Can Insurance Company Suspend Drivers License?
If you’re involved in a car accident, you probably have lots of questions. What should you do, can you handle your insurance claim alone, and can your insurance company suspend your driver’s license? The Mike Morse Law Firm understands how important the answers to these questions are.
Can an Insurance Company Suspend Your Driver’s License?
No, it can’t. Your insurance company doesn’t have that power and never has.
Michigan’s laws governing driver license suspensions changed in October, 2021. Previously, Michigan drivers could face a suspended license for things like unpaid fees, missed court appointments, and other issues not related to driving.
Driving on a suspended or revoked license is a serious infraction, but people still need to drive to work. The Michigan legislature made changes to the laws so that a suspended license is a punishment for appropriately related offenses.
What Can Your Insurance Company Do If You Cause an Accident?
Even though you purchase car insurance policies, an insurance company can choose to make changes to your policy if you fail to make payments, cause an accident, have too many tickets or other driving infractions, and more. An insurance company may raise your premium amount or choose to refuse coverage.
Can Your License Still Be Suspended Under Michigan’s New Laws?
Although many reasons your license could be suspended are no longer valid, you can still receive a suspension for things like:
- An accumulation of points on your driving record
- Driving under the influence of drugs or alcohol
- Reckless driving
- Committing a felony using a motor vehicle
An attorney from the Mike Morse Law Firm can explain further.
What Should You Do After a Car Accident?
Whether you or someone else caused a collision, there are several things you should do if you’re involved in a car accident.
Assess and Assist
Car crashes can cause injuries, some of them severe or even fatal. It’s likely that several people sustained injuries; after evaluating your own condition, try to help others if you can.
More than one person may call the police to report your accident. However, you might have valuable information that other callers don’t possess. You may be able to describe the number of people involved and the kinds of injuries they sustained, and that can save lives. Dispatchers need that kind of information to determine how many first responders to send to an accident scene.
Use Your Phone
You have a unique opportunity to gather evidence to support a personal injury claim or to prove that you didn’t cause the accident. By the time police and investigators arrive, things could change. Take photos and videos of details like:
- Vehicle damage and placement
- The entire accident scene from different angles, including skid marks
- Witness statements
- Any road conditions or obstacles that contributed to the accident
- Weather conditions and visibility
- Your recollection of events leading up to the crash
- Any other relevant details
Heavy winds, rain, and snow can cover or move evidence that may help investigators determine how an accident happened. The evidence you gather may prove to be vital.
Accept or Seek Medical Attention
Even if you don’t think your injuries are severe, you should always accept medical attention offered at the scene of an accident. If medical personnel aren’t dispatched, seek an assessment from a clinic, doctor, or hospital immediately after you leave.
Why? There are two main reasons. Some injuries aren’t visible to the naked eye, and others take time to develop. Adrenaline may mask pain, and you might not be aware of your injuries. Medical personnel know how to assess your physical state and identify issues that could become serious or life-threatening if left untreated.
Opposing attorneys or insurance companies may assert that you didn’t receive your injuries in the accident. When a medical professional assesses your condition, they will create a report that documents their findings. Your attorney can use this report to support your personal injury claim.
Contact a Car Accident Attorney
You don’t have to contact a lawyer immediately, but doing so can provide several advantages.
Can You Handle Your Car Accident Claim Alone?
You don’t have to hire a lawyer to represent you or assist in filing your insurance claim. You can do it on your own, but why would you? A competent car accident attorney already understands the applicable laws and how to investigate and prepare a solid claim.
Any attorney can represent you, but not every lawyer focuses on personal injury cases. You wouldn’t hire an electrician to fix a plumbing issue, right? That same concept applies to the kind of lawyer you need.
When you choose the Mike Morse Law Firm, you’ll get several benefits:
- There are things you might do innocently that may damage your case, but your attorney will advise you during the entire process.
- You won’t have to speak to insurance company investigators or representatives because your lawyer can do it for you.
- The legal team assigned to your case will investigate your accident to ensure that fault is assigned fairly and to gather evidence to support your claim.
- We will prepare and file all paperwork for you.
- Your attorney will negotiate with liable insurance companies to reach a favorable settlement offer, or we will take your case to trial.
- You won’t pay any fees unless we win compensation for you.
Another benefit of hiring an attorney to represent you is that many people get more compensation with a lawyer’s assistance.
What Kinds of Compensation Can You Get in a Car Accident Claim?
Michigan laws require licensed drivers to purchase personal injury protection insurance. This policy should pay for specific expenses up to your policy limit regardless of who is at fault for causing a collision.
You may need to file an insurance claim against the at-fault party or a civil lawsuit to obtain certain damages, but your circumstances impact your eligibility. Ask your Mike Morse Law Firm attorney to tell you what kinds of compensation apply to your specific accident.
You’ll likely incur different types of expenses as a result of a car accident, and economic damages compensate you for them. These include:
- Medical expenses
- Lost wages
- Certain daily expenses
- Property damage repair or replacement
Keep your bills and receipts for these expenses.
If your case qualifies, you may be able to seek compensation for things like:
- Metal, emotional, or physical pain and suffering
- Losing your ability to enjoy life
- PTSD, anxiety, and depression
- Damage to personal relationships
Your attorney will tell you if you’re eligible to pursue these damages.
These are rare, but if the guilty party exhibited extreme types of behavior, injured accident victims may be awarded compensation.
Why Should You Hire the Mike Morse Law Firm?
The Mike Morse Law Firm is Michigan’s largest personal injury firm. We have over 2,500 five-star reviews, and we’ve won over $1 billion for our clients. In short, we know what we’re doing. If you want the power, experience, knowledge, and resources associated with a large law firm combined with personal attention and direct access to your attorney, contact us.
You can reach us 24/7 for more information or to request your free and confidential case evaluation. Call us at 855-MIKE-WINS or (855) 645-3946, email us, use live chat, or submit our online contact form. You can expect a prompt response. We’ll tell you if you have a case and how we can assist you.