John T. Alexander
Car Accident | Serving Bingham Farms, MI
248-579-8893Bingham Farms Automobile Accident Law Firm
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Automobile Accident Law Firm
At the law office of John T. Alexander, Personal Injury Attorney, we are here to stand by your side and fight for your full rights under the law. When you been injured, you need someone who knows the law and is willing to fight for all the benefits you deserve.
My name is John Alexander, and I’m a personal injury attorney located in Oakland County, Michigan and serving statewide. Today, I want to talk a little bit about what level of insurance you should retain when driving your car. I have many clients who ask me, well, how much insurance should I have? Or what kind of insurance should I have? And I can give you some general guidelines.
First, with respect to liability insurance, I would maintain at least a half a million to a million dollars of liability insurance. God forbid you get in an accident, you cause someone else some serious injuries, you want the appropriate insurance coverage to help pay for the other person’s pain and suffering, and damages that they may have under Michigan law.
Another option is to get something a little lower but then have an umbrella insurance that is an excess type of insurance; maybe through your homeowners. And it’s really not that much more – maybe 150, $180 dollars to get a million dollar umbrella. This will add an added layer of protection for you.
With respect to your no-fault type of insurance your PIP or personal injury protection aspect of your insurance, there is the term coordinated or uncoordinated that you could choose. For example, when you get insurance, they’re going to ask you, do you want uncoordinated or coordinated? And what that simply means is if you have coordinated, your health insurance carrier becomes the primary payer for your medical expanses with respect to any injuries that you sustain in a motor vehicle accident. And to the extent your auto, your health insurance doesn’t pay, then your auto insurance company will pick up the tab beyond that. Obviously, for having a coordinated policy your insurance company will charge you a reduced or a smaller premium.
Contact us today if you need legal assistance with any of the following:
Call 248-579-8893 today to arrange your free initial consultation.
Attorney John T. Alexander 
John T. Alexander has devoted his Michigan personal injury law practice to helping injured victims obtain the compensation they deserve. John T. Alexander was voted a Super Lawyer© by Law and Politics Magazine on multiple occasions. Only the top 5% of lawyers nationally have achieved this recognition. John T. Alexander is also a lifetime member of the Million Dollar Advocates Forum™ and was voted a National Top 100 Trial Attorney by the National Trial Lawyer’s Association. The name Alexander translated means “defender of mankind.”
John T. Alexander’s personal injury practice areas include automobile accident, motor vehicle, and trucking accidents; wrongful death, catastrophic injury, construction accidents, police brutality, and workers’ compensation cases. It is best to contact us early when we have the chance to preserve evidence, interview witnesses while their memories are fresh, and monitor your medical treatment from the earliest stages. Once we have the facts in hand to support a civil lawsuit, we file the action quickly so that your claims will be taken seriously. To find out how our first-response approach to client service in a serious accident case can work to your advantage, contact the Michigan personal injury attorneys at the Law Offices of John T. Alexander in Bingham Farms / Oakland County, Michigan.
We offer free consultations in any Michigan personal injury or fatal accident case. We accept cases on a contingent fee basis, which means that you pay no attorney’s fees until we win or settle your case to your satisfaction.
Our experience with Michigan personal injury litigation has taught us that insurance companies will not deal seriously with an injured accident victim until they are forced to. At the Michigan Law Offices of John T. Alexander, we make sure that your claim has the insurer’s full attention from the time we file the suit until it either settles favorably or goes to trial.
Another key to our success on behalf of our clients is the care we devote to the development of your damages claim. We make sure that every component of your loss that the law will recognize is included in your damages demand, fully documented, and presented in the most convincing manner possible. We’ll even hold meetings with you in your home or in the hospital if you are incapable of coming to our offices.
Bar Admissions:
- Michigan, 1990
- U.S. District Court Eastern District of Michigan
- U.S. District Court Western District of Michigan
- U.S. Court of Appeals 6th Circuit
Education:
- J.D., University of Detroit Mercy School of Law, Detroit, Michigan, 1990
- Honors: Member, National Moot Court Team, 1989
- Law Review: University of Detroit Law Review, Member, 1989-1990
- A.B., University of Michigan, 1983
Professional Memberships and Achievements:
- Member, State Bar of Michigan
- Member, Hellenic Bar Association
- Member, Michigan Trial Lawyers Association
- Member, American Association for Justice