As Michiganders, we cherish our time outdoors—whether it’s a morning bike ride on the TART or a walk through the heart of Ludington. But when a vehicle enters the equation, the vulnerability of a pedestrian or cyclist is unmatched. In an instant, a peaceful afternoon can turn into a life-altering event.
Having stood by the side of many neighbors through these difficult moments, we know the fear and confusion that follow a crash. Protecting your rights isn’t just about legal technicalities; it’s about ensuring you have the resources to heal. Here is what every Michigan resident needs to know when involved in a bicycle/pedestrian accident.
Prioritize Your Immediate Health
The adrenaline following a collision can mask severe internal injuries. Your first priority must be medical attention. In Michigan, even if you don’t feel "broken," complications like concussions or internal bruising may not appear for hours. Seeking care immediately creates a documented link between the accident and your injuries—a critical component for any future claim.
The Role of Michigan No-Fault Insurance
Michigan’s insurance laws are unique and often confusing. Even if you were on a bike or on foot, you are likely entitled to Personal Injury Protection (PIP) benefits if a motor vehicle was involved. This can cover medical expenses and lost wages regardless of who was at fault.
If you have your own auto insurance policy, that is typically your primary source for benefits. If you don’t, you may be covered by a resident relative’s policy or the Michigan Assigned Claims Plan (MACP). Understanding which "priority" applies to you is vital to getting your bills paid on time.
Gather Evidence at the Scene
If your injuries allow, or if a companion is with you, try to secure the following:
- Police Reports: Always call 911. A formal report is the foundation of your case.
- Photos: Document the position of the vehicle, your bike, road conditions, and any visible injuries.
- Witness Info: Pedestrians and cyclists are often hit in busy areas. Get names and phone numbers of those who saw what happened.
Avoid Early Settlements
Insurance adjusters often reach out quickly, offering a settlement that seems helpful. However, these early offers rarely account for the long-term costs of physical therapy, future surgeries, or the emotional toll of the accident. Do not sign anything until you have had your case reviewed by a professional who understands the true value of your claim.
Pedestrian Accident Attorneys in Traverse City
You don't have to carry this burden alone. At Miller Embury PLLC, we are dedicated to helping our fellow Michigan residents navigate the complexities of No-Fault law and personal injury claims with the empathy and experience you deserve.
If you’ve been injured, reach out to us today at (888) 224-1239 for a consultation. Let us focus on the legal battle while you focus on your recovery.
