Lewiston, CA Personal Injury Law Firms & Lawyers

Often times premises owners have liability insurance that includes a "med pay" rider or coverage, wherein uninsured/unreimbursed medical bills can be paid up to the limits of that coverage (which is usually only a few thousand dollars). Such coverage applies without regard to proving fault or negligence, which tends to be hard to do in MI due to the "open & obvious" doctrine that bars claims for "hazards" that should have been seen, and thus avoided, "upon casual observation". There are exceptions to the doctrine, so you would need to consult local counsel with your specific facts to determine the efficacy of any case. Although, situations in which your injuries are not severe (ie: fractures, disability from work, long term treatment, etc.) typically are not able to be brought as the cost of bringing same may exceed what can be recovered in settlement and/or verdict. Again, a consult with a local lawyer who typically handles these cases is your best bet to get all your questions answered. Good luck.

The insurance company for the driver at fault has an obligation to fix your car or pay you for the reasonable value of the car if they are going to declare it a total loss. If you are "upside down" in the car (the value is less than the amount left on the car loan) then you will have to come out of pocket to retire the loan. They only have to pay you the reasonable value of the car if it is totaled.