Michigan No Fault Auto Insurance Claims
For over 35 years, the law firm of Thomas, Garvey, Garvey & Sciotti, PLLC, has been representing clients across the Detroit metro area who have been injured in an auto accident. Because Michigan is a "no fault" state, understanding how to secure compensation for your injuries can be confusing. Our attorneys have extensive experience helping clients obtain the compensation they need for health care expenses and lost wages.
First Party Claims
First party auto insurance claims seek benefits due under one's own insurance policy. It is important that you have a complete understanding of your rights. If you don't, your insurance company might neglect to inform you of them. In some cases, the insurance company may attempt to deny your benefits completely. Our attorneys will fight to see that you receive 100% of the benefits you are entitled to under your insurance policy and the law.
Under Michigan no fault auto insurance law, you are entitled to seek the following types of benefits:
For the life of the beneficiary:
- Medical care, including hospitalization, doctor visits, medication, rehabilitation and other expenses.
- Attendant care for those who are unable to provide for themselves due to their injuries. We have recovered millions for family provided care to seriously injured family members. Many times insurance companies hide or misrepresent the availability of these benefits from family members who provide care to seriously injured family members.
- The law says that family members are entitled to compensation equal to that paid to providers in the open market. Family members providing care should always insist on market rate for attendant care compensation
For three years from the time of injury:
- Reimbursement for lost wages that resulted from your injuries. Currently, reimbursement is paid at a rate of 85% of your gross wages.
- Replacement of services that you could previously perform, such as lawn care, cooking, cleaning and other responsibilities. There is currently a reimbursement limit of $20 per day.
Third Party Claims
People harmed in accidents can file civil claims for damages against another driver. In an effort to limit the number of lawsuits involving car accidents, Michigan law only allows third party claims for extremely serious injuries and under a few other circumstances. We have extensive experience in these cases and we know how to make a compelling argument for maximum compensation on your behalf.
Third party claims can be made in the following types of cases:
- Death of the victim
- Impairment of a bodily function
- Permanent disfigurement
- Serious Injury
Call for a Free Consultation
Contact our St. Clair Shores, Michigan, office today to discuss your auto insurance claim with a lawyer. We are available during regular business hours and by appointment evenings and weekends. You can reach us by phone at 586-779-7813, Toll Free 1-866-232-5775 or via e-mail.
