Your Doctor Said You're Fine. The Insurance Company Agrees.
The insurance company's doctor spent 20 minutes with you and wrote a report that said you were fine. Now that report is the number on the table. What it does not include is the herniated disc that showed up three months later, the PTSD diagnosis your treating physician never formally documented, or the surgery you may need in two years that nobody has priced out yet. Once you sign, none of that is their problem anymore. It becomes yours. This post breaks down what an IME actually is, why 'maximum medical improvement' is not the same as recovered, and what to ask your doctor before you let anyone close your file.
What to Do After a Car Accident in Michigan: A Step-by-Step Legal Guide
Michigan gives you a three-year window to file a car accident lawsuit. Insurance companies use every day of it to build their case against yours. This guide walks you through exactly what to do in the hours after a crash, from what to say to the police to why you should never give a recorded statement without an attorney. Michigan's No-Fault law is complicated. The steps to protect your claim are not.
Why Michigan Insurance Adjusters Call You Within 24 Hours, And Why You Shouldn't Talk to Them
That call from the insurance adjuster wasn't a courtesy. It came fast because fast works in their favor, not yours. Before you know your full injuries, before you've talked to a lawyer, they want your words on record. This post breaks down exactly what they're trying to accomplish and what Michigan law actually requires you to say. Read it before you call them back.