In Michigan we have No Fault insurance such that your own insurer is supposed to pay your PIP benefits, which consist of wage loss, medical bills and replacement services as required/documented by your treating physician(s). There is little reason for your insurer not to pay these benefits if you have filed your written Application for Benefits (AFB) within one (1) year of the crash and supplied proof of your losses. If they refuse to pay despite proof, hire a lawyer and sue them. The insurer for any owner/driver of a vehicle that you can prove was negligent only pays your pain and suffering claim if you prove you suffered threshold injuries as required by the No Fault Statute. Consulting an attorney that regularly handles these type of cases makes some sense to help you decide if you have a threshold case.
Answered on Sep 26th, 2013 at 2:37 AM