What to Do After a Car Accident in Michigan: A Step-By-Step Guide
Car accidents can be disorienting and stressful. In the aftermath of a collision, it’s essential to know the appropriate steps to take, especially in a state like Michigan, with its unique no-fault insurance system.
This guide will walk you through the necessary actions to ensure you’re protected legally, financially, and medically after an accident in the Great Lakes State.
What To Do After an Accident in Michigan: Our Checklist
1. Prioritize Safety First
Immediately after an accident, ensure the safety of everyone involved:
- If the accident is minor and vehicles are obstructing traffic, move them to a safe spot.
- Turn on hazard lights.
- Use safety triangles or cones if you have them.
2. Check for Injuries
Examine yourself and other passengers for any injuries. If anyone is injured, call 911 immediately.
3. Call the Police
Even for minor accidents, it’s beneficial to have an official police report. This can be crucial for insurance claims and potential legal actions.
4. Exchange Information
Exchange the following details with the other driver(s) involved:
- Full name and contact details
- Insurance company and policy number
- Driver’s license and license plate number
- Type, color, and model of the vehicles involved
Avoid discussing the accident’s specifics or admitting fault.
5. Document the Scene
To support any future claims or legal actions:
- Take clear photos of vehicle damages, license plates, and the accident scene.
- Capture road signs, traffic signals, and any visible skid marks.
- If there are witnesses, collect their contact information and statements.
6. Notify Your Insurance Company
Even if you believe you weren’t at fault, promptly inform your insurance provider about the accident. They’ll guide you on the next steps and the claims process within Michigan’s no-fault system.
You can also contact your insurance agent to let them know what happened and help you navigate the claims process.
7. Understand Michigan’s No-Fault Law
Michigan operates under a no-fault insurance system, meaning:
- Your own insurance typically covers your medical expenses and damage to your vehicle, regardless of who’s at fault.
- Michigan’s no-fault insurance protects insured persons from being sued as the result of an automobile accident, except in certain situations.
For the most part, your claim as a result of an automobile accident in Michigan will be covered by your own insurance policy. For more information, review this summary from the Michigan Department of Insurance and Financial Services.
8. Consult an Attorney
Given the complexities of Michigan’s no-fault system, consulting with an attorney experienced in Michigan auto accident laws can be invaluable.
They can guide you on your rights, potential claims, and ensure you receive the benefits you’re entitled to. This could include filing claims against the at-fault driver under certain circumstances.
Navigating the aftermath of a car accident in Michigan can be challenging, but following these steps ensures you’re legally protected and optimally positioned for any necessary claims.
Always prioritize safety, document everything, and don’t hesitate to seek professional advice when in doubt. Stay safe and drive responsibly.
Incase if you any queries feel free to contact us here.