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winter weather crash riskMichigan drivers have to deal with a lot of snow, ice and other bad winter weather. Road conditions at this time of year are especially dangerous. Unfortunately, despite a driver’s best efforts, a winter weather car crash may happen.

Who is liable for the damages? Can drivers blame the bad weather? Does it even matter since Michigan is a no-fault state?

Jay Trucks discusses the causes of crashes in winter, why fault still matters and who could be liable. If you have other legal questions after a crash, our Grand Rapids car crash lawyers are ready to help. Call our firm to set up a free case review to learn more.

Proven Results. 989-244-0356

Common Causes of Winter Weather Crashes

While snow and ice make driving more dangerous, most winter weather crashes are preventable. Typically, these incidents are the result of driver error or negligence.

Some of the leading causes of winter weather crashes include:

Who May Be Liable for Winter Weather Crashes

Drivers owe a duty of care despite how bad the roads are during the winter months. In winter weather crashes, drivers may be considered negligent if they:

Does Liability Matter in a No-Fault State?

Even though Michigan is a no-fault state, it is still necessary to determine liability for a crash. Some crash victims may not have enough personal injury protection coverage (PIP)  to fully cover their medical costs. Others may suffer severe or permanent injuries which meet the state’s injury threshold. In that situation, liability also matters as the crash victim will need to file a lawsuit for excess damages.

Steps to Improve Your Road Safety in Winter

Staying home when snow and ice are at their worst is the best idea. However, if you must go out, these steps can help to keep you safer on winter roads.

Pack For a Possible Emergency

When driving in winter, you should not leave your house unprepared. Pack an emergency “go bag” with:

If you do get stuck in a whiteout, call 9-1-1 to let them know where you are and stay in your vehicle. If you have to get out to clear your exhaust pipe or other reasons, do so with caution. If there is traffic, other drivers may be unable to see you because of the weather.

Prepare Your Vehicle

What you do to prepare your vehicle – and how you drive it – plays a huge role in avoiding a winter weather crash. Reasonable steps to ensure you are driving a safe vehicle include:

Call Our Law Firm for Legal Help After a Winter Weather Crash

Determining liability for a winter weather crash can be difficult. Visibility is often not great, so being able to explain exactly what happened may also be hard. Often the drivers in a crash will have different stories. Having an attorney to protect your interests and build a strong claim can help to give you peace of mind.

At Jay Trucks, we fight hard for our clients, and have been helping injured crash victims for decades. We have a strong history of proven results and are prepared to seek maximum compensation on your behalf. Contact our firm to get started today. There is no cost or obligation to learn about your legal options. If we represent you, there is nothing to pay up front. We do not get paid unless you do.

Millions Recovered for our Clients. 989-244-0356

most dangerous intersections michiganTraveling through any busy intersection increases the risk of being in a traffic accident. While you can take steps to avoid causing a crash, other drivers may be more careless or less attentive. So how can you avoid crashes in the most dangerous intersections in Grand Rapids and throughout Michigan?

At Jay Trucks, we realize that despite your best efforts, accidents can, and do, still happen. If you suffered an injury because of another’s negligent driving, we are here to help. Call to schedule your FREE, no-risk case review today to learn about your legal options.

Millions Recovered. 989-244-0356

Which Intersections Are the Most Dangerous in Michigan?

The recent list of dangerous intersections is based on Michigan’s State Police 2020 crash data. Accidents in this report include crashes that:

According to last year’s crash data, the most dangerous intersections for the state included:

The most dangerous of all of the intersections were in Macomb County last year – the roundabout at 18 1/2 Mile Road and Van Dyke in Sterling Heights. Although 2020 saw fewer crashes overall than in 2019, these numbers are still concerning.

Worst Intersections in Grand Rapids, Kent County

While 75 percent of the state’s worst intersections are in or near Detroit, there are many just in Grand Rapids. These top ten most dangerous intersections in Kent County include:

The Wealthy Street interchange on US 131 is not just the worst intersection in Grand Rapids. It has also been deemed by officials as one of the most dangerous intersections in the state.

Common Causes of Dangerous Intersection Crashes

Some intersection accidents may be due to poor road design, confusing signage or a lack of road maintenance. However, most crashes, including those at dangerous intersections are caused by some form of driver error, including:

How You Can Drive Through Intersections More Safely

Intersections will always pose a certain risk for drivers. In fact, the Federal Highway Administration (FHWA) reports that over 50 percent of serious or fatal crashes happen at or near an intersection.

While you cannot account for how others drive, you can navigate through dangerous intersections more safely by following these tips:

Injured in an Intersection Crash? Our Trusted Law Firm Is Here to Help

Many drivers take precautions and try to follow traffic safety laws. However, it is impossible to always predict what other drivers may do.

At Jay Trucks, we have extensive experience and a history of proven results. Our car crash attorneys in Grand Rapids have recovered millions for our clients. This history includes a $1.9 million recovery for the estate of a crash victim who suffered fatal injuries when a propane truck blew through a stop sign.

If another driver’s negligence causes you to be injured in an intersection, our law firm has the staff and resources to fully investigate and handle your claim. Call to learn about your legal options today at no cost or obligation to you. We are available to take your call anytime, night or day.

No Upfront Costs or Fees. 989-244-0356

crash investigators looking at vehicle damageMotor vehicle accidents are an unfortunate and mostly preventable cause of serious injuries and fatalities. Statistically, most collisions are down to driver errors and motorists who disobey traffic safety laws. Speeding is a common traffic violation and one of the leading factors in crashes, contributing to a third of the fatalities.

Negligent drivers who speed put not just their own life at risk, but also others on the road.  If you suffered serious injuries in a crash caused by a speeding driver, you may be eligible for damages outside of your no-fault injury benefits. At Jay Trucks, our Grand Rapids vehicle crash lawyers are ready to help you learn about your legal options at no risk to you.

FREE Case Review. Ph: (800) 762-8623

Strong Evidence That is Hard to Ignore

After a traffic accident, people may not realize the types of strong evidence a crash scene may reveal. Accident investigators know what to look for to help them learn what might have caused the crash. Solid evidence that is hard to ignore may include:

Police Report

Officers are trained to investigate accident scenes, observe the evidence and take statements from witnesses before writing up the accident report. Police reports often contain vehicle diagrams, observed vehicle damage, and other relevant facts about the crash. If the other driver gets a ticket for speeding, that will also be included in the police report.

Unfortunately, not every crash will have a witness or camera footage to help provide more information about what happened. Even a police report, if no ticket was issued, may not always indicate whether the at-fault party was speeding. So what else can help provide the evidence you need to prove that the at-fault party’s speeding helped cause your crash?

Examining Physical Evidence From the Crash Scene

After a motor vehicle accident, crash investigators will examine the scene to try to figure out the cause. If the at-fault driver was speeding, there may be evidence at the scene that proves it, even without video footage, eyewitnesses or traffic citations.

Important physical evidence at a crash scene may include:

Vehicle Damage

Vehicle damage reveals a lot about the speed at which a car was hit, as well as how fast the vehicle that hit it may have been going. This information is useful because the speed of a car when it crashes not only makes a huge difference in the amount of damage to a vehicle, but also its occupants.

Collision Ratings

Manufacturers have collision ratings for their vehicles. These ratings detail the expected damage to a vehicle at different speeds. This information tells investigators even more about the speed a vehicle may have been going before colliding with another vehicle.

Road Debris

At impact, pieces of the vehicles involved in a crash may get knocked off and sent flying into the road. How far this road debris goes – if it remains undisturbed – can be telling. Higher rates of speed result in more force at impact. The harder a car is hit, the further any vehicle parts will travel after coming loose.

Fresh Skid Marks

Speed affects your vehicle’s braking time. The faster a vehicle is going, the longer it will take it to fully stop after applying the brakes. Therefore, fresh skid marks help accident investigators to learn more about how fast a vehicle was going prior to impact. Skid marks that are longer and deeper indicate a vehicle was speeding because it took them more time to stop.

Contact Our Firm for Legal Help You Can Trust

Why leave your injury claim to chance? The team of legal professionals at our firm has been handling many different types of car crash claims for decades. We have a strong and proven track record, recovering millions on behalf of our clients.

At Jay Trucks, your Michigan car crash case is important to us, and we are ready to work tirelessly to recover maximum compensation for you.

Get started today with a free case review. We are ready to assist you with your no-fault injury claim. We are also prepared to help you seek a third-party liability claim if you meet the state’s injury threshold.

A firm you can trust. Ph: (800) 762-8623

healthcare worker assisting an injured manPeople often sustain leg injuries when they are involved in a motor vehicle accident. However, when it is not an obvious fracture, bruise or laceration, you may wonder what is causing the pain.

Jay Trucks talks about some of the most common reasons for leg pain after a car crash, including when your leg pain could indicate a serious injury.

If you are suffering from leg pain after an accident caused by a negligent driver, you should seek medical assistance immediately. Our experienced car accident attorneys in Grand Rapids are also prepared to help you with your no-fault claim and to determine whether you have additional options for recovering compensation. Call to schedule your free case review.

Talk to a lawyer today. Ph: (800) 762-8623

Common Leg Injuries After a Car Crash

Legs are prone to injury in car crashes, and the pain can exist in the bones, the nerves, muscle or other soft tissue. In some cases, an injury elsewhere in your body may be causing the pain in your leg.

These are some of the most common types of leg pain and injuries from car crashes:

Lacerations, Severe Bruising

Lacerations (deep cuts) and other type of surface injuries are easily seen and diagnosed. Most often, these injuries will heal well with time. However, if your cuts get infected or the bruising spreads and becomes worse, you should see your doctor immediately.

Soft Tissue Injuries

These are injuries that occur in the soft tissue around your bones, and may include muscle pain, torn ligaments, damaged cartilage, tendons and more.

Symptoms of a soft tissue injury may include:

  • Pain
  • Swelling
  • Stiffness in the joint
  • Limited range of motion
  • Weakness of the affected area
  • A popping sound around the affected joint
  • Inability to bear weight
  • Joint instability

Soft tissue injuries are very common in a car crash and range in severity, treatment and recovery time.

For example, a simple sprain may heal in a matter of a few weeks with ice, rest and maybe even some physical therapy. However, if you tear a ligament or muscle, you may need surgery, medication to manage inflammation as well as pain, physical therapy and a lot of rest.

Bone Injuries

Leg fractures are another common injury that accident victims may suffer. People think that if they broke a bone, they will be able to see it, but that is not always the case. There are more than 60 bones in your leg and more than 10 types of fractures, so the damages could be from mild to quite severe.

For example, a closed fracture that is also stable (where the broken ends of the bone line up) is easier to treat and may also heal faster. An open fracture (one that punctures the skin) or a compression fracture (caused if bones are crushed) may require:

  • Surgery
  • Implants to help support the bone
  • Extensive physical therapy
  • A much longer recovery time

Knee Injuries

If your knees slammed against something hard in your car during the crash, such as the dashboard, you could have suffered one of many types of knee injuries – from a ruptured ACL to a shattered patella (knee cap). In addition to being very painful, knee injuries can make it very difficult to walk.

Dislocated Hip/Leg Bones

Sometimes the force of a car crash can cause a bone to become dislocated – or forced out of its joint. This type of injury is extremely painful – making walking difficult to impossible. Additionally, the impact of that bone becoming dislocated may have also caused damage to the surrounding soft tissue.

Deep Vein Thrombosis

Deep vein thrombosis (DVT) is essentially a blood clot that can occur as the result of either your initial leg injury or from the surgery required to repair that injury. Regardless of why DVT occurs, it is critical that you seek medical care for it immediately. A DVT can result in a pulmonary embolism – a life-threatening condition.

If you have any type of pain, swelling or discoloration around the injured area, you should immediately seek emergency medical care. More obvious symptoms include:

  • Rapid heartbeat
  • Chest pain
  • Shortness of breath
  • Coughing – or coughing up blood
  • Feeling lightheaded or faint
  • Sudden unexplained anxiety

Leg Pain That May Indicate a Serious Condition

While broken bones, knee injuries and other soft tissue injuries are both painful and severe, there are some types of leg pain that may not actually be caused by a leg injury.

Leg pain that may indicate a more serious condition after a car crash could include:

Treating Your Leg Pain After a Car Crash

Any condition or injury that causes you leg pain can have a serious impact on your mobility as well as your ability to enjoy life. To help ensure you get proper care and give yourself the best chance for a full recovery, we strongly recommend that you seek medical care immediately after any collision to determine the root cause of your leg pain. Once your doctor diagnoses and treats your injuries, it is really important that you continue to follow his or her instructions – and keep any follow-up appointments.

After being diagnosed, your treatment could include one or more of the following, depending on the severity and location of your injuries:

Why Medical Care Matters

Getting a proper diagnosis helps you to get the treatment you need – without delay – to help your injuries to heal properly. Waiting to get treated or failing to see a doctor could make your injuries worse, cause permanent damage or in some cases, be fatal.

Additionally, seeking medical care creates an official record of how you were injured. This record becomes especially helpful for linking your injuries to the car crash, both for your insurance provider and if you need to pursue a liability claim. Without this evidence, your insurer could deny your claim with the argument that your injury could have happened anywhere.

Options for Recovering Compensation

Regardless of who may be liable for the incident, your personal injury protection (PIP) insurance will cover your medical costs and other benefits – up to the limits of your policy, including:

  • Diagnostic tests, such as MRIs and X-rays
  • Ambulance transportation
  • Crutches or other mobility devices
  • Surgery
  • Lost wages
  • And more

Pursuing a liability claim

PIP may not provide sufficient coverage for all of your medical costs, especially if you have a lower insurance limit and your injuries are extensive. However, if your injuries are more severe and meet the state’s injury threshold for impaired bodily function, you may be eligible to recover additional non-economic and excess damages, such as:

  • Pain and suffering
  • Emotional anguish
  • Loss of enjoyment of life
  • Disfigurement or scarring
  • Anxiety or depression
  • Loss of companionship

Contact Our Firm for Help With Your Claim Today

At Jay Trucks, we have been representing injured victims in Michigan for decades. We offer a free initial consultation, and there is never any obligation or pressure to hire our services. If we represent you, there are no upfront costs for us to start or work on your case. This means you can find out what legal options you may have at no risk to you.

If you suffered leg or other injuries in a serious car accident, our team of legal professionals is ready to help. Call our law offices anytime, night or day, to schedule your free case review.

Millions recovered. Call: (800) 762-8623 today.

motorcycle rider driving in rainMichigan’s motorcycle accident claims are complicated, however, insured motorcycle riders may be eligible for no-fault benefits after being injured in an accident with another motor vehicle.

Jay Trucks explains what you need to know about motorcycle accident claims in Michigan, including how to access no-fault benefits after a collision.

If you were injured in a Michigan motorcycle accident, our Grand Rapids motorcycle accident lawyers are prepared to help you obtain the no-fault benefits you need to recover from your injuries and other losses. Call our firm to schedule a no-risk, no-obligation, completely free legal consultation today.

Why Motorcycle Accident Claims Are Different in Michigan

In Michigan, state law uses the words “motor vehicle” in its definition of what a motorcycle is. Many motorcycle drivers find this confusing, because in reality, a motorcycle is not otherwise classified or considered a motor vehicle in Michigan. This classification impacts motorcyclists when they are involved in an accident with another motor vehicle, such as a car or pick-up truck. Unlike the drivers of these vehicles, a motorcyclist’s insurance policy does not include the same type of personal injury protection (PIP) protection.

What Insurance Coverage is Required for Motorcycle Riders in Michigan?

While motorcyclists in Michigan are not required to purchase no-fault insurance coverage, they are mandated by state law to carry a motorcycle liability insurance policy. This coverage, which provides for bodily injury, death or property damage is also known as PLPD coverage. The minimum limits required by state law are:

You do not want to fail to get this state-mandated coverage as a motorcyclist in Michigan. If you ride without insurance and are involved in an accident, there are serious fines and other penalties, including potential jail time. Additionally, if you suffer serious injuries in an accident and are not carrying insurance, you will not be eligible to receive no-fault PIP insurance benefits that would normally have been available to you under the law.

Additional Recommended Insurance Options for Motorcyclists

Although many motorcyclists may not purchase more than the minimum insurance, we recommend that you consider additional insurance options, such as the optional PIP coverage for motorcycle drivers. Your insurance company must offer you this coverage, according to state law, and you can purchase it in increments of $5,000 and up. If injured in a motorcycle collision that does not involve another motor vehicle, it provides you with first-party medical benefits. You should also talk to your insurance carrier about whether they may offer other insurance coverage, such as an uninsured/underinsured option.

What if I Do Not Want to Wear a Helmet?

Michigan state law requires you to wear a motorcycle helmet unless you are aged 21 years or older. If you meet the age requirements for not wearing a motorcycle helmet, and you choose to ride without one, you are required by law to purchase at least $20,000 in PIP coverage.

To fully understand all the insurance requirements for a motorcyclist under Michigan law, you can review the downloadable pdf provided by Department of Insurance and Financial Services (DIFS).

Do Injured Motorcyclists Have Access to No-Fault Benefits?

If you are injured in an accident involving another motor vehicle, you will have access to no-fault benefits, but the order in which you will pursue this coverage is as follows:

There are some situations where none of these options are available, such as if the at-fault party fled the scene and you did not purchase PIP coverage for your motorcycle. In this instance, you may be able to claim benefits through the Michigan Assigned Claims Program (MACP). This option, under the new auto insurance reform law of 2019, no longer provides a lifetime benefit. However, if you are eligible, the MACP pays up to $250,000 in medical expenses.

Our Knowledgeable Attorneys are Prepared to Help You Obtain No-Fault Benefits

Motorcycle accident claims in Michigan are especially challenging. Trying to determine where to seek the no-fault benefits you need while recovering from injuries is overwhelming.

Our qualified lawyers at Jay Trucks stand ready to assist you in pursuing all of your options for recovering no-fault benefits under state law. Additionally, we are prepared to determine whether you may also be eligible to pursue additional compensation for your losses, such as excess economic damages and non-economic damages.

If you were injured in a Michigan motorcycle accident, we strongly recommend that you contact 9-1-1 to get first responders on the scene. Having a police report is very important to your no-fault claim. We also encourage you to contact our firm as soon as possible to schedule a free initial case review to learn about your legal options. This service carries no risk or any obligation to hire our firm. If we represent you, there are no upfront costs or attorney fees to pay. We collect no payment until your legal case concludes, and only if we recover compensation for you.

Jay Trucks and Associates. Legal help on your side. (800) 762-8623

hands completing an accident reportIn Michigan, you are required by state law – MCL 257.622 – to report any accident that results in an injury, death or property damages that totals $1,000 or more. However, if there is little to no damage and no injuries, such as with a minor fender bender, you do not have to report the incident. Even in a minor fender bender, you may suffer injuries, which is why contacting the police for most accidents may benefit you.

Jay Trucks discusses police reports, including what information they contain, when you must file one and what you should do if you find your report contains one or more mistakes.

If you need legal help after a car accident, our knowledgeable lawyers are prepared to help. Call our firm to discuss your accident in the complimentary consultation we provide. Your questions are welcome, and there is no obligation if you decide not to move forward with a claim.

What Information is Included in a Police Report?

A police report supports your claim of the accident that occurred as well as the investigating officer’s observations regarding the crash.

Other important details include:

  • The date, location and approximate time of the accident
  • Names and contact details of those involved
  • Insurance details of all drivers
  • Contact information of any eyewitnesses
  • Description and location of vehicle damage
  • Diagram of the vehicles upon arriving at the scene
  • Initial statements from both the involved drivers and others who witnessed the crash
  • Any citations that were issued due to one or more traffic violations

When is a Police Report Needed?

You will need a copy of your police report for several reasons. Initially, when filing a claim for no-fault benefits, your insurer is likely to ask for a copy of the report. Providing them with this documentation may help to limit delays in getting your benefits started.

Your attorney will also need a copy of this report if you intend to pursue a lawsuit for additional damages, such as non-economic damages or excess economic damages. Your attorney can request this copy on his or her own as well, but if you provide this information up front, it can limit the delays in getting started with your potential case.

There are other times a police report is required by law, such as if a vehicle is brought in for repair with apparent damage from an accident. In this situation, the owner or manager of the repair shop must immediately notify the nearest police station or sheriff’s office. The report must include identifying information, such as the owner’s name and address, registration number and engine number.

What Can You Do if I Find an Error?

Police officers make mistakes, much like the rest of us, which means that errors on a police report can, and do, happen. For this reason, we strongly recommend that you order your accident report right away and then review it as soon as you receive it. The longer you wait to get and proof the report for accuracy, the harder it will be to correct any errors you may find.

If you do find one or more mistakes, you should take the following steps – without delay – to get them corrected:

How Do I Get a Copy of My Accident Report?

In most cases, you can request a copy of your report directly from the local law enforcement agency that responded to your accident.

If you prefer, you can also order a copy of your accident report online through the Michigan State Police Website. Reports on this site are provided by the Traffic Crash Purchasing System (TCPS). Please note that there is a $10 fee associated with this request. It takes two to three days for your report to become available, and if you do not have a case report number, you will be required to provide other identifying information.

Seek Legal Help From an Experienced Lawyer

Trying to figure out what you should do first after an accident can be difficult when you are trying to recover from your injuries and dealing with medical bills.

At Jay Trucks and Associates, we believe you should be able to focus solely on your recovery. Our team of legal professionals is dedicated to helping those injured due to the negligent acts of another. Contact our firm to seek legal help and learn more about how we may be able to help. Our representatives are available day or night to schedule your free legal consultation with one of our Grand Rapids car accident attorneys.

There is no obligation to pursue a claim, but if we represent you, you will not have any out-of-pocket costs to pay. We do not get paid for our services unless we recover compensation for you.

Free Consultation. Call: (800) 762-8623

denied claimVery often workers’ compensation claims may be initially denied. This does not always mean that the applicant is not eligible. Sometimes, it may be that the employee simply made an error in his or her application for benefits.

Our attorneys at Jay Trucks & Associates discuss why workers’ comp claims may be denied, and what you can do if this happens to you.

If your workers’ comp claim was denied, we strongly recommend that you quickly contact one of our attorneys for legal help. The appeals process is complicated and there are deadlines that must be met to avoid losing out on the ability to obtain the benefits you need.

Contact our firm to learn more about how we may be to help. There is no risk to you since we offer a completely free consultation. If your case has merit and we represent you, there is nothing for you to pay until the end of the legal process. If we do not obtain compensation for you, we do not get paid.

Common Reasons Workers’ Comp Claims Are Denied

While some claims may be denied due to human error, others are denied for various reasons, some of which are valid, including:

Our Grand Rapids workers’ compensation attorneys understand Michigan’s workers’ compensation laws, and we have extensive experience handling cases that were initially denied. We are prepared to discuss your situation in a free, no-obligation consultation and determine your eligibility for a claim.

Steps for Overturning a Denial

Michigan has an in-depth appeals process that you can access to try to overturn the decision to deny your claim. However, it is important that you act quickly and contact an attorney for legal help as soon as you get your notice of denial. If we determine you may have a valid claim for benefits, our attorneys can guide you throughout the appeals process to help you get the benefits you need.

At a very high level, Michigan’s process for appealing a denied workers’ comp claim includes:

There are additional options that you may be able to pursue if your denial is not overturned during these early steps. However, having an attorney on your side will help to ensure your legal rights are protected and give your claim the best chance of approval.

There is No Risk to Call and Meet With One of Our Licensed Attorneys

At Jay Trucks and Associates, we offer a completely free initial consultation that carries no risk or obligation to you. If we determine you may have a valid case and you choose to hire our firm, we will fight to help you obtain the benefits you need.

Our experienced lawyers are very familiar with Michigan’s complicated WCA appeals process, and we know what information they are looking for in a valid workers’ comp claim. We have a proven track record and obtained millions in compensation for clients who suffered work injuries. While there are no guaranteed outcomes, having legal representation on your side may often benefit a claim.

There are zero upfront costs or fees to pay us while we represent you. We do not get paid unless we obtain benefits for you.

Experienced Attorneys. Call today: (800) 762-8623

female in car accidentIf you drive a car in Michigan, you must purchase and carry the minimum limits of insurance protection as required by state law. In spite of this mandate, as much as 21 percent of drivers do not have insurance, and many other motorists are underinsured.

If you get into a car accident with an underinsured or uninsured driver, it could be a costly experience if you are not prepared. Our attorneys at Jay Trucks & Associates discuss how you can recover compensation for damages caused by an at-fault driver in this situation.

Who is Eligible To File For Damages?

Michigan is a no-fault state, so regardless of who is responsible for a car accident, each injured party will first file a no-fault insurance claim and use his or her own personal injury protection (PIP) benefits to pay for medical expenses and lost wages, up to the maximum limits of the coverage purchased.

Why is Michigan a No-Fault State?

Originally Michigan’s no-fault system was created to help streamline and simplify the claims process. By taking this approach, injured accident victims were able to quickly access compensation through their PIP benefits to cover medical bills, lost wages and replacement services.

What Happens if My PIP Benefits Run Out?

Policies in effect prior to the No-Fault Auto Insurance Reform have unlimited lifetime benefits. However, policies purchased from July 1, 2020 and going forward can opt for lower limits, based on coverage the consumer chooses. Benefits will not exceed purchased PIP limits.

However, if you have remaining damages after exhausting your PIP benefits, you may be able to pursue a third-party car crash claim if you can establish the accident was caused by the other driver’s negligence and you also meet the state’s injury severity requirements.

What if the At-Fault Driver is Underinsured?

Under normal circumstances, you could recover excess economic damages or non-economic damages through the at-fault party’s insurance. However, if the at-fault driver was underinsured or had no insurance at all, and you purchased UM/UIM coverage, you may be able to pursue a claim for these damages under your own insurance policy. UM/UIM coverage is not expensive for the peace of mind and significant protection it provides.

What Kind of Compensation Can I Recover?

If you meet Michigan’s eligibility requirements for filing an auto negligence lawsuit, you may be able to pursue compensation for:

  • Pain and suffering
  • Emotional distress
  • Loss of enjoyment of life
  • Excess economic damages

The Not-So-Good News

In Michigan, if you are injured in a car accident that was caused by someone else and you do not have car insurance, then you cannot sue for damages, regardless of the severity of your injuries. This is yet another critical reason to make sure you buy at least the minimum insurance required by law.

Additionally, if you contributed to the car accident, Michigan’s comparative negligence law applies. This means, for example, if you were 20 percent at-fault for the collision, any compensation awarded through a third-party negligence claim will be reduced by your degree of fault (in this scenario, 20 percent). If you are more than 50 percent at fault, you cannot pursue a third-party claim for damages.

Contact Our Firm For Legal Assistance Today

Michigan has one of the most complicated insurance systems in the country. This is why we strongly recommend that you contact a qualified attorney for legal assistance if you are injured in a car crash caused by another’s negligence.

At Jay Trucks & Associates, our Grand Rapids car accident lawyers welcome the opportunity to review the circumstances of your accident, determine your legal options for pursuing damages, and answer any questions you may have regarding underinsured car crash claims.

We charge nothing for your initial consultation and charge no fees for our services unless we achieve a recovery on your behalf.

Jay Trucks & Associates: (800) 762-8623