My question involves an injury that occurred in the state of: Michigan.
I was involved in an auto accident in which the other driver was 100% found at fault for the accident. It's been 41 days since the accident and I've had 3 trips to the emergency room, 3 weeks of physical therapy, 2 doctor visits and I've now been placed on a medical leave of absence from work due to my back pain and injuries. I will also be receiving injections next month and surgery has not been ruled out. With all that being said, I was hoping to have a few questions answered.
1. Lost Wages - Does my insurance company only cover my weekly salary? I'm also losing profit sharing and quarterly bonus contributions. If they don't, I'm assuming this is something I would have to litigate with the other driver's insurance company?
2. Michigan Law requires there be that the injured person has suffered death, serious impairment of body function, or permanent serious disfigurement to seek "pain and suffering" damages. What does "serious impairment of body function" exactly mean? Ex: I am unable to perform my job duties. I can't perform many of outside work activities (running, playing with my kids, bending over, lifting anything heavy, exercising, walking my dog etc.) Is there a certain amount of time that must elapse before I should consider consulting with an attorney? What kind of realistic expectations should I have for a settlement?