Before you think about settlement amounts, focus on two priorities: medical stability and documentation.
- Get checked promptly. Even if pain seems “mild,” internal injuries can evolve. In Michigan, insurers often look closely at how quickly you sought care and what clinicians documented.
- Ask for copies of your records. Imaging reports, discharge paperwork, and follow-up instructions are not optional for a claim. If you’re told to monitor symptoms, keep that written guidance.
- Write down your incident while it’s fresh. Include where it happened (parking lot, roadway, workplace), how it happened (impact, fall, seatbelt/airbag, twisting motion), and when symptoms changed.
If you already contacted an insurer and said a few things, don’t panic—your next step is to align what you do and say with what your medical records support.


