Accident Claim Process

Accident Claim ProcessIf you have been hurt in an accident, you have the right to be compensated for your physical injuries, emotional harm, and financial loss. In a car accident, your first source for compensation is your own No-Fault insurance. For other accidents, including pedestrian accidents, motorcycle crashes, and boat accidents, Michigan law lets you file your accident claim against the person or business responsible for your losses. This also applies to some car accidents that involve serious injuries.

Who Do You File Your Accident Claim With?

Your accident claim is almost always processed and paid by the insurance company of the person who was at fault. If there are multiple people or corporations involved, you may have to file an accident claim with several different insurance companies. Since insurance companies make profits by paying as little as possible on claims like yours, they will offer you less than what your claim is worth. They are good at under-valuing your losses and making you believe you are entitled to less than they owe.

Hire a Specialist Help With Your Accident Claim

The insurance companies are going to put up a fight. That’s why it’s best to have lawyers of your own who are experienced personal injury specialists to help you through the adversarial process. You wouldn’t go to a brain surgeon to treat your broken leg, or to an electrical engineer to design your hydraulic pump. So don’t trust your accident claim to anybody but a lawyer who specializes full-time in your kind of claim.

Preparing Your Accident Claim

Your attorney will prepare your accident claim with you. This includes investigating the claim to make sure that all the possible at-fault parties have been found and notifying them and their insurance companies of your claim. Next your attorney will research the facts of your case and develop the legal theories that establish liability and prove fault.

Supporting Your Accident Claim

Once the accident claim is filed your lawyer will gather all the evidence to support your damages. This might include:

  • Medical records and test results to show your serious physical injuries;
  • Doctor’s opinions on your recovery and prognosis;
  • Invoices for medical expenses and out-of-pocket costs;
  • Employment information to show lost wages or income;

Each of these forms of evidence must be meticulously documented. Often, expert accountants or economists will be hired to calculate your future medical expenses and loss of income.

Negotiating with the Claims Adjuster

Once all the evidence is gathered, your attorney will present it to the insurance company’s claims adjuster and try to negotiate a settlement that covers your losses. If the insurance company will not offer you a fair settlement, your lawyer will recommend filing a lawsuit in court. Because the insurance company is watching its bottom line, a court case is often necessary to get the compensation you need.


Everyone at Christensen Law was extremely friendly and very easy to work with. Whenever I had a question, they took the time to talk with me and explained everything thoroughly. They were also very quick to return phone calls. I would definitely recommend Christensen Law to anyone in need of a personal injury lawyer.

I suffered Traumatic Brain Injury when struck by a vehicle while walking. My recovery was a long uphill battle; I had little energy to expend on daily routines and even LESS on caring for my home and life. I wondered how I could continue into the future with the difficulties I faced.

I handed the baton off to David and Sarah of Christensen Law. They resolved the unique challenges of my case while buffering me from the opposing side’s onslaught. The case concluded successfully and to my satisfaction with minimal effort on my part.

To ease the burden of the load you carry, make the decision on your legal team today. You’re in the right place – all you have to do now is make the call.

Overall a professional, great team. Everyone knew me and my case. When I left a message, I got a quick reply. Sarah made me feel comfortable going into a courtroom, where I never had been before. Both David and Sarah are very knowledgeable with legal issues. I trusted everyone and am a satisfied client.

V. Watkins

I never knew attorneys could be so accessible and kind. They fought for me all the way to the end. They had to take my case to trial and they won me a great settlement. Now I have a secure future.


HH, Davison

I was treated very nicely and professionally with a lot of consideration and compassion for my disabilities suffered in a horrible car accident. Mr. Christensen and Sarah Stempky made sure I understood what was happening with my case and that everything was pulled together.

LG, Stockbridge

As an accident victim I had to have my leg amputated and I was in bad shape overall. David Christensen was a light in that experience. I ended up with an entire home modification to accommodate my disabilities. It was a very stubborn insurance company but David wouldn’t take no for an answer.

CB, Milford

If I had questions or worries Dave would address them with me because he knows what he is doing. I think the world of him. I felt he went above and beyond to turn a really bad situation around. I have hope now where before I felt powerless and miniscule and that these big insurance companies were just going to railroad me.

DT, Jackson

Awards & Accomplishments