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crash with uninsured driverMichigan has among the highest number of uninsured drivers in the U.S. today. This is likely due to how expensive auto insurance coverage is in the state. Unfortunately, if you have a crash, this makes it far more likely that the at-fault driver will have no insurance.

How can you protect yourself from this situation? How do you recover damages if the at-fault driver is not insured?

At Jay Trucks, we know all too well how unprepared victims may suffer financial devastation after a crash with a driver who is not insured. Our Grand Rapids auto accident lawyers are here to provide legal insight that may help to prevent this situation from happening to you.

Injured in a crash with an uninsured driver? Learn about your legal options during a zero-cost, risk-free meeting with one of our qualified attorneys. We have the answers to your questions and can take your call anytime, night or day.

Request your FREE case review today. (989) 244-0440

Can I File for No-Fault Benefits if the At-Fault Driver is Uninsured?

Yes. Regardless of whether the other driver was insured or not, you can still file a no-fault insurance claim. This coverage provides many of the benefits you need as you begin the recovery process. However, it is important to seek legal help without delay as there are deadlines for filing.

A qualified attorney knows how to help you maximize the value of your claim while avoiding many of the common mistakes injury victims often make.

That said, another big problem you may face if the at-fault driver is uninsured is whether your policy limits are enough to cover your damages.

Why Your No-Fault Benefits May Not Be Enough

Since the current no-fault insurance law went into effect, many drivers have taken the opportunity to change their personal injury protection (PIP) limits. Rather than continue with unlimited PIP coverage, a lot of drivers have opted for the lowest amount of PIP coverage available to them.

Unfortunately, anything less than unlimited coverage is often not enough, especially following a crash that causes severe or catastrophic injuries. What happens if you run out of PIP coverage before you are done with your medical treatments? The medical costs alone could spell financial disaster for a crash victim injured by an uninsured driver.

Can I File a Third-Party Lawsuit Against the At-Fault Driver?

Maybe. However, remember that in Michigan, you can only file a third-party lawsuit for excess damages under certain conditions. You must first be able to establish that you suffered impairment of a bodily function according to the requirements under the state’s injury threshold.

The other issue in this situation is that while you may be able to sue if the at-fault driver has no insurance, it is likely not worth your while. Often drivers who do not carry insurance do so either because they cannot afford it or because they have no regard for the law.

Insurance Coverage That Can Make a Difference

While you are only required to purchase the state’s minimum insurance requirements, this limited coverage is rarely enough after a crash. As costly as insurance is in Michigan, the financial devastation you could face after a crash without sufficient insurance is far worse.

How Much Coverage Do You Need?

Each individual must look to their budget and family needs to make this decision. However, speaking with your insurance agent and doing your own research can provide insight before you buy or update your policy. Michigan also provides useful information about no-fault insurance that may help you learn more about your coverage options. It is worthwhile doing a deep dive to get to know more about coverages offered and the benefits they provide.

Questions to Ask Yourself to Determine if You Have Enough Insurance

Here are a few questions to consider when purchasing auto insurance that can help you fine-tune your coverage needs:

What Are Your Recovery Options if the At-Fault Driver Has No Insurance?

What your recovery options are after a crash with a driver who has no insurance largely depends on the insurance coverage you carry.

Coverage that may help you after a crash with an uninsured driver includes:

Uninsured Drivers Cannot Claim No-Fault Benefits

It is worth mentioning that an uninsured driver will be barred from filing a no-fault claim. These drivers will receive no compensation for medical costs, lost wages or any other losses.

In addition to not being able to seek no-fault benefits, uninsured drivers face legal consequences and penalties. Driving with no insurance is a misdemeanor in Michigan. Those who are convicted face $200 to $500 in fines and up to a year in prison. Drivers in this situation may also have to surrender their license for 30 days or until they can prove they have insurance.

Talk to One of Our Licensed Attorneys Today

Trying to manage the legal process of a claim when you are injured is understandably overwhelming. When trying to focus on your health, it also is easy to make mistakes. Unfortunately, in a legal claim, one mistake could cost you thousands of dollars or more.

Our attorneys at Jay Trucks are knowledgeable, experienced and have a history of getting results. Contact our firm today for a risk-free look at your legal situation. We are prepared to help and require no money up front. We only get paid our fees if we first win your case.

Proven Results. Satisfied Clients. (989) 244-0440

leave the sceneLeaving the scene of a car accident in Michigan is a crime, whether you are the at-fault party or the injured victim. Penalties for breaking the law could include driver’s license points, hefty fines and jail time.

Drivers may have a lot of questions about this law. For instance, what if it is unsafe to remain at the scene of a crash? If you are the victim and injured, can you still file a no-fault claim if the driver flees the scene? Do passengers have any responsibility after a crash?

At Jay Trucks, we have a team of legal professionals that is deeply committed to helping the injured in Michigan. We have extensive experience managing car crashes and other personal injury claims throughout the state. If you were injured in a crash you did not cause, we are ready to listen and help. Learn more about your legal options today. Your initial consultation is free, and there is no risk or obligation for this meeting.

Call 989-244-0356 for your FREE Case Review.

What is a Driver’s Responsibility After a Car Accident in Michigan?

Under state law, drivers who are involved in a crash are required to stay at the scene when there are property damages or any injuries, impairment of a body function, or death. After calling police to the scene, drivers must also provide information to the other party, including:

What Happens if You Leave the Scene of a Crash?

Both the at-fault party and the injured victim are required to remain at the scene of the crash. Whether or not you believe you share any fault for a crash, it is against the law to leave the scene in Michigan. Drivers who violate this law can be charged, regardless of who caused the crash.

If you leave the scene of a car accident that you caused, there are several penalties you could face:

If the driver who leaves the scene also caused the crash, and the incident caused serious impairment of a body function and/or death, the penalties are severe. The violation becomes a felony charge with up to 15 years in jail, up to $10,000 in fines, or both.

If a driver is convicted of any of these charges, his or her license may also be suspended.

What if a Driver Leaves the Scene and Comes Back?

Sometimes drivers leave the scene in a panic, but then realize they have a responsibility and come back. It is difficult to say what the legal implications may be, and each situation is different. For instance, if a driver leaves the scene, but then immediately returns and contacts the police. This scenario would likely have a much better outcome for the driver, than if he or she left and did not report the crash for days.

What if it is Unsafe to Remain at the Scene of a Crash?

This is a valid question, and there are a couple of scenarios that may make remaining at the scene unsafe.

The Crash Scene is in the Middle of Traffic

If your vehicle is in the way of traffic, and your vehicle is drivable, you can move your vehicle to a nearby area, such as a road shoulder.

What if it Seems Unsafe to Remain at the Scene

This is a tricky situation because it involves individual perception. However, if you feel unsafe because the area is dark and unfamiliar, or the other driver appears to be hostile, there are steps you can take. Note the location of the crash and, if you can, details about the other vehicle and driver. Then drive to a nearby gas station or well-lit parking area and pull over.

Call police immediately and provide both the location of the accident and where you moved the car.

What if There Are Passengers Involved in the Crash?

Passengers involved in a crash are not required to remain at the scene. However, if they are injured, they should seek medical care immediately. Taking this step helps to protect their health and also to link their injuries back to the crash if they later file a claim.

How Could Leaving the Scene Affect a Victim’s Ability to File a Claim?

If you are injured and the at-fault party leaves the scene, you will still be able to file your no-fault insurance claim. This means you will have coverage for your medical costs, lost wages and other benefits up to the limits of your Personal Injury Protection (PIP) insurance. If your medical costs exceed your PIP benefits, you may still have other options for recovering compensation. However, this is something you should discuss with a qualified attorney as soon as possible.

Injured in a Crash By a Driver Who Left the Scene? Call Our Law Firm for Help

At Jay Trucks, we understand that the last thing you need after being injured in a crash is trying to figure out how to file a claim. We have the resources and staff that can help you every step of the way. Our Grand Rapids-area car crash lawyers are prepared to fully investigate your accident and assess all your options for recovering compensation.

If you have been injured by a driver who left the scene of the crash, we encourage you to seek legal help immediately. You can contact our firm anytime, night or day, to set up a free initial case review. There is no cost or obligation after this meeting.

Millions Recovered. 989-244-0356

delivery drivers and high crash risk Delivery drivers offer a much-needed service. Companies, like Amazon, that provide these services, promise customers convenience and speed. Unfortunately, the benefits these companies offer may also be a reason why delivery drivers have a higher risk for a crash.

If you were injured by the negligence of a delivery driver, we recommend speaking with a licensed attorney right away. Delivery driver insurance issues often make these crashes more complex. In addition to no-fault benefits, injured victims may have severe injuries and need to file for excess damages.

Jay Trucks offers a free case review to discuss your situation. In this zero-cost meeting, you can learn about your available legal options at no risk to you.

FREE case review. Call today. 989-244-0356

Factors That Make Delivery Drivers More Likely to Be in a Crash

There are a lot of factors that may put delivery drivers at a higher risk for a crash, including:

Company Pressures and Incentives

Drivers get a lot of pressure placed on them by the companies they work for, such as:

Rising Demand for Better Delivery Services

Now, more than ever, delivery services are high in demand, increasing the need for more drivers. However, this has also led to an increase of more inexperienced delivery drivers on the road. Those who operate larger commercial vans, such as FedEx, may be even more likely to cause a crash.

Inherent Delivery Driver Risks

Being a delivery driver comes with inherent risks. In other words, the nature of this job often creates more possibilities for a crash, such as:

What Can You Do to Avoid Being Involved in a Delivery Driver Crash?

It would be unrealistic to think that every crash can be avoided. However, there are steps you can take to reduce that possibility, such as:

Avoid Driving Near Large Delivery Trucks

Larger delivery vans or trucks are easier to spot on the road than rideshare or food delivery service drivers. While this can make them more visible and easier to avoid, they can also cause a lot more damage in a crash. When driving in the area of a delivery truck, be sure to:

Staying Alert for Rideshare or Food Service Delivery Drivers

Rideshare drivers may have a lit-up sign on their dashboard that makes them easier to spot. However, food delivery drivers, also often in their own vehicles, may be harder to see. However, it is best to drive defensively and remain alert for any drivers who:

How an Attorney May Benefit a Delivery Driver Claim

Michigan drivers can seek compensation for medical benefits, lost wages and more through their no-fault claim. However, once your personal injury protection (PIP) benefits run out, you may need other options.

Once your PIP is exhausted, you may be able to file a claim against the delivery driver’s policy or, in some cases, the company he or she works for. Unfortunately, many delivery drivers may not be able to rely on commercial insurance from the companies they work for. This can make for a challenging claim, especially if the delivery driver failed to get commercial insurance for their vehicle.

A qualified attorney can help you to determine all compensation sources that may be available to aid you in your recovery.

Injured by a Negligent Delivery Driver? We Are Here to Help

Car crashes are not always avoidable, despite your best efforts to drive safely. If you are injured by a delivery driver’s negligence, our car accident lawyers in Grand Rapids are here to help.

Contact our law firm 24/7 to arrange a meeting with one of our qualified attorneys. This initial consultation is completely free and carries no obligation to file a claim.

At Jay Trucks, we have a long history of proven results, recovering millions for injured clients throughout the state. If we represent you, we also charge no upfront costs or attorney fees. This means you do not pay us unless or until we win compensation for you.

Experienced. Local. Lawyers. Ph. 989-244-0356

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

does surgery add value to car crash claimSurgery can be costly, particularly when it is for an injury caused by another’s negligence. Injury victims who get surgery have more medical expenses to claim than those who do not, right? The reality is more complicated than that. Surgery may increase the value of some compensation claims. However, others may not increase as much because surgery fixes the problem.

Jay Trucks explain more about getting surgery and when it may add value to a car crash claim.

If you suffered severe injuries as a result of another’s negligence, you may be eligible for no-fault benefits as well as a third party lawsuit. Contact our law offices for a free consultation to find out what compensation you may be able to seek for your damages. Our car crash lawyers in Grand Rapids are committed to seeking maximum compensation on your behalf.

We are here to help. FREE Case Review. 989-244-0356

Does Surgery Increase the Value of Your Car Crash Claim?

Not necessarily. Having surgery is bound to affect the value of a car crash claim in some way. The care is not cheap and, in addition to the surgery, there are other expenses victims may not know about, such as for:

Still, whether or not the surgery adds any real value to your car crash claim depends on various factors. If a patient has surgery that helps him or her to recover quickly, he or she may not need more medical care later.

In contrast, other crash victims, who may or may not require surgery, may need additional medical care for far longer. Some accident victims may even need medical care permanently. These costs can add up to far more than the cost of a single surgery over time.

It is important to mention, however, that crash victims should never seek surgery as a way to get a higher settlement. Remember, too, that your medical costs are fully covered through your Michigan no-fault benefits claim. At least, you will be covered up to the limits of your personal injury protection insurance (PIP). Even if your PIP benefits become exhausted, you may still have other options for paying for your medical costs.

What Types of Car Crash Injuries May Require Surgery?

Not every injury is severe enough to require surgery. Crash victims should never seek surgery unless their treating doctor determines it is necessary for your recovery. Primarily this is because every surgery comes with certain risks. There is a lot that can go wrong during any surgical intervention.

That said, severe injuries that may cause a crash victim to need surgery may include:

Is it Possible for Surgery to Reduce the Value of My Claim?

In Michigan crash victims can seek compensation for surgery through a no-fault claim, regardless of who caused the crash. That said, surgery may sometimes reduce the value of a claim in ways you may not have considered, such as if:

If your injuries are severe, you may greatly benefit from having an attorney fully handle your claim. He or she can help ensure you do not make mistakes that may affect your claim. Additionally, an experienced lawyer knows how to investigate all possible sources of compensation to help you try to obtain full and fair compensation.

Injured in a Car Cash? Contact Jay Trucks for Legal Help You Can Trust

If you were injured in a car crash and need to seek compensation for your damages, Jay Trucks is ready to help.

Contact our law offices as soon as possible to learn about your legal options to aid you in your recovery. We have staff available to take your call anytime, night or day. There is no cost for your initial consultation. We also do not charge any upfront costs while we work on your case.

Experienced Lawyers. Proven Results. 989-244-0356

T-bone collision damage A T-bone collision, also called a side-impact crash, is often severe, requiring extensive medical care and a lengthy recovery time. Many victims injured in this type of car crash may never fully return to their pre-crash condition. In addition to dealing with the injuries and medical treatments, victims and their families also face a significant and unexpected financial burden.

When a side-impact crash happens, who may be liable for your damages? How do T-bone crashes happen? Get answers to these and other legal questions if you suffered severe injuries in a side-impact collision.

At Jay Trucks, we have the resources and staff to handle even the most complicated car crash claims. Our Flint vehicle crash attorneys are prepared to fight for maximum compensation on your behalf.

FREE Case Review. Call 989-244-0356 today.

How T-Bone Collisions Often Happen

It is possible, though rare, that a mechanical defect, such as failed brakes, may cause a side-impact crash to occur. However, most often, these types of crashes are the result of driver negligence.

Some of the most common causes of a T-bone collision are:

There are other ways that side-impact crashes may occur, such as driver confusion caused by a broken traffic light. That said, drivers still owe a duty of care to try to avoid causing harm to themselves and others. This duty includes following traffic signals, posted speed limits and other laws.

For example, if you fail to use your signal, an oncoming driver may not know you are about to turn. Drivers can also be negligent if they do not turn on headlights at times required by law, such as when it is raining. This failure could make it hard for other drivers to see you and increase the risk of a high-speed T-bone crash.

Who May Be Liable for a T-Bone Crash?

Most people mistakenly think that the driver who hits the other car is automatically the liable party. This could be true in many side-impact crashes, but not always. Sometimes the turning driver is to blame, but in other cases, both parties may share fault.

Driver Turning Left

When a driver is turning left, a side-impact crash could happen in a couple of different ways. For example, the driver turning left may be hit by an oncoming vehicle. Alternatively, the vehicle turning left could hit the side of an oncoming vehicle. Who is liable in that situation? Likely, it would be the vehicle that failed to yield the right-of-way to oncoming traffic.

Driver Who Broke the Law

Very often, side-impact crashes happen because a driver broke the law. For instance, say a driver blew through a red light. If the left-turning driver was already mid-turn, the oncoming driver who ignored the traffic signal would likely be fully liable. However, sometimes the left-turning driver may be to blame. For example, if the left-turning driver failed to yield, and the oncoming driver had the right-of-way.

Drivers of Both Vehicles May Share Liability for a T-Bone Collision

There are some situations where both parties may share liability for a T-bone collision. One way this could happen is if the left-turning driver failed to yield and the oncoming driver was speeding.

As you can see, first responders must investigate the crash and any evidence to discover what happened before determining fault. Regardless of the outcome, the plaintiff (person filing a lawsuit) has the burden of proving negligence caused the crash, which resulted in injuries and damages.

What Damages Can I Seek After a T-Bone Crash?

In Michigan, drivers can file a no-fault benefits claim through their auto insurance company to cover their medical costs, lost wages and more. It is important to remember, however, that this compensation is only available up to the limits of your personal injury protection (PIP).

If you sustain injuries in a T-bone collision that meet or exceed the state’s injury threshold, you may have other legal options. You could be eligible to file a lawsuit against the other party for additional damages, such as pain and suffering. You can learn more about your potential legal options by speaking with a qualified attorney.

How Can I Avoid Being in a T-Bone Collision?

It would be easy to say that the best way to avoid being in a T-bone collision is to follow traffic laws. This means stopping when the light is red, following posted speed limits, and not driving impaired or distracted. These steps are actions that you can control, but they are also your legal duty as a driver.

While following traffic laws is part of the solution, what can you do about the other drivers on the road? You cannot control what others may or may not do. This is very true. For instance, a driver may speed through a red light as you are about to turn left. However, there is more that you can do more to further help avoid a T-bone collision. This is where defensive driving comes into play.

When behind the wheel, you can help to prevent side-impact crashes and other traffic accidents by:

Our Firm is Prepared to Help After a T-Bone Collision

At Jay Trucks, our qualified attorneys have been helping injury victims in Michigan for decades. This extensive experience has led to a history of proven results – we have recovered millions on behalf of our clients.

Find out what legal options you may have by calling our firm today and setting up an initial consultation. This meeting is completely free, and there is no obligation to hire our services. However, if we do represent you, it is important to note that there are no upfront costs. In fact, we do not collect our costs or fees unless we win your case.

Experienced. Local. Lawyers. 989-244-0356

medical marijuana users liable for car crash Marijuana seems to be everywhere these days, including Michigan. However, despite changes legalizing its use, both for medical and recreational purposes, people may have some questions about how the laws apply, specifically for medical marijuana users. What if a person who uses medical marijuana is involved in a traffic accident? Can a medical marijuana user be sued for causing a car crash?

At Jay Trucks, our Grand Rapids car crash lawyers are ready to answer your legal questions after a car crash involving medical marijuana that caused you harm. Learn more about how we may be able to help by scheduling your free case review today.

No Upfront Costs. 989-244-0356

THC and Michigan’s Zero Tolerance

Regardless of whether a driver uses marijuana for medicinal purposes or simply for recreation, operating a vehicle while under the influence is against the law. This is no different than for alcohol. If a driver is impaired by marijuana and caught weaving in and out of lanes, he or she can be pulled over by police for reckless driving.

How Will Police Know if a Driver is Drunk or High?

While there is still no foolproof method for roadside testing, Michigan police units are trained to test for possible marijuana impairment in various ways, including by checking:

How Michigan Laws Affect Medical Marijuana Users

Medical marijuana users are more likely to have elevated levels of THC in their system, especially if they use it every day. On the other hand, if a person only uses marijuana for recreational purposes once in a blue moon, the THC levels will likely dissipate much faster. What this means is that an occasional recreational user who smoked a joint a few hours earlier may no longer have any effect. Whereas a medical marijuana user who has not smoked a joint for a day or more could still have elevated THC levels in his or her system.

The fact is that there is no “one and done” measure for how long THC appears in your blood system. It really depends on a lot of factors:

Are Medical Marijuana Users Exempt From Being Prosecuted for Driving Under the Influence?

There is a law, “The Michigan Medical Marijuana Act” (MMMA), that was implemented in 2008 and is still in effect, to keep registered and qualifying medical marijuana users from being prosecuted. However, the MMMA does not protect a medical marijuana user who is deemed to be driving under the influence.

Is it Legal to Use Medical Marijuana and Drive?

If you mean, can a medical marijuana user drive while under the influence of marijuana, the answer is no. However, in general, a medical marijuana user can drive but again, only if he or she is not driving while under the influence.

Can Medical Marijuana Users Be Sued for Causing a Car Crash?

The answer to that question is yes, however, the injured victim must prove the medical marijuana user who caused the crash was also negligent. Just because a medical marijuana user has THC in his or her system does not automatically make them negligent. That said, there is no “free pass” protecting medical marijuana users from being sued if they were negligent and that negligence led to a crash that caused harm to another person.

Need Answers After a Crash? Call Jay Trucks for Legal Help You Can Trust

If you or someone you love suffered serious injuries in a car crash caused by a medical marijuana user, you may wonder if you have a valid claim. If your injuries meet the state’s injury threshold, you may be eligible to sue for excess damages. However, the burden of proof is on the injured victim for establishing the other party’s negligence.

The good news is, if you have a valid claim, Jay Trucks is prepared to help. We have a strong team of legal professionals, proven results and decades of experience. Find out about your potential legal options by scheduling your free initial consultation with one of our qualified attorneys. There is no obligation after this meeting and no pressure to hire our firm. If we do represent you, there is nothing to pay up front or throughout the handling of your case. We only get paid if we win compensation for you.

FREE Case Review.  989-244-0356


close-up-of-two-hands-handling-documentsMost car crash claims are finalized once both sides have agreed to a settlement. Sometimes, however, accident victims may feel they were not fully compensated for the injuries and losses they suffered. This situation may leave some victims wondering if they have any further options for recovering compensation. Can they still file a lawsuit once they have agreed to a settlement?

Once you accept a settlement, you typically give up the right to seek additional damages through a lawsuit. However, there may be situations that allow you to file a lawsuit after reaching a settlement.

Jay Trucks talks about what happens when crash victims agree to a settlement and when you may or may not be able to file a lawsuit.

If you have been injured in a Michigan car crash and need answers to your legal questions, call our law offices 24/7. Our traffic accident lawyers in Grand Rapids have extensive experience with car crash claims, and we are ready to help.

Case Reviews are FREE. 989-244-0356

When a Settlement Becomes Binding

The settlement negotiations phase can take some time to conclude. After reaching an agreed settlement, crash victims will be asked to sign a binding agreement. This agreement includes a release form that confirms you will take no further legal action against the defendant.

Perhaps you have only given a verbal approval and have not yet signed any binding agreement or liability waiver. If so, you may still be able to get out of this settlement.

In Michigan, a settlement becomes binding if and when it:

Once a settlement becomes binding, the injured victim cannot take further legal action against the defendant. This is why we so strongly recommend working with a qualified attorney when seeking compensation for your injuries. Without this level of experienced legal help, it is easy for insurance companies to get away with making a substandard offer that is far below the value of your claim.

When You May Be Able to File a Lawsuit After a Settlement

There are always some exceptions to the law, but they are complex and difficult to prove. In any of these situations, you will need an experienced attorney in your corner.

These exceptions include:

Bad Faith or Fraudulent Actions

This is a serious accusation that can be very difficult to prove. There are certain elements that must be established to prove that there was fraudulent misrepresentation, including proving:

Multiple Parties Involved in the Crash

If multiple parties were involved and contributed to causing your crash, you may have legal options for seeking additional compensation. Perhaps, for instance, you did not know a third party contributed to your crash until after the agreement was signed.

A couple of things that could prevent you from filing claims against additional parties in this situation include:

Things to Consider Before You Agree to Any Settlement

There are several steps you should take before agreeing to any settlement offer. First and foremost, we do not recommend ever taking the first offer made by the insurance company. It is important to remember that their goals are different than yours. Insurance companies fight to pay out as little as possible to maintain their bottom line.

Personal injury lawyers have the same goal as you do – to obtain the maximum amount of compensation available for your damages.

Therefore, your first call is best made to an attorney. Our team of legal professionals is ready to help you protect and maximize your claim from day one.

Additional steps to remember:

Need Help With Your Car Crash Claim? Contact Jay Trucks Today

Be sure to contact our firm to schedule an initial consultation before accepting any settlement offer. There is no charge for this meeting, and there is also no obligation to hire our services.

In your free case review, one of our qualified attorneys is ready to review the unique circumstances of your situation and discuss your potential legal options.

If we represent you, there is nothing to pay us up front or while we manage your case. We only get paid our fee if we win your case.

We Fight for Maximum Compensation. 989-244-0356

woman reviewing confusing documentsMichigan’s no-fault benefits help policyholders to pay for injuries and other losses after a traffic accident, regardless of who caused the crash. One of the no-fault benefits includes coverage for all related medical expenses. After an accident, victims may be confused about the medical expense benefit and often have questions about how it works and what it covers.

Below, Jay Trucks answers some of the most common questions about medical expense benefits in Michigan. Read on to learn more about what they are, how to claim coverage and what you can do if these benefits are denied.

Our auto accident lawyers in Grand Rapids have decades of experience helping injured victims throughout Michigan. We understand the importance of getting compensation for your medical costs after a car crash, and we are ready to help. Call for your 100 percent FREE case review to learn more about what we can do for you.

Experienced. Local. Lawyers. (800) 762-8623

What Are Medical Expense Benefits?

Medical expense benefits are an included provision under your no-fault insurance. Insured drivers, along with resident relatives or passengers riding in the vehicle, may all be eligible for these benefits after a collision. Other eligible victims may include injured pedestrians, bicyclists and more.

For those who are eligible, benefits could include compensation for:

How Do You Obtain Medical Expense Benefits?

The process for obtaining medical expense benefits can be confusing, which is why having an attorney handle the claim on your behalf can be beneficial. To get started, there are a few steps you will need to take:

Once your claim is submitted, the insurance company will review your application for benefits and determine whether the medical treatments you received were both reasonable and necessary.

How Does the Insurance Company Decide What Care is Reasonable and Necessary?

Under Michigan state law, the coverage only applies to related and allowable expenses which are necessary to help you recover from your injuries. If you got elective care, or treatment for an unrelated injury, for example, those costs would not be covered by your no-fault benefits claim.

What Happens if Some of My Medical Expense Benefits Are Denied?

For the most part, all related medical costs should be covered. However, the insurance company may try to say some of your care was not necessary or related to your recovery – even if the cost was valid. If this happens, a qualified attorney will know how to deal with the insurance company and advocate on your behalf.

Under MCL500.3107, medical costs that will not be considered reasonable or necessary and will likely be denied, include:

What Happens if the Insurance Company Denies My Claim or Delays Payment?

If your medical expense benefits were denied, despite being reasonable and necessary, you can file a no-fault lawsuit against your insurance company for the unpaid medical bills. You may also file a no-fault lawsuit against your insurer if your payments are unreasonably delayed.

It is important to mention that if a no-fault lawsuit becomes necessary, it must be filed within one year of the date of the medical service. This type of claim could quickly become complicated and is best handled by a qualified attorney to make sure your interests are protected.

Is There a Limit to the Amount of Medical Expense Benefits You Can Receive?

Prior to July 2021, there were no caps on the amount of medical expense benefits provided under a Michigan policyholder’s insurance plan. However, the new auto insurance reform laws, effective from July 1, 2021, and going forward, changed that. Today, injured victims are limited by the amount of Personal Injury Protection (PIP) coverage they purchase under their car insurance plan.

While choosing a lesser PIP coverage may save a little money in the short-term, you could end up being short of funds for medical costs when you need them. This is why you may want to consider keeping the unlimited PIP option, which provides better protection overall. If budget is an issue, we recommend that you choose the highest limits that you can afford.

Contact Our Law Firm for Help With Your Medical Expense Benefits Claim Today

Navigating a Michigan no-fault insurance claim is more confusing than ever since the auto insurance reform laws went into effect. However, our team of legal professionals handles these types of cases every day. We have extensive knowledge of the laws. We also know how to negotiate for the medical expense benefits you need to help you with your recovery.

Call for your free, no-obligation consultation today. We can help you get started with your claim so you can avoid missing important filing deadlines. If we take your case, there is nothing to pay up front or while we represent you. This means zero risk to you. Learn more about how we may be able to help and get answers to your legal questions.

Millions Recovered. (800) 762-8623

young man on phone while reading documentsYour insurance company owes a duty and is legally bound to handle your car crash claim according to the terms of your policy. Despite the laws, however, some auto insurers may resort to bad faith tactics. There are many ways this can happen. Examples of bad faith handling include not honoring the terms of your policy or wrongfully denying your claim, among others. Unfortunately, policyholders are the victims, often ending up with settlements that are far less than the value of their claims.

If you suspect your insurance company is acting in bad faith, you can contact Jay Trucks for a free consultation. Our car insurance claims lawyers in Grand Rapids are ready to determine whether you may be a victim of insurance company bad faith and how we may be able to help.

Schedule a FREE case review today. (800) 762-8623

What is Bad Faith Insurance Conduct?

Bad faith is the legal term given to the behavior of an insurance company that illegally handles the claim of one of its policyholders. There are many underhanded or illegal tactics insurance companies use that may be a sign of insurance bad faith, such as:

Failing to Properly Investigate the Incident

If your insurer fails to properly investigate your accident, this could be an early indication of insurance bad faith. Some of the signs of an inadequate investigation may include if an insurance company:

In other cases, insurers may fail to take relevant contributing factors under consideration. Accurately calculating repair assessments, for example, could impact the value of a victim’s claim.

Bad faith insurers often do just enough to keep up the pretense of properly handling a claim. They may hope that a car crash victim either accepts a lowball offer without a fight or gives up seeking compensation altogether.

Purposely Misinterpreting the Law or Policy Language

Insurance policies are often complex contracts filled with legal jargon that is hard or confusing for most people to understand. This lack of clarity is by design. It enables an insurance company to make it difficult for a victim to understand what is or is not covered. It also makes it easier for an insurance company to:

Refusing to Pay the Full Value of a Claim

Insurance companies may intentionally undervalue a claim, offering the victim far less than its full value. Injured victims are vulnerable to these offers, which can seem like a lot of money.  However, these offers often omit future costs and other important calculations. Victims are then left to foot the bill for any remaining medical costs, property damage and other losses.

Causing Unreasonable Delays in Sending Payments

Insurance companies may often unreasonably delay sending payments to an accident victim. For injured victims with medical costs that exceed their no-fault benefits limits, this tactic is especially damaging.

Wrongfully Denying a Claim

When an insurance company denies a claim, they cannot simply send notice of that decision without an explanation. They are required by law to notify you of the denial, but must also provide:

Victim of Bad Faith Insurance Tactics? Our Firm is Ready to Help

If you believe you are a victim of bad faith insurance tactics, our knowledgeable attorneys at Jay Trucks are ready to help. Take advantage of the free initial consultation we offer to learn more about your situation. If we find that you have a valid case, we can communicate with the insurance company on your behalf. We are dedicated to helping injured victims throughout Michigan. Our law firm has a proven track record, recovering millions on behalf of our clients. There are no upfront costs if we represent you. We do not collect payment for our services until you get paid.

Available to take your call at (800) 762-8623 24/7.