Car Accidents Attorney in Plymouth, Michigan

The sound of screeching tires, the moment of impact, and the aftermath of a car accident are sequences most hope never to experience. Yet, accidents happen—often when least expected. For those traversing the roads of Plymouth, Michigan, and its surrounding areas, understanding the legal ramifications and steps to take after a car accident is crucial. 

If you or a loved one has been involved in a car accident, don't face the aftermath alone. Reach out to the Law Office of Kurt M. Schultz PLLC and schedule a free consultation to discuss your personal injury case. Your local attorneys are here to serve you in Plymouth, Detroit, Canton, Redford, and Livonia, Michigan. Whether it’s a simple rear-end collision or a more devastating freeway accident, we will work diligently to help you move forward with confidence. 

How Our Firm Can Help 

At the Law Office of Kurt M. Schultz PLLC, we understand the overwhelming nature of car accidents and are dedicated to supporting you through every step of your recovery process. Our firm offers a highly personalized service, ensuring you have direct access to our experienced attorney who will fight tirelessly to secure the compensation and care you rightfully deserve.  

From handling the complexities of insurance claims to advocating for your rights in court, we are committed to making this experience as painless as possible, guiding you with clarity and compassion. If you've been involved in a car accident in Plymouth, Michigan, or the surrounding areas, contact us today to schedule your free consultation and start moving forward with a team that works for you and prioritizes your well-being above all. 

Understanding No-Fault Insurance in Michigan 

Michigan is one of the few states in the U.S. that operates under a no-fault system for car accidents. Under this system, your insurance company pays for your damages, regardless of who was at fault. In return, this system is designed to reduce the number of lawsuits and expedite the process for individuals in need of medical care or vehicle repairs. 

The Components of No-Fault Insurance 

No-fault insurance consists of Personal Injury Protection (PIP), which covers the costs of medical treatment, wage loss, replacement services (like household chores), and funeral expenses if needed. Michigan law mandates that insurance providers offer an unlimited PIP medical benefit, ensuring that those seriously injured are covered for life. 

However, navigating PIP benefits can be intricate. In some instances, insurance companies may dispute the necessity of certain treatments or refuse to pay. This is when your rights as an insured under Michigan law become critical, as you have the ability to challenge these decisions. 

Utilizing PIP Insurance After a Car Accident 

Your PIP coverage is your first line of defense after an accident. It's essential that you seek immediate medical attention, providing your PIP benefits with the required documentation and evidence to support your claim. Remember, PIP benefits in Michigan are generally payable at 85% of your gross wages, present economic loss due to injury, or up to a specified monthly maximum amount. It becomes vitally important to keep accurate records and effectively communicate with your insurance provider to maximize your coverage. 

For more complex cases that exceed your PIP limits, additional avenues for compensation come into play, such as liability claims and personal injury lawsuits. 

Liability Insurance Coverage Requirements in Michigan 

Liability insurance coverage is also mandatory for drivers in Michigan. This coverage exists to protect you if you are found to be at fault in an accident, compensating other parties for damages resulting from the accident, including medical costs and vehicle repairs.  

The minimum requirements for liability insurance in Michigan are $20,000 per person for bodily injury, $40,000 per accident if multiple individuals are injured, and $10,000 for property damage. 

Understanding and documenting the extent of your damages is crucial when communicating with the at-fault party's insurance company. This documentation will support your claim and, if necessary, any subsequent litigation to ensure you receive the compensation you deserve. 

Filing Suit Against the At-Fault Driver 

There are scenarios where, despite the presence of no-fault insurance, a lawsuit against the at-fault driver may be necessary. Filing a lawsuit can allow you to seek damages not covered by no-fault insurance, such as pain and suffering, and hold negligent parties accountable. 

The process of filing a lawsuit against the at-fault driver involves multiple stages, including discovery, depositions, and potentially a trial. Each step requires careful legal consideration and the collection of evidence to substantiate your claim. 

Statute of Limitations for Car Accident Cases in Michigan 

In Michigan, the statute of limitations for filing a personal injury lawsuit, including those related to car accidents, is generally three years from the date of the accident. This means you have a strict time frame within which to initiate legal action. Failing to file within this window may result in the permanent loss of your right to pursue compensation through the courts. 

Adhering to the statute of limitations is crucial. It is a non-negotiable deadline set by law, and missing it can prevent you from seeking legal recourse. 

Comparative Fault in Michigan Car Accidents 

Michigan follows a comparative fault rule, meaning that a plaintiff's compensation amount can be reduced based on their percentage of fault for the accident. This system allows both parties to share responsibility for an accident based on their actions or negligence that contributed to the incident. 

It's important to understand how comparative fault may impact your case and how to defend against attempts to shift blame to you. Asserting and proving the other party's liability can significantly affect the outcome of your case.