1st Party Claim:

This is an auto, truck, or motorcycle accident victim’s claim against their own insurance company for personal injury protection (PIP) benefits. These benefits include medical expenses, wage loss, household services, attendant care, and medical mileage. To recover these benefits, you must give specific and detailed written notice to your insurance company within one-year from the date of the accident, and provide proof that the benefits are reasonable and necessary.

3rd Party Claim:

This is an auto, truck, or motorcycle accident victim’s claim against the at-fault party’s insurance company for non-economic damages such as pain, suffering, and excess economic losses. To recover non-economic damages, an accident victim must meet Michigan’s tort threshold for an injury. This means the victim has suffered one of the following injuries; death, serious impairment of a body function, or permanent serious disfigurement. There is a three-year time limit to make a claim against the at-fault driver’s insurance company for one of the injuries mentioned. Only minors or those incapacitated can file a claim beyond that three-year limitation.

The Hamo Law Firm has represented literally thousands of people that were unfortunately injured in auto, truck, or motorcycle accidents, with terrific results for our clients. Contact us today.