Many bicycle accidents result in permanent or sometimes even life ending injuries. In fact, Grand Rapids has the highest ratio of fatal bicycle crashes among all Michigan cities (50% higher than the state average). There are many factors in play, but one of the most obvious is due to the lack of protection a bicycle offers. An experienced Grand Rapids bicycle injury attorney will know the steps to take in order for you to receive compensation for current and future medical costs, lost wages, and other damages.
Payment of Medical Expenses
In Michigan (a no-fault insurance state), medical expenses from a bike injury involving an automobile are covered by:
- The personal injury protection (PIP) of your automotive policy or the policy of someone in your household, OR
- The at-fault driver's automotive insurance policy, OR
- Through the Michigan Assigned Claims Program
Michigan No-Fault Insurance Benefits
Because bike accidents which involve an automobile fall under Michigan's no-fault insurance laws, the following benefits are payable in the event of an accident:
- Expenses. Under Michigan no-fault law, a person is entitled to “all reasonable charges incurred for reasonably necessary products, services, and accommodations for an injured person’s care, recovery, or rehabilitation.” These expenses are payable for life and without any maximum limit.
- Wage Loss Benefits
- Replacement Services
- Survivor's Loss Benefits
Do I Need an Attorney?
The insurance industry is a minefield. Their goal is to settle for as little as possible, and may do so by acting as if they are looking out for your best interests. There are a seemingly infinite number of rules, regulations, laws and fine print that can affect the outcome of your case. For this reason you should not try to handle you own legal case. A qualified attorney will know whether you have a case or not, and can deal with the insurance company while you focus on your recovery.