How To File an Insurance Claim

How My Fellow Michigan Residents Can File a Claim the Right Way

As a person who is insured by Michigan auto insurance, or looking to become so, it's essential that you not only understand what your policy covers, but what to do in the event that you have a claim. Too often people will become involved in accidents and not know what to do until it's too late. Before you hit the road, take a moment to consider your rights and obligations if you were to become involved in an accident.

  • Be honest. The most important thing to remember is to to never lie to law enforcement or insurance companies about the accident in which you were involved. Frequently, people will think that one white lie won't hurt them, but will make them look better in the eyes of the law. The truth is that if you're caught lying about the injuries you sustained during a car accident, you can lose your entire right to sue.
  • Document everything. Of course everyone's goal is to have everything handled quickly and easily by the respective Michigan auto insurance companies. However, it's common for there to be disagreements and disputes about the specifics of the accident and the resulting injuries. Be sure to document everything, from the details of the car accident, to your injuries. Don't just write down what and where your injuries are - write down how they impact your life as well.
  • Communicate with your Michigan auto insurance company. If you've done your research when choosing your Michigan auto insurance company, hopefully you've ended up with a company that's responsive and has your best interest in mind. They should want to hear from you frequently. Each time you hear from the other party or their insurance company, you should be sure to document it and notify your own insurance rep.
  • Pay attention to time limits. One of the most frustrating things about injuries sustained in car accidents is that they aren't always easily noticed immediately after an accident. Sometimes they take weeks or even months to surface. However, there is a statute of limitations on how long you have to file a lawsuit or request various kinds of compensation for a Michigan auto insurance company. These limits vary based on the type of injury and what you're requesting, but it's important to understand that they exist and to be mindful of them.

The bottom line is that when you're involved in an auto accident, you need to be cooperative. Communicate openly with your Michigan auto insurance company and let them guide you. Helping you through the difficult time following an accident is, after all, what you're paying them a premium to do.


We offer more insurance tips and information on insurance laws on our website, where you can also get Michigan auto insurance quotes while you're there!

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