Winston & Damman Blog

Understanding the Three Parts of Your Thumb Car Accident Claim

Unlike many other states, a Michigan car accident can leave you to file three claims.

With each of these claims comes even more confusion and uncertainty. Many people wonder if they are getting the full amount they are entitled to. Sometimes, people wonder if they are filing a claim unnecessarily. In some cases, car accident victims are unaware that they have an insurance policy that can provide them with the compensation they need to cover the full cost of the accident.

With so much confusion added to an already difficult situation, it is important to take each claim one at a time. Here are the three claims that may arise for you out of your accident.

  • No-Fault Claim: Michigan is a no-fault state. This is supposed to be user-friendly, offering you straightforward benefits without hassle. Under this claim, you are supposed to receive wage loss reimbursement, coverage for medical expenses, and anything needed to ease your care and recovery—all paid for by your own insurance carrier. Unfortunately, this rarely works out in as friendly of a way as it was designed to, and many times the insurance company denies the whole claim, or a portion of the claim.
  • Bodily Injury Claim: This claim is meant to cover serious injuries. In Michigan, you must suffer serious impairment or a serious permanent disfigurement to make this type of claim.
  • Underinsured Motorist Benefits: Many people do not realize that they have this option. Uninsured motorist insurance covers you if someone that does not have insurance strikes you. This is intended to cover the full cost of the damages caused in your accident.

Understanding the various claims and what you are entitled to can be overwhelming. Call a Blue Water area car accident lawyer from Winston & Damman to get the answers and guidance you need. Even if you do not need legal representation, we are happy to work with you to help you understand your car accident and get the best results possible.