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Car Accidents

motorcycle accident attorneyYOU'VE BEEN IN AN ACCIDENT.

There are many benefits you may be entitled to under Michigan's no-fault law, but obtaining them can be complicated. Call Attorney Willoughby for a free consultation at 1-866-821-6060.

I've been injured in an automobile accident. What do I need to know, and how can you help me?
If you've been seriously injured in an automobile accident, as either a passenger or a driver, you may be entitled to no-fault benefits. Receiving these benefits does not depend on who was at fault for the accident, but you will not receive benefits if you occupy and own an uninsured vehicle involved in the accident. If no-fault benefits are available, the circumstances of your accident will determine which insurance company is responsible for paying benefits. Attorney Willoughby can help you with obtaining the benefits you deserve.

What are the no-fault benefits I may be entitled to?
No-fault benefits you may be entitled to include:
1. Lost Wages: As much as three years of 85% of your gross wage up to a maximum of approximately $5000 per month.
2. Medical Expenses: These are expenses related to the accident which can include ambulance costs, hospital and doctor costs, physical therapy, tests and more. These are payable for life.
3. Replacement Services: These are tasks that someone has to perform for you because of the accident. These are usually domestic chores like cleaning, cooking, yard work, and childcare. The most that will be paid for these tasks is $20 per day for up to 3 years from the date of the accident.
4. Attendant Care: This is payment for special care that needs to be provided to you because of the accident. It can include care provided by a friend, family member, aide or nurse. This type of care can include help with activities of daily living such as showering, dressing, using the toilet, safety supervision and taking medicine. Family members can be paid for performing this type of care.
Click here for a more detailed discussion of no-fault benefits.

Who pays the no-fault benefits in an automobile accident?
If you are injured in an automobile accident, the order of priority for the payment of no-fault benefits is as follows:
a. Your own automobile insurance company
b. The automobile insurance company of a relative that lives with you.
c. The automobile insurance company that insures the car you were in.
d. The automobile insurance company that insures the driver of the car you were in.
e. If there is no source of insurance above, then the Assigned Claims Facility will have an insurance company handle your claim.

How do I make a claim for no-fault benefits?
Call the appropriate insurance company and obtain and fill out an Application for Benefits form and send it to the insurance company claims office as soon as possible. You must do this within one year of the automobile accident. Furthermore, each expense claimed must be submitted to the insurance company within one year of the date it was incurred. If the expense has not been paid by one year from the date it was incurred, a lawsuit must be started in order to avoid losing the claim.

Aside from my no-fault benefits, can I recover additional compensation for my injuries from the other driver?
If someone else was at fault for the car accident and your injuries were serious, you may be able to recover money for those injuries from the person at fault or their insurance company. You may be able to be compensated for your pain and suffering, loss of enjoyment of recreational activities, inability to do activities of daily living, and injury to family relationships. You may also be able to recover additional lost wages over and above those recovered in your claim for no-fault benefits. Attorney Willoughby can assist you with recovering the compensation you deserve.

What if the person at fault for the accident had no insurance or was a hit-and-run driver?
If you have uninsured motorist coverage, you can turn to your own automobile policy for compensation for your injuries in these situations. Attorney Willoughby can help you with determining if such coverage is available to you and in making a claim for that coverage.

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