Michigan State has No-fault Insurance enacted for years, though it is still confusing what claim to file. If you or your loved one is a victim of Auto Accident in Michigan, then you can file several claims to obtain compensation for your damages. The cost of the claim depends on the several factors including your pain and suffering due to personal injuries. Do both the drivers have insurances and what does the insurance covers? In this article, we have listed below the 5 types of claim that you can file if you met with an Auto Accident in Michigan. No matter type of claim you are going to file, you can find a specialized Auto accident attorney from reputable Michigan Auto Accident law firm. An Auto Accident Attorney will help you get a fair settlement and overcome the lawsuit.
Here are the 5 types of Claim
- No-fault Insurance (First Party Claim)
The First Party Claim will help recover the financial needs due to the accident. You can get the expenses for the medical bills, wage loss, and expenses associated with the transportation from your own insurance company. You can claim your insurance company to recover this expense under your claim. This is one of the most common types of claim involved in Michigan Auto Accident Claims.
- Personal Injury Damages (Third Party Claim)
While No-fault claims are easier, and the victim can recover the damages. The Third Party Claim is quite hard to prove and win the claim. However, hiring a Leading Michigan Auto Accident Attorney will help overcome the claim. To file a third party claim, if you fail to match the threshold of Injury, then you might not be able to file a Third Party Claim. The Personal Injury Lawsuit includes all your damages such as pain and suffering, permanent Scarring, lifetime Suffering Injuries etc caused due to Auto Accident. In case of Severe Accident Cases and Wrongful death of a victim, the victim’s family can file a wrongful death case against the at-fault driver.
- Uninsured Motorist Claim
This Claim is filed, when the at-fault driver does not have any Auto Insurance. Many people find themselves helpless if they come across at a point when the at-fault driver does not have Insurance. For Filing this claim, you must have this policy in your own auto coverage. Some people fail to acknowledge this in the critical situation, so it is very important to know your insurance policy. Therefore, when purchasing the insurance plan, make sure you get the best policy under your plan.
- Under-Insured Motorists Claim
The Under-Insured Motorists Claim is similar to Uninsured Motorists Claim, but the negligent driver has the insurance that is not sufficient to cover all your damages. In such case, you can make a claim to your own insurance company for additional compensation to recover all the damages. Filing this claim additional Under-Insured Motorists Insurance policy is required in your Insurance Plan.
- Property Damage Claim
This claim will help you recover damages affected to the automobile or any other property due to Auto Accident. You can purchase additional collision coverage insurance to recover damages caused to property. Also, make sure what kind of collision coverage, the auto insurance policy comprises. In case you don’t have collision coverage, then you can also receive $1000 under the Michigan Mini-Tort Law.