Car accident – (248)-588-3333- What to do
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What can I do to make sure my car is repaired quickly following the accident?
Your best bet is to make sure that your car insurance includes collision coverage. That way, you are not dependent on the other driver’s insurance company in order to get your car repaired. With collision coverage, your own insurance will cover it, and your insurance company may or may not try to get the other insurance company to reimburse them.
What else should I look out for in my car insurance policy?
Make absolutely sure that your policy does not have a “step down clause”. A step down clause is a deceptive little clause that limits what your insurer needs to pay it if the accident involves one of your own family members. In other words, a complete stranger would be treated less harshly than your own flesh and blood.
When is a car a “total loss”?
In Michigan a car is a total loss when the damage is 75 percent or greater. At that point the insurance company must declare it totaled and apply for salvage title. You will not need or be able to get it repaired.
Should I cooperate with the insurance adjuster from the other driver’s insurance company?
No, you should not. You are not required to and anything you say is more likely to hurt than help. They were hired by people who do not want the other driver to be at fault, do not help them accomplish that. The same goes for the adjuster from your own insurance company. Their goal is to reduce the amount that the insurance company must pay, which is often not to your benefit.
Is there anything else I should do to ensure the success of my claim/lawsuit?
It is highly recommended that your refrain from posting about the accident or the aftermath on social media until after your case is concluded. A picture of you smiling and seemingly healthy can serve as evidence to undermine your claims about the severity of your injuries.
Is there a statute of limitations on a car accident lawsuit?
Yes, the lawsuit must be filed within three years.
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