Southfield is no stranger to traffic, but the recent surge in car accidents has pushed the city into crisis territory. More collisions. More injuries. More lives permanently changed. Whether it’s the congested stretches of Southfield Freeway, chaotic intersections on Telegraph, or daily gridlock near Evergreen and 12 Mile, the risks are real—and they’re rising.

This isn't just about numbers. It's about people. Behind every crash statistic is a family forced into chaos. A parent who can no longer work. A child recovering from trauma. A loved one lost far too soon. We see the toll these accidents take—not just physically, but emotionally and financially.

Here’s the truth: you don’t have to go through this alone. Michigan law gives you the right to seek compensation when another driver’s negligence causes you harm. Whether it's for medical costs, lost income, or the pain that doesn't go away, you may be entitled to recover—and hold the at-fault party accountable.

At Marko Law, we don’t let victims get brushed aside. We fight hard—and we don’t back down. If you’ve been hurt in a Southfield car accident, it’s time to understand your rights and explore your legal options. Let’s take the first step toward justice.

Your Legal Rights After a Michigan Car Accident

Michigan Is a No-Fault State

Under Michigan’s no-fault law, your own auto insurance provides coverage for medical bills, wage loss, and other essential benefits, regardless of who caused the accident. This system is designed to get injured drivers and passengers prompt medical care without needing to prove fault.

While no-fault benefits can cover your immediate financial needs, they don’t compensate for pain and suffering, emotional trauma, or long-term damages caused by someone else’s negligence. For that, you may need to pursue a lawsuit outside the no-fault system.

Your Right to Personal Injury Protection (PIP) Benefits

Michigan drivers are entitled to PIP coverage, which may include:

• Medical expenses (based on policy limits)
• Lost wages (typically up to three years)
• Attendant care and replacement services

When You Can Sue the At-Fault Driver

To pursue a liability claim and recover non-economic damages (like pain and suffering), you must meet one of Michigan’s legal thresholds. You can step outside the no-fault system and sue the other driver when the crash causes:

• Serious impairment of a bodily function
  This includes injuries that impact your ability to work, care for yourself, or live your daily life—even if not permanent.
• Permanent disfigurement
  Scars, burns, or any visible injuries that cause lasting physical damage.
• Death
  In fatal crashes, the victim’s family may bring a wrongful death claim to seek justice and compensation.

Understanding Michigan’s Modified Comparative Negligence Rule

How Fault Impacts Compensation

Under this rule, your compensation is reduced by your percentage of fault. So if you’re found 20% at fault for the accident, your damages will be reduced by 20%. A $100,000 recovery becomes $80,000.

This applies to both economic damages (like lost wages or medical bills not covered by no-fault) and non-economic damages (such as pain and suffering), but there’s a critical limit.

The 51% Bar to Recovery

If you are found to be more than 50% at fault, you lose the right to recover any non-economic damages—even if your injuries are severe or life-altering. That means no compensation for pain, suffering, emotional distress, or diminished quality of life.

This rule gives insurance companies an incentive to shift blame onto you—even when their driver was clearly at fault.

What Victims Can Recover in a Lawsuit

Economic Damages

These are your tangible, out-of-pocket losses—the kind that can be calculated with receipts, bills, or pay stubs.

• Medical Bills (Past and Future)
  You can recover costs for emergency care, surgeries, follow-up appointments, physical therapy, prescription meds, and any future treatment you’ll need.
• Lost Income or Diminished Earning Capacity
  If your injury keeps you out of work, you’re entitled to recover that lost income. If you can’t return to your job or earn at the same level due to your injuries, you can also claim future lost wages or earning potential.
• Rehabilitation and Long-Term Care
  Accidents involving spinal cord injuries, traumatic brain injuries, or amputations may require months—or years—of rehab and support. These long-term care needs are compensable.

Non-Economic Damages

These damages recognize that not all harm can be measured in dollars. Pain, mental anguish, and the loss of your normal life matter too.

• Pain and Suffering
  This includes both physical pain and the emotional toll of living with a serious injury.
• Loss of Enjoyment of Life
  If your injuries prevent you from doing what you love—playing with your kids, enjoying hobbies, traveling—you can seek compensation.
• Emotional Distress
  Anxiety, PTSD, depression, sleep disruption, or fear of driving again are real effects that deserve real compensation.

Wrongful Death Claims

If a loved one was killed in a Southfield car accident, Michigan law allows their family to pursue a wrongful death lawsuit. These claims can seek damages for:

• Funeral and burial expenses
• Loss of companionship
• Loss of the loved one’s income and support
• Mental anguish suffered by surviving family members

How Long Do You Have to File a Claim?

Michigan’s Statute of Limitations

Here’s what you need to know:

• Personal Injury Lawsuits:
  You generally have 3 years from the date of the crash to file a lawsuit against the at-fault driver. This includes claims for pain and suffering, lost future income, and other damages outside the no-fault system.
• No-Fault Claims (PIP Benefits):
  You typically have 1 year to file a claim with your own insurance company for Personal Injury Protection (PIP) benefits. These include medical expenses, lost wages, and replacement services. If you don’t file within that time, your claim may be denied—even if you’re still being treated.

These deadlines are unforgiving. There are very few exceptions. Once time runs out, your legal options vanish—regardless of how serious your injuries are or how clear the other driver’s fault was.

What to Do Immediately After a Southfield Car Accident

Call 911 and Seek Emergency Medical Care

Your safety comes first. If anyone is injured—or if there’s property damage—call 911 right away. Emergency responders can treat injuries on scene and take you to the hospital if needed. Even if you feel "fine," internal injuries may not show symptoms right away. Get checked out.

Document the Scene

Use your phone to gather evidence before anything changes:

• Take photos of the vehicles, skid marks, road conditions, and surroundings.
• Record video for a full view of the scene.
• Get the names and contact info of any witnesses, as well as the other driver’s license and insurance information.

This documentation is critical. It preserves the truth when the other driver—or their insurer—tries to shift blame later.

File a Police Report

Always make sure a police report is filed. It creates an official record of the crash and often includes important details like witness statements, citations, and the officer’s initial findings. Ask for the report number—you’ll need it for your insurance claim and legal case.

Notify Your Insurance Provider

Contact your insurance company as soon as possible to report the crash. But be cautious: keep it brief and don’t speculate about who was at fault. Stick to the facts and avoid making any recorded statements until you've spoken to a lawyer.

Call a Qualified Attorney—Before Speaking to Any Adjuster

Insurance adjusters may reach out quickly, often within hours. Their goal? Get you on record and limit what they owe. Do not speak to them without legal representation.

At Marko Law, we know how to shield you from aggressive insurance tactics. We take over communication, investigate your claim, and fight for the compensation you deserve.

You Don’t Have to Face This Alone

After a car accident, it’s easy to feel powerless. The system is complex. Insurance companies are aggressive. And while you’re trying to heal, the bills, phone calls, and stress don’t stop. But here’s the truth: you are not alone—and you do have power.

You have the right to demand accountability. You have the right to seek full compensation for every way this crash has affected your life—physically, financially, emotionally. And you have the right to a legal team that will treat your case like it matters—because it does.

At Marko Law, we’ve seen firsthand how devastating Southfield car accidents can be. We’ve stood beside crash victims through surgeries, lost jobs, long recoveries, and grief that never fully fades. And we’ve gone head-to-head with insurance giants to win justice where it was deserved.

Contact Marko Law for a Free Case Evaluation
📞 Phone: +1-313-777-7777
📍 Main Office: 220 W. Congress, 4th Floor, Detroit, MI 48226
🌐 Website: www.markolaw.com

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