After a car accident, most people expect their insurance company to simply “do what’s right.” But in Michigan’s complex no-fault system, that’s not always how it works. Insurance adjusters follow strict internal guidelines when determining how much to pay — and often, their goal is to minimize the company’s financial exposure.
Knowing what factors they look for helps you (and your attorney) build a stronger, evidence-backed claim.
Insurance companies assess claims based on documentation, evidence, and liability. Here’s what typically shapes their decisions:
• Police reports and photographs from the scene
• Medical records proving injuries and treatment timelines
• Vehicle damage estimates
• Witness statements and driver testimony
• Comparative fault (if both drivers share some responsibility)
In areas like Troy, Sterling Heights, and Royal Oak, insurers often request detailed repair and medical documentation before they even begin negotiating. Missing or inconsistent information can lead to major delays or denied claims.
Insurance adjusters are trained to protect their company’s bottom line. They might downplay the severity of injuries, question medical treatment, or suggest shared fault to reduce payouts. They could even pressure you to accept an early settlement before you understand the long-term effects of your injuries.
Having a local attorney familiar with Michigan’s no-fault laws ensures you don’t settle for less than you deserve.
An experienced personal injury attorney will gather evidence, manage communication with insurers, and calculate the true value of your claim — including medical costs, lost wages, and pain and suffering.
They’ll also help coordinate with trusted medical professionals to document injuries properly, ensuring every expense is accounted for when negotiating a settlement.
If you’ve been injured in a car accident in Troy, Rochester Hills, or Sterling Heights, working with a Michigan-based legal team that understands local courts and insurance procedures gives you a significant advantage.
Contact Michigan Injury Attorneys today to discuss your case with an experienced legal professional. Our team is dedicated to protecting your rights and maximizing your compensation.
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