Why does the choice of a rehabilitation facility matter?

The facility can affect the quality, consistency, and long-term direction of care. A specialized rehabilitation facility may provide coordinated therapy, experienced clinicians, adaptive equipment, and documentation that helps show what treatment the injured person needs now and in the future.

Does insurance cover the full cost of long-term rehabilitation?

Not always. Coverage depends on the policy, the type of claim, medical necessity, and available benefits. Long-term rehabilitation can involve therapy, equipment, home modifications, transportation, and future care needs that insurers may dispute or only partially cover.

What happens if the insurance company denies my rehabilitation treatment?

A denial does not always end the matter. The decision may be challenged with medical records, physician opinions, treatment plans, and other evidence showing why the rehabilitation is necessary. Legal help can be important when an insurer refuses or delays care after a catastrophic injury.

How can a Michigan lawyer help with my long-term rehabilitation needs?

A Michigan personal injury lawyer can gather medical evidence, work with experts to document future care needs, address insurance disputes, and pursue compensation for rehabilitation costs tied to the injury. The goal is to protect the injured person's access to necessary care and account for long-term losses.

WHAT BENEFITS AM I ENTITLED TO AFTER A CAR ACCIDENT?

Your Benefits After A Car Accident

If you have auto insurance, you have no-fault accident insurance coverage in Michigan. If someone in your household has auto insurance, you have no-fault insurance. If you are injured in a motor vehicle accident with a vehicle that has more than two wheels, you are entitled to unlimited medical benefits to cover the costs of accident-related injuries for life.

Most people carry coordinated (excess) coverage as opposed to full medical coverage on their no-fault policy because there is a slight premium reduction with coordinated coverage. If you have coordinated coverage, your health care insurance or HMO will cover initial medical costs, while your no-fault insurance will cover what is not covered by your health insurance.

You need to speak with a lawyer if:

Your no-fault insurance provider is trying to minimize payments to you, and they will try to minimize your benefits.
You need compensation above and beyond what no-fault coverage will provide. In catastrophic injury cases, this is common.
You were riding a motorcycle at the time of your accident. Motorcyclists are excluded from no-fault coverage unless involved in an accident with a vehicle that has more than two wheels.

So, Exactly What Benefits Are You Entitled To After A Car Accident?

Medical benefits:
- All reasonable charges for products, services and accommodations that are necessary for your care, recovery and rehabilitation
- Up to three years of lost wages
Vocational rehabilitation or education, plus room and board while attending such training
Legal fees for the appointment and maintenance of a guardianship or conservatorship
Case management services with a case manager of your choice — you do not have to retain the case manager the insurance company provides

Generally, you will have to make a collision damage claim for the damages to your vehicle. Your no-fault insurance coverage will cover up to $1,000 of vehicle damage repairs, but this is usually far below the actual cost of damages.

Should You File A Lawsuit For Additional Compensation?

If you have questions about your coverage or concerns about dealing with the insurance company, you should call our firm today. The sooner you contact us, the sooner we can go to work for you.

We pursue first-party and third-party insurance lawsuits in serious car accidents cases daily at Atnip & Associates, PLLC. When you work with our attorneys, we treat you like part of the family through every step of the legal process. You likely need and deserve more coverage. Your full recovery is important to us.

Please call us at 248-599-1607 in Rochester Hills or Escanaba, or contact us by email to schedule a free consultation with one of our attorneys. We serve people throughout metro Detroit and the UP.