigan Car Accident
Before you have to worry about who pays after a Michigan auto accident, it’s important to do things according to Michigan law and that are for your own safety.
After the Michigan car accident, alert the police and wait at the scene for them to arrive. If your injuries don’t prevent you from doing so, check to see if the other driver is injured and if they need help. Get their driver’s license information and insurance details without admitting fault.
Obtain as much documentation as possible. You can do this by taking photos of the scene, the cars involved, any injuries sustained by you and your passengers, as well as getting eye-witness accounts of what happened.
When the police officer arrives, answer their questions and share any important information that they should know to help them with their police report.
Get the Medical Attention You Need
Even though you may still have questions about who pays the bills from a car accident, your first priority should be your health and the health of those in your vehicle. That means you should seek medical attention immediately. Make sure to mention any injuries or symptoms to first responders and medical staff.
It’s important to receive medical treatment even if you don’t feel much pain. The reason for this is because of how the body works: car accidents can cause injury and trauma to your body that you do not detect right away.
Body chemicals like adrenaline from the accident can also mask the pain you would normally feel after being hurt. So waiting for treatment can prevent your body from healing properly under the guidance of medical experts, resulting in injuries that are more severe and/or more permanent.
Your Auto Insurance Pays Medical Bills in Michigan
If you were injured from a car accident in Michigan, your medical bills aren’t normally paid by the other driver’s insurance. Instead, your own auto insurance is supposed to pay your medical bills from the accident.
The reason for this is because Michigan is a no-fault state. No-fault states endeavor to simplify the billing process for medical expenses related to car accidents.
This means a no-fault state requires the insurance company of the driver to cover their own injuries, rather than the other party’s insurance. So instead of having to wait while two insurance companies debate who should pay, a Michigan car accident victim can receive immediate care and have their own auto insurance policy pay their medical bills.
The part of your Michigan auto insurance policy that pays your medical bills from an accident is known as Personal Injury Protection, or PIP. Along with paying medical bills, PIP also pays up to 85% of any lost income and expenses that are the result of the accident for up to three years.
So if you were injured from a car accident in Michigan and can no longer work, your own auto insurance is supposed to provide payment for medical bills from the accident and compensation for financial losses, along with any necessary services you require because of being injured.
If neither you nor anyone in your household has auto insurance, the state of Michigan has set up a safety net for those in need of PIP benefits but who don’t have auto insurance. This is known as the Michigan Assigned Claims Plan, or MACP.
Apply for Michigan No-Fault Benefits
A car accident victim must apply for their no-fault benefits from their own car insurance company within a certain period of time. In Michigan, the law requires this to take place within one year from the date of the Michigan car accident.
However, no-fault benefits are frequently cut short or even denied by insurance companies. This often takes place even though the Michigan car accident victim is still in need of medical treatment or is in the process of receiving medical care.
Hiring an attorney who has experience with the Michigan legal system is essential to get the treatment you need, to get all of your bills paid, and to receive the settlement you deserve from your car accident injuries.
Get Legal Help From Our Michigan Accident Lawyers
It’s easy to feel confused or overwhelmed when dealing with injuries from a car accident in Michigan. Insurance companies often look for their own interests by denying benefits or use other tactics to escape financial liability.
Kajy Law has helped thousands of Michigan residents get all of their bills paid and maximize their settlement from Michigan auto accident injuries.
Proven Results From Our Michigan Car Accident Attorneys
Our car accident team wins millions of dollars every year for our clients who have been involved in Michigan car accidents. We’re ready to get started on your case and maximize your settlement. Contact us today to get started.