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Unlike drivers, a passenger may make claims against both drivers if both share fault in the accident that caused their injuries. If one driver bears no responsibility in the accident, such as during a rear-end crash, the passenger may only file a claim against the driver who hit the car in front of them.
An insurer may calculate these amounts using the state's average cost per accident. States that do not carry no-fault insurance laws allow a victim to pursue a claim against any driver found negligent in an accident. No-fault law states require that specific circumstances be met for litigation to be available.
No-fault insurance means that if you're injured in a car accident, your own car insurance coverage will pay some or all of your medical bills and lost earnings, regardless of who was at fault for the crash.Every no-fault state's rules are different.
Obtain necessary information from the at-fault driver who caused the accident. Get a copy of the police report which is also called a UD-10 and/or Traffic Crash Report Get an estimate of what it will cost to repair the damage to your car.
Today, Michigan drivers are required by law to have a no-fault automobile insurance policy that includes Personal Injury Protection (PIP) benefits.On July 2, 2020, many changes to the existing no-fault auto insurance law will take effect, including giving Michigan drivers a choice in their level of PIP coverage.
Although the new no-fault law allows you to purchase different levels of medical coverage, or "Personal Injury Protection" (PIP), opting for less than full coverage can result in high out-of-pocket medical costs down the road if you are injured in a car crash.
Even if you are not injured, you can sue someone for damaging your car and any other property in it. If the damage isn't serious, you may be able to take your case to small claims court.If the damages are higher than small claims court allows and an insurer won't settle, you may need to file a civil court claim.
A person who is injured in a car accident in Michigan can bring a lawsuit for pain and suffering compensation against the at-fault driver, but the injured person must first be able to show that he or she has suffered a serious impairment of body function.
Even if you're not at fault, you can make a claim with your insurance company for payment of damages and injuries -- if you have the right coverages.It will pay for the cost of repairs or total loss of your vehicle. If you take this approach, you will have to pay your collision deductible toward repairs.