Third Party Claims

If you are not at fault for your car accident and have been seriously hurt, you may have a claim against the one responsible for the crash. This is called a “third party” claim.

Who Pays For Your Injuries?

third party claimsWhen an accident happens, one or more of the drivers is considered “at fault.” The negligent driver and the owner of that vehicle are financially responsible for your losses from the pain and suffering associated with your injuries.  They may also be liable to pay any other damages not covered by your First Party Claim. If the driver was working at the time of the crash, you may be able to collect from his or her employer too.

Do You Qualify for a Third Party Claim?

Not every accident results in a third party claim. To get compensation for your pain and suffering, Michigan law requires you to have suffered a “serious impairment of body function.” That means an “objectively manifested impairment to an important body function that has affected your general ability to lead your normal life.” In other words, your day-to-day living must have been significantly affected by your injuries.

To decide whether you qualify, courts look at

  • the nature of the injury,
  • the extent that it affects your life,
  • how much treatment you have required, and
  • many other variables.

What Third Party Benefits Are Available?

Your third party lawsuit will include claims for “non-monetary damages” like pain and suffering, disability, and disfigurement. The claim will also include lost wages beyond the three year limit on First Party Benefits. If you are unlucky enough to be permanently disabled, your losses could equal what you would have earned for the rest of your working life. These claims are complicated and can be very valuable

If you decide to file a third party lawsuit, be sure to hire a lawyer who is a specialist in auto accidents and handles these matters 100% of the time. Your future and security are too important to entrust to a well-meaning generalist. Get the best.


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

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