How much should I ask for in my claims settlement in Michigan?

"I was not at fault and have $18,000 in medical bills. My car was totaled and I've been paid out for that.

I know that since Michigan is a no-fault state, my insurance covers everything until we settle for bodily injury. How much should I ask for in my settlement?"

“When deciding on a settlement amount, you’ll need to look at your medical expenses as well any pain and suffering you’ve experienced. While it can be easy to calculate general damages that are monetary-based, it can be harder to decide what pain and suffering should cost.
You’ll need to look at how your life was impacted after the accident. The severity of your injuries is also a huge factor. Typically, most payouts for pain and suffering come in at under $15,000 because most claims are for minor injuries.
Once you have an idea of what you would like, you’ll need to let the at-fault driver’s car insurance company or adjuster know the amount.
From there, they’ll either accept the amount or they’ll counteroffer. It’ll be up to you to accept or reject their counteroffer.
You always have the ability to negotiate and you aren’t required to accept their settlement amount. However, you will eventually need to come to an agreement or hire a lawyer to represent you.
Emily Maracle
Answered on May 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free