This is a common question we get after someone has been in a car accident.
That is a question that callers ask us all the time. The answer is No.
For one thing, the bodily injury coverage you buy on your Michigan auto insurance policy doesn’t cover you for accidents other people cause. It’s the other way around—your coverage protects you from injury claims made by people in accidents you cause.
The important thing to find out if you are hurt in a traffic accident in Michigan is how much liability coverage the other driver has. This is something you should probably let a lawyer do for you, since we don’t recommend that you contact the other driver’s insurance company yourself. You want to “level the field” early on in your claim in order to avoid giving too much of the wrong kind of information to your opponents.
The thing to keep in mind is that whatever amount of liability insurance your opponent has does not mean that you just make a phone call to their insurance company and go pick up a check for that amount. To qualify for any money at all from the driver who causes an injury accident in Michigan, there are only four types of pain and suffering cases that are eligible. And you can be sure that the claims adjusters and lawyers for the other person’s insurance company will make every effort to look for information that damages the value of your claim—or reduces it to nothing, even if the accident wasn’t your fault.
So don’t count on a quick and easy settlement just because the other driver caused the accident and injured you. And please don’t assume that the bodily injury coverage on your insurance policy determines how much money you can get for your case.
If you would like to dig deeper into this topic, take a look at our information about uninsured and underinsured motorist coverage. To speak with an experienced personal injury lawyer in Michigan, contact us through our form or call 1-866-22Not33.