If you suffered serious injuries in a car crash, and that collision was caused by another driver, having an attorney on your side can help to protect your interests while you are recovering. At Jay Trucks and Associates, we have over 30 years of experience advocating for injured victims. Our proven record of success includes a $1,000,000 recovery for the family of a victim that was fatally injured when a car ran a stop sign and a $2,000,000 recovery for a crash victim that suffered a traumatic brain injury.
… I am very satisfied with the outcome of my case and really appreciate all of the hard work that was put into my case as well.
– T. Kline
Our lawyers are familiar with the strategies that insurance companies use to try and reduce the value of car accident claims. If we represent you, we will fight for maximum compensation on your behalf.
If you were injured in a car crash caused by another’s negligence, we recommend that you contact one of our Flint car accident lawyers to discuss your legal options. If you have a case and choose to hire us, there are no upfront fees or costs for our services unless we first recover compensation on your behalf.
Free Consultation: (800) 762-8623
How Do I Know If I Am Eligible To Recover Damages?
It can be difficult to determine liability without knowing more about your specific accident. To help us learn more about how you were injured, we offer a free consultation with a lawyer on our legal team. During this no-obligation meeting, we are prepared to discuss the details of the crash, answer your questions and discuss your legal options.
Some of the details we need to help us determine whether you may have a potential claim include:
- The extent of your injuries
- Medical records related to your accident
- Witness statements and contact details
- Your description of the accident
- Photos of the accident scene
- Photos of vehicle damage
- Pictures of your injuries
- Camera footage, if available
Complete our Free Case Evaluation form.
What Is My Car Accident Case Worth?
Every case is different and assigning an accurate value to your potential case cannot be done without reviewing the unique circumstances that resulted in your accident and injuries. However, if you have a case, these are some of the details we are prepared to investigate to help calculate your damages:
- Did you lose wages due to missed work?
- Were you the vehicle owner, or the operator or passenger in another’s car?
- What are your policy coverages and limits?
- Were you or other vehicle occupants severely injured?
- Did you sustain other non-economic damages, such as pain and suffering?
Our knowledgeable Flint car accident lawyers at Jay Trucks and Associates have decades of experience calculating Michigan car accident claims and negotiating settlements for our clients. We are dedicated to aggressively pursuing maximum compensation for you if we determine your case has merit.
Advantages of Having Legal Representation
No lawyer can guarantee a specific outcome. However, we have a proven and successful track record that spans 30 years. We want you to know that your claim is in good hands so you can focus on your recovery. We are dedicated to protecting your best interests throughout the legal process, which could include:
- Thoroughly investigating the accident scene
- Obtaining camera footage, if available
- Getting statements from potential eyewitnesses
- Negotiating with the insurance companies for fair compensation
- Examining your medical records and consulting with medical experts to obtain your estimated recovery time and long-term prognosis
- Utilizing technology and industry experts as needed to determine the cause of the crash
Victims who were injured in a car accident and pursue a claim with an attorney often recover higher compensation for sustained damages than others who try to handle their claim alone.
Read the testimonials of other satisfied clients who used our services, including a client who said, “I couldn’t have imagined going through this with anyone else or alone.”
No Upfront Fees. Ph: (800) 762-8623
Understanding No-Fault Car Insurance in Michigan
Under Michigan’s no-fault insurance system, you will likely pursue compensation for damages sustained in a car crash through a claim with your own insurance policy, regardless of who may have caused the accident.
Motor vehicle operators in Michigan will be denied the ability to get a vehicle license plate if they cannot provide proof of insurance. Additionally, those who drive an uninsured vehicle or loan an uninsured car to another driver may be assessed heavy financial penalties and even some jail time.
All Michigan drivers should be aware of the new No-Fault Auto Insurance Reform Bill law that is effective starting July 1, 2020. Under this new law, drivers will see significant changes to their liability limits and PIP coverage options.
Michigan’s No-fault insurance system contains three parts:
Personal Injury Protection (PIP)
If you file a claim prior to July 1, 2020, PIP will still pay for:
- All reasonable medical costs related to your accident with no maximum limits, regardless of who caused the crash
- Up to 85 percent of your lost wages if you were unable to work while recovering
- An additional compensation of up to $20 per day if your injuries prevent you from being able to perform daily tasks, such as cleaning the house or mowing the lawn
When the new insurance law is implemented on July 1, 2020, drivers will be able to choose the level of PIP coverage that best suits their needs and their budget. Motorists can elect PIP benefits to provide one of the following coverage options:
- PIP benefits with unlimited coverage
- $500,000, $250,000 or $50,000 – for those enrolled in Medicaid
- Fully opt out of coverage – only an option if the motorist has a qualifying health insurance plan
It is important to understand your no-fault insurance benefits. For example, if you plan to file a no-fault insurance claim after sustaining damages that resulted in medical bills, you must file a claim no later than one year from the date your accident or expense occurred. If you miss that deadline, or statute of limitations, you may lose the option to pursue recovery for those damages.
Property Protection Insurance (PPI)
PPI provides up to $1 million in compensation, but it only covers property damage you caused with your vehicle within Michigan state, including:
- A car that is legally parked
- Property belonging to a Michigan resident
- Any in-state residential or community property you may damage with your car, including fences, light poles, trash cans, fences, buildings and more
PPI is not intended to compensate for damages you may do to any other types of property, such as if your vehicle damages another in a car accident.
Bodily Injury and Property Damage
If you are assigned liability for a car crash, this is the portion of your required coverage that pays for the damages you caused, up to the limits of your policy. The current coverage limits mandated by Michigan state law is $20,000 for one person in a single accident or a total of $40,000 if more than one occupant was injured in an accident. The minimum for property damage coverage is $10,000 for a single accident.
However, after July 1, 2020, liability limits will increase significantly:
- The per person minimum bodily injury coverage goes up to $250,000 (originally $20,000)
- The per accident bodily injury coverage also goes up to $500,000 (originally $40,000)
If you are confused by the new insurance laws and how they may apply to your accident, you are not alone. Our experienced lawyers are well-versed in Michigan auto insurance laws, and we are prepared to answer your legal questions.
What if the Other Driver Does Not Have Enough Coverage?
If the other driver has no insurance or not enough coverage to pay for your damages, you may still be able to file a claim if you have purchased the optional uninsured/underinsured (UM/UIM) car insurance. Although you may increase the limits at any time, the minimum UM/UIM recommended limits are:
- $20,000 for one individual in a single car accident
- $40,000 for a single crash if there are multiple occupants
Michigan’s requirements for qualifying for this type of claim are confusing, which is why it can be beneficial to have a knowledgeable lawyer on your side to handle the process for you.
Our Flint car accident lawyers welcome the opportunity to assist you and review the unique circumstances of your claim to determine what insurance coverages may apply in your situation.
Free consultation: Ph: (800) 762-8623
Communicating With Insurance Companies
Insurance companies often call injured victims shortly after an accident. This approach, while it seems like a genuine attempt to help, is actually a tactic used to catch vulnerable accident victims off-guard, while they are still in a state of recovery.
It is important to remember that no matter how friendly the insurance adjuster is on the phone, ultimately, it is his or her job to find ways to devalue your claim and reduce the amount of payout as much as possible. Some methods an adjuster may use to reduce the value of your accident claim include:
- Coerce you into providing a recorded statement by telling you it is required to process your claim
- Tempting you a quick, lowball settlement offer that they know is less than the value of your claim
- Using innocent phrases, such as, “I am fine” to discredit your statement about your injuries
- Tricking you into admitting some degree of fault by asking similar questions multiple times
At Jay Trucks and Associates, if you have a case and we represent you, we are prepared to handle all communications with the insurance company to help protect the value of your potential claim.
Filing a Lawsuit After Being in a Car Accident
Michigan’s no-fault insurance system works in such a way that an accident victim will not be able to file a lawsuit except under the following conditions:
- The victim sustained serious, life-altering injuries or the accident resulted in the victim’s death
- The at-fault motorist was from out-of-state and was also driving an out-of-state vehicle
- The victim was involved in a car crash outside of Michigan state
- If you are assigned 50 percent or more liability in an accident that causes damage to another driver’s car and insurance does not cover it, you may pursue a lawsuit for up to $1,000
If you are not sure if you have a claim, we recommend contacting our office to schedule your free consultation as soon as possible. There is a strict statute of limitations – or filing deadline – in Michigan that gives you just three years to file from the date of an accident if you intend to take legal action.
This deadline extends to all types of accidents involving a motor vehicle, bicycle, motorcycle or pedestrian. If you miss it, the court will likely dismiss the case and you will be unable to recover damages.
Different Kinds of Car Accidents
Car accidents can happen in an instant and many result in serious injuries. The most commonly seen accidents often result from a distracted, impaired or reckless driver and may include:
- Head-on collisions
- Left-turn crashes
- Rear-ending another vehicle
- Rollover car crashes
- Multi-vehicle accidents
- T-bone collisions
- High-speed crashes
If you sustained injuries or other damages as the result of another driver’s negligence, it may benefit you to hire a qualified attorney to assist you with your potential claim. At Jay Trucks and Associates, our Flint car insurance lawyers have helped countless injured victims and their families in Michigan.
Contact our office today by calling (800) 762-8623
How Car Accidents May Happen
Accidents caused by another’s negligence happen for a number of reasons, such as:
- Exceeding the speed limit
- Driving recklessly
- Aggressive driving behavior, such as tailgating other cars
- Driving while fatigued
- Distracted driving behavior, including texting, eating or drinking
- Driving the wrong direction
- Changing lanes or merging without first checking blind spots
- Ignoring traffic lights or other signs or signals
- Driving under the influence of drugs or alcohol
We are prepared to investigate if negligence may have led to the crash that caused your injuries.
Injuries Resulting From Car Accidents
Newer cars on the market are safer today than ever before. However, not all vehicles are able to withstand high impact crashes, and serious injuries may still occur. These injuries may include:
- Lacerations and severe bruising
- Soft-tissue injuries
- Traumatic brain injuries
- Fractured or amputated limbs
- Spinal cord injuries
After sustaining injuries in a car accident, it may be stressful to try to navigate the complex insurance system in Michigan to get the compensation you need. This is why you should consider seeking legal help.
Contact Our Flint Car Accident Lawyers for a Free Consultation
Being involved in a car accident can be an overwhelming experience and understanding how to proceed with a claim can also be confusing and difficult to handle on your own.
At Jay Trucks and Associates, we have extensive knowledge of Michigan’s automotive insurance laws and are prepared to help determine what coverage may apply in your situation. Additionally, we have a full team of support staff that are ready to manage your case from beginning to end – which includes handling all communications with the insurance company on your behalf. Let us protect your rights and best interests so that you can focus on what really matters – your recovery.
Take advantage of the free legal consultation we offer and if we determine you may have a valid case, there is no financial risk if we represent you. We charge zero up-front fees and do not get paid for our services unless we achieve a successful recovery for you.
Jay Trucks and Associates.
Legal representation on your side. (800) 762-8623