Our results speak for themselves:

AUTO ACCIDENT - Oakland County, Michigan: $800,000.00 settlement for a woman who was hit by a handyman going to work. She suffered a tri-malleolar ankle injury which required 3 surgeries.

AUTO ACCIDENT - Wayne County, Michigan: $425,000.00 for a man with multiple bulging disks after a rear-end auto accident with very little damage to his car. Further, our client was a lawyer and missed very little time from work.
See more results.....

 

"I was enjoying a ride on my motorcycle two years ago when a speeding driver collided with me throwing me off of my bike. The information I received from the insurance company was very confusing because I was not in a car when the accident occurred. I met with attorney Michael Morse two weeks later, and he personally took the time to answer all of my questions and explain everything to me so it made sense. Later that year, he handed me a settlement check for over $50,000.00. I would be glad to refer my friends and family to Michael Morse and the Auto Accident Claim Center. "
-Larry Hayduk, Sterling Heights

No Fault Benefits

Anyone involved in a motor vehicle accident in Michigan is entitled to certain benefits, unless they were driving a car that they owned with no insurance. Pedestrians, bicyclists, and maybe even motorcyclists are entitled to no-fault benefits. These benefits include payment of medical expenses, lost wages, household replacement services, attendant care and mileage reimbursement for travel related to medical care. The law specifically excludes motorcycles from no-fault insurance coverage unless the motorcycle is involved in an accident with a vehicle, or other special situations. There are too many examples to give here, but a free legal consultation will be given if you call our toll-free number.

Priority Of Insurance Policies:
One rule that confuses many clients is that even if you are rear-ended or the accident is not your fault, you still must make a claim against your own insurance company. If you do not have insurance, then you must make a claim with the insurance company of a resident relative's policy, even if that person or that person's car had nothing to do with the accident. This is true for anyone involved in an accident, whether in a car, truck, or a person crossing the street. If you are driving your employer's car at the time, then your employer's insurance company must pay. If you are on a motorcycle, then the negligent driver's car insurance company must handle your benefits. This area can get very confusing, but we can help you figure out who is the responsible insurer.

Medical Expenses:
The No-Fault Law allows a person to obtain all allowable expenses, which is defined as "all reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person's care, recovery or rehabilitation." These expenses usually include doctor bills, hospital bills, medication, medical equipment and rehabilitation expenses. A person seriously injured, such as a quadriplegic or paraplegic, may be entitled to additional benefits including modifications to a home or van for wheelchair accessibility. Michigan Attendant or aide care, provided by a loved one, neighbor or an outside agency, will be reimbursed at an hourly rate. My office provides free advice on Michigan Attendant Care Benefits.

Lost Wages Or Earnings:
Work loss benefits are payable to an injured person for three years following an accident, covering 85% of the gross lost wages. The maximum benefit is raised annually; for 2007 it is $4,589.00 per month. A doctor's disability slip and proof that you were earning a wage are required. If you were still looking for work or were temporarily unemployed at the time of an accident, you will still be able to receive benefits. If your earnings exceed the statutory maximum, then additional wages lost can usually be collected from the negligent driver's automobile insurer.

Replacement Services:
A person may obtain up to $20.00 per day in household replacement services. This benefit is paid during the first 3 years after the date of the accident. The usual household replacement services include cleaning, snow removal, lawn mowing, baby-sitting, grocery shopping, running errands, preparing meals, or anything around the home that the injured person used to do, but can no longer do because of the accident.

Mileage Expenses:
Transportation expenses incurred for the purpose of obtaining medical treatment is also a benefit that can be recovered. My office provides free forms to help you keep track of your mileage and reimbursement. I will fax or mail these forms to you free of charge. All you need to do is contact us at the number below, or e-mail your request. Most of the time a standard mileage rate is paid by the insurance company generally between 14 and 37 cents per mile.

Death:
In the event of death, no-fault benefits can be paid to surviving dependents. These benefits consist of "contributions of tangible things of economic value" that dependents would have received for their support. "Tangible things" under the law include lost wages, social security benefits, worker's compensation benefits, pension benefits, medical insurance premiums and fringe benefits. The $20.00 per day household replacement benefit is paid in addition to this amount. Also, funeral expenses are payable in the amount specified in the person's no-fault insurance policy. There are other special situations where someone has died in an auto/truck/motorcycle accident which can be fully discussed by calling our 800 number or e-mailing Michael J. Morse personally at Michael@morse-law.com