How Michigan’s No-Fault Insurance Affects Your Injury Claim

Michigan’s no-fault insurance system is designed to provide quick compensation for accident victims, but it also limits when and how you can file a lawsuit. Understanding how no-fault insurance works is essential for protecting your rights and maximizing your compensation.

1. What Is Michigan’s No-Fault Insurance System?

Unlike traditional auto insurance systems where the at-fault driver’s insurance pays for damages, Michigan’s no-fault system requires each driver’s own insurance to cover their medical expenses and lost wages, regardless of who caused the accident.

Under Michigan’s Personal Injury Protection (PIP) benefits, no-fault insurance covers:

• Medical expenses related to the accident
• Lost wages (typically up to three years)
• Replacement services for household tasks you can’t perform
• Survivor’s benefits if the accident results in death

2. Can You Sue an At-Fault Driver in Michigan?

Since no-fault insurance covers most accident-related costs, Michigan law limits when you can sue an at-fault driver. You may file a lawsuit only if your injuries meet Michigan’s “serious impairment” threshold, which includes:

• Permanent disfigurement
• Significant impairment of an important bodily function
• Death

If your injuries qualify, you may be able to pursue additional damages, such as pain and suffering, from the at-fault driver.

3. Changes in Michigan’s No-Fault Law

Michigan’s no-fault system has undergone significant changes in recent years, including:

• Choice of PIP coverage levels – Drivers can now choose different levels of medical coverage, affecting the benefits they receive.
• Limitations on medical provider payments – Certain restrictions now apply to how much medical providers can charge for accident-related care.
• Impact on health insurance – Some drivers may opt out of PIP medical benefits if they have qualifying health insurance, but this can leave gaps in coverage.

Understanding these changes can impact how much compensation you receive after an accident.

4. What to Do If You’ve Been in an Accident

If you’re injured in a Michigan car accident, follow these steps to protect your claim:

1. Seek Medical Treatment – Your health comes first, and medical records will support your case.
2. Notify Your Insurance Company – File a claim with your PIP insurer as soon as possible.
3. Gather Evidence – Take photos, collect witness statements, and keep records of expenses.
4. Contact our law firm – Attorney Aaron Israels can help you determine if you qualify for additional compensation beyond no-fault benefits.

Conclusion

Michigan’s no-fault insurance system is complex, but knowing your rights can help you navigate your injury claim successfully.

Visit our website at www.AaronUnderstands.com. or contact our office today at (616) 280-4303 for a free consultation and find out how we can help you get the compensation you deserve.