Michigan Insurance Law: What to Do After an Accident and Before Filing a Claim

Michigan operates under a unique no-fault insurance system, which can be quite different from other states. Understanding the steps to take after an accident can significantly influence your recovery process and claim outcomes. Here’s a comprehensive guide on what to do after an accident and before filing a claim in Michigan.

1. Ensure Safety First

After an accident, your first priority should be safety. Check if anyone is injured and call emergency services if needed. Move vehicles to a safe location if possible to prevent further accidents.

2. Gather Information

Collect important information from everyone involved in the accident. This includes names, contact information, insurance details, and vehicle registrations. Don't forget to take photos of the accident scene, vehicle damages, and any relevant road signs or signals.

3. Report the Accident

In Michigan, you are required to report certain accidents to the police, especially if there are injuries or damages over $1,000. Request a copy of the police report, as this will be crucial when filing your claim.

4. Notify Your Insurance Company

Even if you are considering filing a claim later, inform your insurance company about the accident as soon as possible. This helps protect your rights and provides a record of the incident. Be factual and avoid admitting fault during your initial conversation.

5. Understand Your No-Fault Benefits

Michigan's no-fault insurance means that your own insurance will cover your medical expenses and lost wages, regardless of who is at fault. Familiarize yourself with the limits and benefits of your policy, as different policies can vary significantly.

6. Document Everything

Keep a detailed journal of all related expenses and communications after the accident. This includes medical treatments, rehabilitation, and any correspondence with insurance companies. Such documentation can support your claim and help you receive fair compensation.

7. Consult an Attorney

If you feel uncertain about how to proceed or believe the other party is at fault, consider consulting with an attorney who specializes in Michigan auto accidents. They can provide guidance on how to navigate the claims process and ensure your rights are protected.

8. Be Cautious with Settlement Offers

Insurance companies may present you with a quick settlement offer after an accident. Be cautious and don’t rush to accept it, as it may not fully cover your long-term medical expenses or damages. Consulting with a legal expert can help assess whether the offer is fair.

9. File Your Claim Promptly

When ready, file your insurance claim without delay. Ensure you've included all necessary documents, such as the police report, medical records, and any other supporting evidence.

10. Follow Up

After filing your claim, maintain open communication with your insurer. Be proactive in following up to check on the progress of your claim and provide any additional information they may require.

By following these steps after an accident and before filing a claim in Michigan, you can enhance your chances of a smoother claims process and ensure that you receive the compensation you deserve. Always prioritize your safety and legal rights in such situations.