If you are a licensed driver in Michigan, it’s important to know what to do after a car accident. After an accident, call the police, seek medical attention even if injuries are not immediately apparent, and document the accident scene if it is safe to do so. It is also important that you report the incident to your insurance provider.
The state of Michigan operates under a no-fault insurance system. This means that each driver’s insurance covers certain damages, regardless of who is at fault. However, insurance claims can be tricky, and securing all your entitled benefits is critical.
For skilled legal guidance and to ensure your rights are fully protected, contact a Michigan car accident lawyer at Lipton Law. We’re here to help you every step of the way.
Call (248) 557-1688 or contact us online to schedule a free consultation today.
What to Do Immediately After an Accident in Michigan
When you are involved in a car accident in Michigan, your immediate actions can significantly impact your safety and the outcome of any potential claims.
First, ensure your safety and that of other passengers by checking for injuries and moving to a safe location if possible. Then, call 911 to report the accident and request medical assistance if needed.
It’s essential to exchange information with the other driver, including names, contact details, and insurance information. Document the scene by taking photos of the vehicles involved, any vehicle damage, and road conditions. Finally, notify your insurance company about the accident.
9 Crucial Steps to Take After a Car Accident in Michigan
1. Call the Police
Calling the police after a motor vehicle accident in Michigan is a key step that serves several important functions.
Firstly, a police report provides an official record of the incident, which is fundamental for the insurance claims process and any legal proceedings that may follow. The responding officers will document the scene and gather important information, such as each party’s insurance company and policy number, driver’s license number, and vehicle registration. The officers will also take statements from drivers and witnesses and assess any damage or injuries, which helps establish the facts of the accident.
Additionally, under MCL § 257.622, Michigan law requires that drivers immediately report any accident involving injuries, death, or significant property damage to the police. The officers will evaluate the situation to determine if any traffic laws were violated and if further investigation is necessary.
Having the police at the scene also ensures that help is provided quickly for injuries, traffic is managed to prevent further accidents, and all necessary emergency services are coordinated.
Police involvement is especially important in Michigan, where the no-fault insurance system requires thorough documentation for claims processing.
What Happens If You Don’t Call the Police After an Accident in Michigan?
Failing to call the police after a car accident can result in several negative consequences:
- Lack of Documentation: Without an official police report, there may be no formal record of the incident.
- Insurance Claim Issues: Insurance companies often require a police report to verify the details of the accident. Without it, processing claims can be more difficult.
- Legal Penalties: Michigan law mandates reporting accidents involving injuries, death, or significant property damage. Not reporting such accidents can result in fines and potential criminal charges.
- Challenges in Determining Fault: Without police involvement, establishing fault becomes more challenging.
- Hindered Legal Action: The absence of a police report can hinder your ability to pursue legal action if necessary.
- Complications in Receiving Compensation: Not calling the police can make it difficult to prove your case and receive appropriate compensation.
2. Seek Medical Attention
After contacting the police, it’s essential to seek medical attention immediately, even if you feel no immediate discomfort. This step is especially important if there is any chance of catastrophic injuries, such as brain injuries or back and spinal cord injuries, which might not show symptoms right away. If you need to seek legal representation after sustaining life-altering injuries, contact a catastrophic injury lawyer in Michigan.
A quick medical evaluation ensures that any injuries are identified and treated early, which can be critical for your recovery and well-being. These evaluations also provide essential documentation for your insurance claim in Michigan’s no-fault system, detailing the extent of your injuries and the treatments required.
3. Report and Gather Evidence for All Injuries and Vehicles Involved
Reporting and gathering evidence for all injured parties and damaged vehicles is necessary for several reasons. Comprehensive documentation ensures that all details of the accident are accurately captured, which is essential for filing an insurance claim under Michigan’s no-fault insurance system.
Detailed evidence, such as photographs of the scene, vehicle damage, and visible injuries, provides a clear and indisputable account of the incident. This thorough record helps prevent arguments about the cause of the accident and the extent of the injuries and damages.
4. Refrain from Giving Statements or Signing Anything
To protect your rights and interests, it is important to refrain from giving statements or signing anything immediately after a car accident.
In the aftermath of an accident, you may be in shock or unaware of the extent of your injuries and damages. It’s common to have high levels of adrenaline after a car accident, meaning you may not feel potentially deadly injuries after a car accident. Making statements or signing documents without fully understanding their implications can inadvertently jeopardize your claim or admit fault. Insurance companies or other parties involved may use your statements against you to minimize their liability.
By waiting until you have consulted with an experienced attorney, you ensure that your rights are protected, and you avoid making decisions that could negatively impact your ability to receive fair compensation.
5. File for Michigan No-Fault Benefits
All Michigan auto insurance policies fall under the no-fault insurance law. The state requires most drivers to carry personal injury protection (PIP) insurance to cover their own medical expenses after a car accident. As of July 1st, 2020, drivers could choose their preferred level of PIP coverage. Some drivers, such as those insured by Medicare parts A and B, can opt out of medical PIP coverage. Michigan drivers also need property protection insurance to cover repair costs for any damage their vehicle causes to another person’s property.
The no-fault system provides coverage for medical expenses, lost wages, and damage to other people’s property, no matter who is at fault for the accident. This ensures that you receive the necessary compensation to cover medical costs and recover lost income. Additionally, no-fault insurance can allow you to have your vehicle repaired if it was damaged while properly parked.
Filing a no-fault benefits claim immediately after a car accident ensures that your medical expenses are covered as soon as possible, allowing you to receive necessary treatments without worrying about costs. Additionally, it helps secure compensation for lost wages and other related costs, preventing financial strain during your recovery period. Prompt filing also creates a detailed record of your injuries and expenses, which is essential for supporting your claim and avoiding potential disputes with your insurance company.
You have one year from the date of your car accident to file your no-fault benefits claim with your insurer. Failure to do so permanently disables you from recovering the benefits, so it is important to follow legal guidelines and file the claim on time.
6. Get a Copy of the Police Report
It is wise to request a copy of the police report following a car accident in Michigan. This document provides an official and detailed account of the incident, including essential information such as the date, time, and location of the collision, as well as the names and contact details of all parties involved.
It also includes the responding officer’s badge number, observations, and witness statements. The report should contain a preliminary assessment of fault, which can be helpful when dealing with insurance disputes.
Having the police report helps substantiate your account of the accident, supports your claim for damages or injuries, and expedites the claims process. Additionally, in the event of legal disputes, the police report serves as a key piece of evidence, ensuring you have an objective, third-party record to rely on.
7. Follow Up With Your Doctor
Following up with your doctor after a car accident is vital for ensuring your health and well-being. Even if you feel fine immediately after the accident, some injuries, like whiplash, concussions, or internal injuries, may not manifest symptoms right away. Regular follow-up appointments allow your doctor to monitor your recovery progress and adjust treatment plans as necessary.
Additionally, detailed medical records from these visits are important for supporting your insurance claim and can provide essential documentation if you need to pursue legal action for your injuries.
8. Maintain Good, Consistent Records After the Accident
It is a good idea to maintain accurate, consistent records after a car accident. Keeping records of everything will be helpful in your recovery and any subsequent legal or insurance processes.
Keep detailed documentation of all medical treatments, including doctor visits, medications, therapies, and any other healthcare services received. Record any symptoms or changes in your condition, and save all related receipts and invoices.
Additionally, keep a log of any communications with your insurance agent, repair shop, and attorney. Thorough record-keeping helps ensure that you have all necessary information readily available, supports your insurance claims, and provides valuable evidence if legal action is required.
9. Comply With All Insurance Company Notice Requirements
It’s important that you comply with all insurance company notice requirements so that they can process your claim smoothly and efficiently.
Each insurance policy has specific guidelines and deadlines for reporting accidents, submitting documentation, and providing necessary information. Failing to adhere to these requirements can result in delays, reduced benefits, or even denial of your claim.
Promptly notify your insurance company of the accident, provide accurate and thorough information to the adjuster, and submit all requested documents within the specified timeframes. This compliance helps expedite your claim and ensures you receive the maximum compensation within your policy limits.
What to Do After a Car Accident That Was Not Your Fault in Michigan
If you were harmed in a car accident that was not your fault, it is advisable to consult with a Michigan personal injury attorney. An experienced attorney can guide you through the legal process, deal with insurance companies, and explore the possibility of pursuing additional compensation for pain and suffering if your injuries are severe.
What to Do After a Car Accident That Is Your Fault in Michigan
If you were in a car accident that was your fault, there are several legal steps you should take to ensure compliance with state laws and protect your interests.
First, report the accident to the police and obtain an official report. Next, notify your insurance company and provide them with all the necessary details to file a claim under Michigan’s no-fault insurance system, which will cover your medical expenses and lost wages regardless of fault. Document the accident scene, including any damages and injuries, and gather contact information from any witnesses.
It’s also advisable to consult with a skilled car accident attorney to understand your liabilities and rights, particularly if the other party pursues a claim for non-economic damages due to serious injuries.
What to Do After a Minor Car Accident in Michigan
After a minor car accident in Michigan, move your vehicle to a safe location and check for injuries. Call the police to report the accident and obtain an official report. Exchange contact and insurance information with the other driver and document the scene with photos. Collect witness statements if available.
Notify your insurance company immediately and provide all necessary details. Even if you feel uninjured, seek a medical evaluation to identify any hidden issues. Keeping detailed records of all related expenses and communications will help simplify your insurance claim and ensure you receive appropriate compensation.
Contact the Southfield Car Accident Lawyers at Lipton Law Today
If you’ve been involved in a car accident in Michigan, don’t deal with the aftermath alone. Contact the experienced Southfield car accident lawyers at Lipton Law today. We will protect your rights and fight to help you secure the compensation you deserve.
Call (248) 557-1688 or contact us online for a free consultation, and let us help you on the road to recovery.