Why You Need a Lawyer for Personal Injury Protection in Michigan

Do you understand how personal injury protection in Michigan works?

Do you know what benefits are included in your Michigan No-Fault insurance policy?

Do you wonder why you need a Michigan personal injury protection lawyer?

A Serious Auto Accident Is a Traumatic Experience

If you are injured as a result of a motor vehicle crash, your recovery may be extensive and your treatment may be costly. If you are seriously injured, you may be hospitalized for several weeks or even months. After being discharged from the hospital, you may be in need of physical therapy, occupational therapy, and/or additional treatment, including long-term care.

What Does Personal Injury Protection in Michigan Cover?

In general, any person who is injured in a motor-vehicle accident is entitled to No-Fault (also known as PIP) benefits. PIP benefits are available to an injured party, even if they were at fault in causing the motor vehicle accident.

PIP benefits include: all reasonable and necessary medical treatment related to the car accident; up to $20/day in household replacement services and 85% of lost wages (not to exceed the monthly maximum- currently $5,700/month) for up to three (3) years.

Many people choose to coordinate their PIP coverage with their health and/or disability insurance policies. If your PIP coverage is coordinated, there will likely by a dispute between the insurance companies as to which one is responsible for paying your PIP benefits. Your lawyer will review the respective policies and and ensure that your medical expenses are covered.

Why You Need a Lawyer for Personal Injury Protection in Michigan

While it may sound simple, Michigan No-Fault insurance is actually quite complex. An experienced personal injury protection lawyer can help you avoid costly mistakes. 

Here are some examples:

• Most people are not thinking clearly after a serious accident. As a result, you may accept a settlement that is far less than you deserve. 

• You may be pressured to sign insurance papers from your company or that of the other driver. However, you should never do this without consulting a reputable Michigan personal injury protection lawyer.

• Insurance companies typically want to pay as little as possible. Therefore, they may argue that certain treatments are not medically necessary. A qualified lawyer will fight to make sure you receive the settlement you deserve.

• You may be entitled to non-economic damages not covered by PIP benefits, such as pain and suffering. These cases are extremely complex and require the expertise of a knowledgeable personal protection injury lawyer.

• Some people choose to coordinate their PIP coverage with their health insurance or disability income policies. If you require extensive medical treatment, there may be a dispute over which policy is responsible for certain costs. Your lawyer will work with both insurance companies to make sure your medical expenses are covered.

“After a serious auto accident, you need an experienced Michigan personal injury protection lawyer on your side,” says Mark Bernstein of The Sam Bernstein Law Firm. “We are known for winning on behalf of our clients. If you or a family member was injured in a crash, call us to get the benefits you deserve.”

Michigan personal injury protection laws are complicated, but finding the right attorney is simple.

Call 1-800-CALL-SAM today for a free, no-obligation consultation.

Sources:

• https://www.michigan.gov/documents/dleg/ip_228_231063_7.pdf
• https://www.michigan.gov/difs/0,5269,7-303-13648_60666_77183—,00.html