After you have dealt with the police and you have dealt with your personal injuries, there are also some things that you have to deal with in terms of your insurance. You are claiming your insurance benefits examination of the facts in the case and ensuring that you do not miss anything when filling out the forms.
Again we are stressing the importance of contacting our Southfield car accident attorneys as soon as there is a crash that you are involved in. Our goal is not to be retained as your lawyer throughout the process but, first and foremost, to help you protect your rights.
How Do I Deal With My Auto Insurance Company?
The reality is that the people you dealt with when purchasing your auto insurance are not the same people that you are going to deal with at the time of an accident in Michigan. Hence, make sure that you always have all of the documents and details about your policy prepared.
Once everything settles- when you have people already at the hospital, you have already been checked by the medical experts, and you have already found a report to the police and contacted your legal team you must notify your auto insurance company.
Keep in mind that there is a strict 1-year time limit policy that you should follow to notify your no-fault insurance company of the accident and to file your application. Of course, if you do the due diligence of contacting a Southfield personal injury lawyer, you will be guided through the whole process of everything that you need to do.
There is also a three-year limit for you to file a lawsuit against the driver at fault’s insurance company. This is a third-party lawsuit that your legal team can help you out with.
We cannot reiterate enough the importance of contacting you as soon as you get into a crash in Michigan. Our main goal is to make sure that you file everything properly and within the time limit to get the benefits you are entitled to.
How Do I Deal With The Auto Insurance Claims Adjuster?
We created this question in a very general manner. While most clients ask if they should sign a release or give a statement to the insurance provider, we decided to provide you with a write-up on how you should deal with the insurance claims adjuster.
First, keep in mind that the insurance claims adjuster is not your friend. No matter how nice the police car or the insurance claims adjuster is, you need to keep in mind that the person who is on your side would be you and your lawyer. Hence, we advise you to repeat this to yourself over and over again: they are not your friends.
Now that we have that out of the way let us give you a rundown on how you should deal with the insurance claim adjuster.
Never talk to your auto insurance claims adjuster without the presence of your lawyer.
If someone claiming to be from the insurance company tries to contact you or get your statement, you should call us on the phone. After a car crash in Michigan, the first thing that you need to take care of and the second thing that you need to take care of is your insurance. Once you have filed the claim within the period, there is no more rush if someone from the auto insurance company wants to talk to you about the crash; you need to make sure that you have a lawyer present and guiding me throughout the whole conversation.
This is not because you are guilty of anything but because insurance claims adjusters would often try to get statements recorded early on that tries to minimize the pain and the injuries suffered by the parties.
Again, at the beginning of this series, we have stated that some serious injuries do not come out of the crash instantly. You may experience personality changes or mood changes, or even depression and trauma because of the impact, which is not reflected automatically. It takes some time for such traumas to show.
If you allow yourself to be interviewed by the insurance claims adjuster early on, without getting yourself checked out physically and mentally, and without the advice of a lawyer, your claim for damages may be minimized. Your insurance claims adjuster will try to claim that no person in the crash was seriously injured.
Never sign a statement to your auto insurance company without a lawyer present.
There are instances where the insurance adjusters would try to get you to sign a statement claiming that it is the only document needed after application to find and claim your no-fault insurance benefits. Never sign anything that is ambiguous and that you do not understand without the presence of your lawyer.
What If The Other Party Doesn’t Have Insurance?
If you were involved in a car crash in Michigan and you have an insurance claim you already know that you are entitled to the benefits relating to your insurance. Even if the other party does not have insurance, you will still get the no-fault benefits about you and your insurance provider.
You should have no problem if the no-fault insurance that you obtained comes with uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) to cover not insured parties. Of course, the right of your insurance company to go after the other party is no longer your problem.
Let Haque Legal Help You With Your Auto Accident
Now that you know some facts about your rights in case of a car crash in Michigan it is time to get down to it. If you require a lawyer who can assist you with ensuring that you protect your rights to your property, it is important to know that you also have a team that can help you out with your specific needs.
Our law firm is dedicated to making sure that the law will protect those who are innocent and the full extent of justice will be used.
The article that you have read is based on general applications of the law. It is not legal advice, and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.
Let us help you out.
After experiencing an automobile crash, call our Southfield car accident attorneys immediately. We have helped thousands of auto accident victims claim millions of insurance benefits with the proper handling of automobile insurance claims from start to end.