No-Fault Claims vs. Third-Party Liability

adjuster and claimant discussing claimFar too often, Michigan law confuses individuals in the aftermath of a car accident. There are intricacies that can complicate matters, most of the time stemming from the state’s laws regarding No-Fault claims. In the state of Michigan, you typically go through your own insurance company for certain benefits after the crash. If you do not have your own auto insurance policy, you may be able to receive benefits from an insured relative who lives in your home. If coverage is not available those sources, you may be able to submit a claim to the Michigan Department of State, Assigned Claims Facility.

However, there is additional legal action that may be available in the form of a third-party liability lawsuit. It’s important for you to recognize the differences between the two and learn where you may be able to pursue different types of compensation.

No-Fault Claims

These are the basic claims that you would file with your own insurance company after a crash, no matter who is at fault. Even if the other driver was clearly negligent, you will file a No-Fault claim for costs related to the following:

  • Medical care
  • Lost wages
  • Replacement services
  • Attendant care
  • Survivor’s Loss Benefits
  • Medical Mileage
  • Allowable Expenses

Your insurance company is responsible for paying you for these losses. In matters where the other driver is uninsured or does not have adequate coverage, your insurance company may also be involved in these situations.

Third-Party Liability Lawsuits

Third-party liability lawsuits are available to pursue compensation for pain and suffering you may experience when you suffer severe injuries following an accident. In these cases, you can file a lawsuit against the negligent driver’s insurance provider to pursue additional damages. It’s important to report every bit of information quickly to help protect your right to pursue compensation through a third-party liability lawsuit.

In a third-party lawsuit, it’s important to have legal representation to protect your rights and options; someone who can advocate in your best interests.

At Fieger Law, we’re committed to helping you through the process to recognize what rights you have and navigate the legal avenues available to you. Our Michigan car accident attorneys stand ready to give you a voice and pursue the maximum compensation you need.

Call our firm today at (800) 294-6637.

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