You’ve just been injured in a vehicle collision. You’re in a hospital room, hurting, traumatized, and scared. You can barely move because of the pain. And there’s a question troubling you.
In addition to worry about your physical health, one of the first questions that will come to you after the doctors and nurses leave you alone is this: Who will pay my medical bills after an accident?
The good news is you have a couple of options, both of which a Michigan auto accident lawyer can help you with.
Filing a Claim with Your Own Insurance Company
Michigan law requires all drivers to carry insurance, just like in other states. In Michigan, however, we use a “no-fault” system when it comes to insurance coverage. This means that, no matter which driver caused the accident, both would need to recover compensation from their own insurance policies.
That means you will file a claim with your own policy to pay for the damages your collision caused, including your medical care. Your insurance should also cover the following:
- Missed work wages for up to three years
- Up to $20 a day in replacement care costs
- Death benefits to the family of someone who died in a wreck
Filing a Personal Injury Claim Against a Negligent Driver
The other way to get all of your medical costs covered is to file a lawsuit against the driver who injured you. In Michigan, you can only file a personal injury suit against another driver if you’ve suffered serious injuries in the accident.
Your car crash attorney can advise you on whether your injuries meet the threshold for “serious bodily injury”.
Speak with a Michigan Auto Crash Attorney
A motor vehicle crash lawyer with Christensen Law can help you determine who will pay your medical bills after an accident. Whether you need to file a claim with your own insurance policy or file a personal injury claim against an at-fault driver, we can help you get through this.