Michigan uses a no-fault system when it comes to auto injury claims. If you’ve been injured in a vehicle crash, you will likely be required to first utilize your own insurance coverage, regardless of who caused the accident. Filing a claim is simple in theory, but it can be difficult to deal with insurance companies—even your own.
Insurance companies don’t like to pay out on insurance claims. This is a fact, even though they will try to tell you otherwise. They are in the business of making money, and your settlement takes money out of their pockets. What this means for you is that the insurance adjusters will actively work against you to minimize your claim’s value.
So, what can you do to ensure that you receive the money owed to you for your accident? After all, you’ve been paying your insurance premiums every month for a reason.
How to Maximize Your No-Fault Insurance Claim
Read through the following list of tips intended to help you receive the full value of your no-fault insurance claim and not a penny less:
Calculate Your Car Crash Damages
A lot of people have absolutely no idea how much their claim is worth. You hope to receive enough money to pay for your property damage, but beyond that, you may not know what other compensation you’re entitled to.
No-fault insurance also provides for lost wages, and in the case of temporary or permanent disability, you can receive payment for those issues, as well.
It’s imperative that you understand how to calculate your damages so you can recognize a lowball settlement offer when you see one.
Recognize the Insurance Company’s Tricks
Insurers don’t like to pay out on insurance claims because they lose money when they do. They aren’t going to tell you about all the money you’re entitled to, and they will attempt to pay you less than you are truly owed. You need to recognize when insurance adjusters are playing you and call them out accordingly.
Gather Solid Evidence of Your Injuries and Medical Care
Collect the evidence you need to prove your injuries. Insurers can deny part of your claim by suggesting your injuries aren’t as serious as you’re saying they are. They can also try to avoid paying some of your medical treatment expenses by claiming the treatment was “unnecessary.” Keep your medical evidence handy so you can contradict their claims.
Reach Out to a Lawyer for Help With Your Michigan No-Fault Claim
Many people don’t believe that a lawyer can help them with a no-fault insurance claim, but that’s not true. Your lawyer can help you in several ways. We can help you calculate your damages so you can be sure you’re getting a fair deal from your insurance company.
Sometimes, insurers will try to take advantage of an accident victim’s lack of legal knowledge concerning what they’re owed in a settlement. Reach out to Christensen Law to get help filing a no-fault claim in Michigan. You can get in touch with an attorney at our firm by filling out the form below or by calling our office at 248-213-4900.