Car accidents are unfortunately common on Michigan’s roadways. The Michigan State Police reported around 320,000 traffic crashes in 2022 alone, resulting in over 900 fatalities and more than 70,000 injuries, many of which could have been prevented. While no one wants to be involved in a car accident, it is crucial to be prepared in case the unexpected occurs. To prioritize your safety and protect your rights after a Michigan car accident, follow these steps: stay calm, stay safe, and seek the guidance of legal professionals as needed.


Here are some answers to the most Frequently Asked Questions (FAQs) about Michigan car accidents.


How much does it cost to file a lawsuit?


Filing a Michigan No-Fault insurance lawsuit doesn’t require any upfront payment. It is done on a contingency basis, meaning the injured victim only pays a small percentage of the awarded money to the attorney if they win.

How much time do I have to file a lawsuit?


In Michigan, accident victims have specific timeframes for filing a lawsuit. Firstly, you must notify your own insurance carrier within one year of the accident to file a Michigan No-Fault insurance lawsuit for No-Fault benefits. Additionally, if your claim gets denied, you must file a lawsuit against your own carrier within one year. Afterward, you have three years to file a lawsuit against the wrongdoer driver’s insurance company for pain and suffering damages. It is vital to adhere to these timeframes as recovering from a car accident becomes challenging if you fail to file within the specified deadlines.


What does “No-Fault” really mean?


In Michigan, the term “No-Fault” implies that both parties involved in a car accident are entitled to benefits from their auto insurance companies, regardless of fault. However, the No-Fault law can be complex, considering factors such as different insurance policies, workers’ compensation, and unemployment benefits. The situation may become even more intricate when an out-of-state driver is involved. For this reason, it is highly advisable to seek the assistance of a skilled car accident attorney who specializes in Michigan No-Fault insurance cases. At Gallon, Takacs & Boissoneault, our dedicated Michigan Car Accident attorneys are available for a Free Case Evaluation. You can speak with one of our dedicated Michigan Car Accident attorneys at Gallon, Takacs & Boissoneault for a Free Case Evaluation.


Should I call my insurance company right away?


After a car accident in Michigan, contacting your insurance company promptly is important. Upon doing so, you must notify them within a strict one-year time limit for your own (first-party lawsuit) No-Fault insurance company and file your application for benefits. Additionally, there is a three-year time limit for filing a lawsuit against the negligent driver’s (third-party lawsuit) car insurance company.

Should I give a statement to the auto insurance claims adjuster?


It depends. When dealing with your insurance claims adjuster, it is necessary to provide a statement, but we strongly recommend having your attorney present to safeguard your interests. On the other hand, you are not obligated to give a statement to the claims adjuster representing the wrongdoer. Typically, claims adjusters attempt to obtain recorded statements early on when victims are unaware of the extent of their injuries or the specific details of the accident. These “statements” can be used as evidence against you in a claim. This is particularly important considering the complexities of Michigan’s No-Fault insurance. Therefore, it is crucial to seek the advice and guidance of a fully experienced attorney. Contact us today for your Free Case Evaluation, especially before engaging in any discussions with insurance adjusters.


What if the driver who hit me doesn’t have car insurance?


In a Michigan car accident, even if you have No-Fault insurance and the other driver involved is uninsured, you are still entitled to No-Fault benefits, regardless of fault. Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) can provide a valuable source of legal recovery, especially for pain and suffering damages, if you are injured in a crash caused by an uninsured or underinsured driver. To determine if you have this coverage, please review your No-Fault insurance policy.


Get the Justice and Compensation You Deserve After a Michigan Car Accident


Dealing with a car accident in Michigan can involve numerous complications and red tape. That’s why it’s crucial to seek the guidance of an experienced Michigan Car Accident attorney. Contact our office today at 734-430-3012 or online for a Free Case Evaluation. Find out about your situation before taking any action, and let us assist you in securing the compensation you deserve.