If you have been in a car accident in Michigan, you may be wondering what to do next. The process of filing a car accident claim can be confusing, and it is important to understand the steps involved, including what you need to do to file a claim and what types of damages you may be able to recover.
Michigan car accident claim process
The first step in filing a car accident claim is to notify the other driver involved in the accident. Make sure to exchange contact and insurance information with the other driver. Then take photos and videos of the scene of the accident. It is important to gather as much evidence as possible at this early stage, as it can help support your claim later on.
After notifying the other driver, you will need to file a claim with your own insurance company. Be sure to have your policy number handy when you call. Your insurance company will likely ask for a police report and medical records related to the accident. It is important to cooperate fully with your insurer during this process; otherwise, they may deny your claim.
Once your insurance company has all of the information they need, they will begin negotiating with the other driver’s insurer. This process can take some time, so be patient. In most cases, the two insurers will reach a settlement agreement without having to go to court.
Determining fault
Michigan is a no-fault car insurance state. This basically means that the insurance company pays for damages in motor vehicle accidents. But if the other driver was at fault for the accident, you may be able to recover damages for your injuries and property damage under certain situations, for example, in the event of serious injuries like fractured bones or great disfigurement to your car.
The types of damages that you can recover will vary depending on the circumstances of the accident. Some common damages that are available in car accident claims include medical expenses, lost wages, and pain and suffering.
Settling a Michigan car accident claim can be complicated, but it doesn’t have to be difficult with the right information and advice. Follow these steps and tips, and you’ll be on your way to getting the money you deserve.
