In Michigan your insurer pays to repair/replace your vehicle. If there are uncovered property damages, you can make a mini-tort claim against the truck's insurer (this only provides limited coverage). If you have a serious impairment of a body function and/or permanent serious disfigurement (or death) you can make a personal injury claim against the bakery which it's vehicle insurer should defend/pay. If you have wage loss, medical treatment expenses or the need for household help, you have your insurer pay these (by properly and timely filling out their forms, providing proof of loss). If you have more specific questions, it's time to have a consultation with a local lawyer that regularly handles these types of cases.
Answered on May 29th, 2015 at 10:42 AM