Why Detroit drivers need a serious lawyer after a crash
Detroit's roads are some of the most heavily traveled in the Midwest. The Lodge (M-10), I-75 (Chrysler), I-94 (Edsel Ford), and I-96 (Jeffries) freeways converge in the city, and surface streets like Woodward, Gratiot, Michigan Avenue, Grand River, and Jefferson carry constant traffic at all hours. According to Michigan State Police traffic crash data, the City of Detroit consistently leads Michigan in total crashes and in fatal crashes per capita.
Detroit drivers face challenges that suburban drivers don't: uninsured-driver rates in Wayne County are among the highest in the country. If you're hit by a driver with no insurance — or worse, in a hit-and-run — your own uninsured motorist (UM) coverage often becomes the entire case. Knowing how to identify UM coverage, file the claim correctly, and (when policies require it) take the matter to arbitration is where most general-practice lawyers fail their Detroit clients.
Detroit drivers are also disproportionately affected by Michigan's 2019 no-fault reforms. Many lower-income families chose reduced PIP medical tiers to save on premium, only to discover after a serious crash that their coverage runs out long before their medical needs do. We know how to coordinate PIP with Medicaid, Medicare, and the Michigan Catastrophic Claims Association — and how to challenge insurers who deny benefits they should be paying.
The Detroit roads where we see the most crashes
- I-75 (Chrysler/Fisher Freeway): high-speed multi-vehicle crashes, commercial truck involvement
- Lodge Freeway (M-10): rear-end collisions, sideswipes, distracted driving
- I-94 (Edsel Ford): severe injury crashes, lane-change collisions
- I-96 (Jeffries) & the Davison: merge and exit-ramp crashes
- Woodward Avenue (M-1): intersection T-bones, left-turn crashes, pedestrian incidents
- Gratiot Avenue (M-3) & Grand River: high-volume arterial crashes
- Michigan Avenue, Jefferson, Fort Street: dense neighborhood traffic, pedestrian and bicycle incidents
- 8 Mile, Mack, McNichols: intersection crashes, hit-and-runs
Types of Detroit car accident cases we handle
Rear-end collisions
The most common Detroit crash type, especially on the freeways and Woodward. Often involves disputed PIP claims and soft-tissue injury skepticism from insurers.
Intersection & T-bone crashes
Mile Road intersections produce serious injuries — broken bones, concussions, internal injuries. Liability often turns on light timing and witness statements.
Hit-and-run
If the at-fault driver fled, your uninsured motorist coverage may be your path to recovery. We've pursued these claims successfully across Oakland County.
Uber & Lyft accidents
Rideshare cases involve layered coverage from TNC policies, personal policies, and your own no-fault. We know the priority of payment rules.
Truck & commercial vehicle
Higher-stakes cases with federal regulations (FMCSR), employer liability, and significantly larger insurance policies.
Motorcycle accidents
Michigan motorcycle law is its own animal — no-fault PIP rules differ, and injuries are typically severe. We handle these throughout SE Michigan.
Uninsured/underinsured motorist
When the at-fault driver has no insurance or insufficient coverage, your UM/UIM policy becomes the case. These claims require formal arbitration in many policies.
Pedestrian & bicycle
Even as a non-driver, Michigan no-fault often applies. We pursue both PIP benefits and third-party liability against the at-fault driver.
What to do in the first 72 hours after a Detroit car accident
The decisions you make in the first three days often determine the value of your case six months from now. Here's the order of operations.
1. Get medical attention — even if you feel "fine"
Adrenaline masks injuries. Soft tissue damage, concussions, and internal injuries frequently don't show symptoms for 24-72 hours. Going to DMC Detroit Receiving, Henry Ford Hospital, Sinai-Grace, or any urgent care creates the contemporaneous medical record that anchors your future PIP and pain-and-suffering claim. Gaps in treatment are the single biggest weapon insurers use against injury victims.
2. File a Michigan UD-10 traffic crash report
If police didn't respond at the scene, file a UD-10 within 30 days at any law enforcement agency. The report is essential evidence.
3. Notify your own insurance company — but say less than you think
You have a duty to notify your own carrier promptly to preserve your PIP rights. But do not give a recorded statement, do not speculate about fault, and do not estimate your injuries on that call. Stick to facts: date, time, location, and that you were in a crash.
4. Do NOT speak to the at-fault driver's insurance company
The other side's adjuster will call. Their job is to minimize your claim. You are under no obligation to give them a statement, and doing so almost always hurts you. Politely decline and refer them to your attorney.
5. Document everything
Photos of the vehicles, the scene, your injuries, your medical visits. Keep every bill, every prescription, every mileage log to medical appointments (mileage is reimbursable under PIP).
6. Call a lawyer before the 1-year PIP deadline
Michigan PIP benefit applications must be filed within 1 year of the accident. Miss it and that coverage is gone forever. Call us — even if you think your injuries are minor.
Michigan no-fault, explained simply
Michigan is one of only a handful of no-fault states. Here's what it means in practice for a Detroit accident:
Your own insurance pays first — regardless of fault
Your auto policy's Personal Injury Protection (PIP) benefits cover your medical bills, lost wages (up to 85% for up to 3 years), replacement services, and family attendant care. This happens regardless of who caused the crash.
You picked a PIP medical tier — and it matters enormously
After the 2019 reforms, drivers chose from PIP tiers ranging from unlimited coverage down to $50,000 (or opted out entirely with Medicare coverage). If you have catastrophic injuries and chose a lower tier, the math gets painful fast. The Michigan Department of Insurance and Financial Services has the full breakdown.
Pain and suffering requires meeting the threshold
To sue the at-fault driver for non-economic damages (pain and suffering), Michigan requires you to prove serious impairment of body function, permanent serious disfigurement, or death. This is a legal standard — and what counts as "serious impairment" is where most disputed cases live. We know how to build that record.
Mini-tort: the small claim you didn't know you had
Even in pure no-fault crashes, you can sue the at-fault driver for up to $3,000 in vehicle damage not covered by your collision insurance. This is called a mini-tort claim and it's often overlooked.
Why Detroit clients choose Haque Legal
- 15-20 minutes from anywhere in Detroit. Our Southfield office is a quick trip up the Lodge or down Northwestern. We also offer phone, video, and in-home consultations — common for clients with injuries that prevent travel.
- $30 million+ recovered in settlements and verdicts for Michigan injury victims. Past results do not guarantee future outcomes. Each case is unique.
- Contingency fee — we only get paid if we recover for you. No up-front cost, no risk.
- Free consultation, available 24/7 for accident calls.
- Spanish-language service available. Se Habla Español. We serve Detroit's Spanish-speaking community.
- Deep experience with uninsured/underinsured motorist claims — critical in Detroit, where uninsured-driver rates are among the highest in the country.
- Three practice areas under one roof — if your accident case intersects with a family law or immigration issue, you don't need to coordinate between three firms.
Frequently asked questions
How long do I have to file a car accident lawsuit in Michigan?
What is Michigan no-fault insurance and how does it apply to my Detroit accident?
Do I have to pay you up front to take my case?
What if the driver who hit me didn't have insurance?
Should I talk to the other driver's insurance company?
What if I was partially at fault for the accident?
How much is my Detroit car accident case worth?
Do you speak Spanish?
Talk to a Detroit car accident lawyer today
Free consultation. No fee unless we win. We answer accident calls 24/7. Whether you were rear-ended on I-75 or T-boned on Woodward, the first step is the same — talk to us before talking to the insurance company.