Lyons, GA Personal Injury Law Firms & Lawyers

In Michigan, when you are in a car crash, your own car insurance company will pay your Personal Injury Protection (PIP) benefits. These consist of any wage loss @ 85% of your gross wage; your related medical treatment costs; and any required household help a/k/a replacement services. There are 3 year time limits on the wage/help benefits, but lifetime benefits re: medical care, treatment and testing. Thus, none of this has anything to do with a claim vs. the other vehicle owner/driver. You may also make a so-called 3rd party claim against the other vehicle owner/driver if you can prove their negligence in causing the crash, the proximate cause of any injuries you claim to the crash event and if you sustained threshold injuries of a serious impairment of a body function and/or permanent, serious disfigurement.

If your mother has comprehensive or collision coverage on her vehicle, she can simply claim under her own policy and allow them to "go after" the other insurance company. She will get a more friendly audience with her own company. If she does not have comprehensive/collision insurance on her vehicle and the other side won't accept liability, she will have to sue and seek damages. Make sure to preserve any evidence of the collision, and try to find out if there were any witnesses to the accident, in order to help your future attorney.

You need a personal injury attorney, or, more generally, a civil litigation attorney. Talk to your insurance company: many insurance policies include coverage for attorney representation in litigation concerning covered events, and the insurer can be very specific about who should be representing you if you want the insurer to pay for your attorney's work. Regards.