A serious injury in Michigan throws you into a confusing mix of your own no-fault insurer, the at-fault party, and real questions about what any of it will pay. Across Wayne County, at Schefman & Associates, we handle injury claims for people facing off with insurers, and can show you where your strongest sources of recovery actually sit.
Accidents We Take On Across Wayne County
Our firm represents people hurt in the kinds of incidents that fill Wayne County emergency rooms. Personal injury cases we regularly handle include:
- Car accidents
- Truck accidents
- Commercial vehicle accidents
- Drunk driving accidents
- Hit-and-run accidents
- Pedestrian accidents
- Bicycle accidents
- Motorcycle accidents
- Uber and Lyft accidents
- No-fault insurance claims
- Wrongful death
- Medical malpractice
These crashes cluster on Wayne County’s heavy commuter routes, from Interstate 96 to Telegraph Road, and in the busy commercial districts of Dearborn, Livonia, and Westland. Different facts drive each claim, yet the core challenge stays the same: proving the harm and forcing an insurer to value it honestly.
How Much Is My Personal Injury Claim Worth?
Your claim’s value is not a fixed number, and the first figure an insurer floats usually sits below what the full picture supports. The real value tracks the weight of the harm, shaped by factors like these:
- Severity of your injuries
- Permanence of the injury
- Impact on your daily life
- Lost income and earning ability
- Insurance coverage in play
Where the dispute lands matters too. If negotiations stall and your case proceeds to a lawsuit, it is filed in the county’s circuit court in Detroit, where a judge or jury weighs the same factors an adjuster tried to minimize.
What Compensation Can I Recover for My Injuries?
Michigan splits your recovery across two tracks. The first is no-fault coverage through your own auto policy, set out in MCL 500.3107, which pays reasonable medical care, 85% of lost wages for up to three years, and up to $20 a day for household help.
These benefits, which also include attendant care and household service reimbursements, come from your own insurer and pay out regardless of who caused the crash, so you do not need to win a lawsuit or prove fault to start collecting them. The insurer must be placed on notice within one year of the collision, and a suit for benefits must be filed within one year from the date any benefit was incurred.
The second track is a claim against the at-fault party, which opens the door to pain, suffering, and the losses no-fault leaves out. That claim requires meeting the statutory threshold of serious impairment of body function under MCL 500.3135. If insurance is not available for the at-fault driver, or that coverage is not sufficient for the nature of your injuries, your own uninsured or underinsured motorist coverage may be tapped, but your injuries must still meet the threshold. For wage loss in excess of the no-fault statutory maximum, the threshold does not apply.
Why Choose Our Personal Injury Firm in Wayne County?
More than 60 years of collective experience and a record of recovering tens of millions for injury victims back what our firm does. Your attorney will be at the initial interview and direct the case from then on, not a call center, and the firm fronts the costs of your case. There is no fee unless we collect for you.
Talk to Our Personal Injury Lawyers Today
An insurance company has a team working to limit what it pays you. You should have the same on your side, and our firm only gets paid if you do.
Our personal injury lawyers in Wayne County can look at your situation and lay out your options at no charge. Call Schefman & Associates at Call (248) 594-2600 or contact us online to set up a free consultation to learn what your claim may be worth.