The attorneys at Giroux Amburn have been recovering millions of dollars for victims of car accidents since 1984.
Auto accidents are one of the most traumatic events you can experience. They can be caused by any number of circumstances from weather or auto defect to distracted driving or negligence.
No matter what kind of car accident you were involved in, there are 2 primary courses of action:
No-fault benefits (also known as first party benefits), are payable to anyone who suffers an injury arising out of the use, operation, maintenance or ownership of a motor vehicle.
No-fault benefits include:
Although your own insurance is generally first in line to pay in an accident, there are times when another person’s insurance company may be responsible in providing no-fault coverage. Incident facts can dictate who is responsible when the injured person is a passenger, pedestrian or motorcycle rider. In these circumstances, determining the party responsible for paying no-fault benefits can be complex. Hiring a qualified car accident attorney is your best chance at recovering the damages you are entitled to. Speak to an attorney today!
Third party claims are also called “pain and suffering” claims. A third party claim is filed against the person responsible for your injury. If your car accident was caused by someone else’s negligence, drunk driving, distracted driving or vehicle defect, you may be entitled to financial compensation for pain, suffering and scarring associated with the accident related injury. In some cases, you may be entitled to recover lost wages.
Third party claims usually include compensation for:
Your health insurance company covers your medical expenses if you don’t have auto insurance.
Michigan is a no fault state. In no fault states, you must look to your own insurance company for no fault benefits, regardless of who is at fault for the accident. No fault benefits include wage loss, payment of medical bills, and replacement services. Your insurance company may subrogate the claim by filing a claim against the other driver to recover the money paid out to you.
If you believe the accident was your fault, you should still consult an attorney, as there can be many causes for an accident. You should not admit fault for an accident until a full investigation has been conducted. Generally, your health insurance company will cover the cost of treatment for injuries sustained in the accident. Sometimes, you can then seek reimbursement from your car insurance company as part of the settlement.
If you are involved in an accident with an individual who doesn’t have insurance, you will likely have to collect from your own insurance company. Uninsured and underinsured motorist coverage may also help to supplement damages caused by a driver with no or low insurance coverage.
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