Michigan’s No-Fault Insurance Law: Understanding Personal Injury Protection

Michigan’s personal injury laws encompass various statutes that govern compensation for individuals involved in car accidents. One specific law that significantly impacts personal injury claims in Michigan is the state’s No-Fault Insurance Law. This article provides a comprehensive overview of this law, and its implications for personal injury cases, and highlights the invaluable role that a personal injury lawyer plays in navigating this complex legal landscape.

Understanding Michigan’s No-Fault Insurance Law:

Michigan’s No-Fault Insurance Law requires all drivers to carry no-fault insurance, which provides personal injury protection (PIP) benefits. PIP benefits cover medical expenses, lost wages, and other related costs regardless of who is at fault for the accident.

Personal Injury Protection (PIP) Benefits:

Under Michigan’s No-Fault Insurance Law, PIP benefits serve as the primary source of compensation for accident-related injuries. These benefits include:

Medical Expenses: PIP benefits cover necessary medical treatments, including hospitalization, surgeries, doctor visits, rehabilitation services, medications, and other healthcare expenses.

Wage Loss Benefits: PIP benefits provide compensation for lost wages due to the inability to work following an accident. This coverage helps individuals maintain financial stability during their recovery period.

Replacement Services: PIP benefits may cover expenses incurred when an injured person is unable to perform daily household tasks or requires assistance with personal care due to their injuries.

Attendant Care: In cases where an injured person requires assistance with daily activities, PIP benefits can cover the costs of attendant care services.

Limitations and Thresholds:

Michigan’s No-Fault Insurance Law has certain limitations and thresholds that may affect the availability and amount of PIP benefits. These include:

Coordination of Benefits: PIP benefits may be coordinated with other available insurance coverage, such as health insurance or disability benefits.

Catastrophic Claims: Individuals with catastrophic injuries may be eligible for extended PIP benefits, including lifetime coverage for medical expenses and attendant care.

No-Fault Thresholds: Michigan has different thresholds that impact an individual’s ability to pursue a third-party claim against the at-fault driver for non-economic damages. The thresholds include the “serious impairment of body function” and “permanent serious disfigurement” requirements.

The Role of a Personal Injury Lawyer:

Navigating Michigan’s No-Fault Insurance Law and pursuing a personal injury claim can be complex. Here’s how a personal injury lawyer can assist you:

  • Understanding Insurance Coverage: A personal injury lawyer will review your insurance policy, assess the available coverage, and ensure that you receive the maximum benefits entitled to you under Michigan’s No-Fault Insurance Law.
  • Claims Process: An attorney will guide you through the claims process, help you complete the necessary paperwork, and ensure that all deadlines are met.
  • Dispute Resolution: If there are disputes or challenges regarding the amount or availability of PIP benefits, a lawyer can negotiate with the insurance company on your behalf or represent your interests in any necessary legal proceedings.
  • Third-Party Claims: In situations where the accident was caused by someone else’s negligence, a personal injury lawyer can help you pursue a third-party claim for additional damages beyond PIP benefits, such as pain and suffering or lost earning capacity.

Understanding Michigan’s No-Fault Insurance Law is crucial for individuals involved in car accidents and seeking compensation for their injuries. By working with a personal injury lawyer, you can navigate the complexities of this law, ensure that you receive the full benefits entitled to you under your insurance policy, and pursue additional compensation if warranted. An attorney will provide the necessary expertise, protect your rights, and guide you through the legal process, ultimately helping you achieve a favorable outcome in your personal injury case

Get in touch with an attorney today at the Neumann Law Group for help with your case.


Reach them at:


Mailing Address

Traverse City

300 E Front St #445

Traverse City, MI 49684


Phone: (231) 221-0050

Fax: (231) 221-0051




Grand Rapids


250 Monroe Ave NW, #400

Grand Rapids, MI 49503


Phone: (616) 717-5666

Fax: (231) 221-0051





400 Renaissance Center #2600

Detroit, MI 48243


Phone: (248) 216-1660

Fax: (231) 221-0051






Prudential Tower

800 Boylston St 16th Floor

Boston, MA 02199


Phone: (617) 918-7790

Fax: (231) 221-0051





Los Angeles

633 W 5th St 28th Floor

Los Angeles, CA 90071


Phone: (213) 277-0001

Fax: (231) 221-0051




New York

New York

One Rockefeller Plaza 10th Floor

New York, NY 10020


Phone: (212) 882-1900

Fax: (231) 221-0051

Contact Information