Michigan No-Fault & PIP Lawyer

When PIP benefits are delayed or denied

After a crash, the immediate problem may be an unpaid medical bill, missing wage-loss benefits or a letter cutting off payment. Baldori Law’s no-fault practice includes PIP benefits, treatment disputes, wage-loss questions and post-crash insurance disputes in Michigan.

• An insurer delays, denies or reduces a benefit payment.
• You are unsure which insurer or coverage applies.
• You need to organize the insurer’s requests, your records and the claim timeline.

PIP benefits and a separate injury claim

Personal injury protection (PIP) can pay eligible expenses and losses after a motor-vehicle injury without regard to who caused the crash, subject to the law and applicable coverage. Categories include reasonable charges for reasonably necessary care, recovery or rehabilitation; qualifying work loss; and qualifying replacement services for household tasks. Each category has its own requirements and limits.

Legal sources: MCL 500.3105; MCL 500.3107.

A claim against an at-fault driver is a separate question with different legal requirements. A PIP dispute does not by itself establish a right to pain-and-suffering damages.

Legal sources: MCL 500.3135.

Read about Michigan car-accident injury claims.

Which insurer and coverage apply?

Auto policies covering you, your spouse or relatives in your household, along with the circumstances of the crash, can affect which insurer is responsible. Do not assume your own insurer always pays first. Michigan also allows several PIP medical coverage choices, including exclusions or an opt-out for eligible people. Medical coverage is not the same for everyone.

Legal sources: MCL 500.3114.

DIFS: PIP medical coverage choices.

Have the dates reviewed promptly

Michigan law limits when a PIP lawsuit may be brought and which past losses may be recovered. Written notice of injury, earlier benefit payments, specific payment claims and formal denials can affect the analysis. Tolling rules that pause certain time limits have conditions, including reasonable diligence in pursuing the claim. Do not assume ongoing discussions with an insurer pause a deadline. Ask an attorney to review your timeline rather than calculating a deadline from this page.

Legal sources: MCL 500.3145.

Prepare for the first conversation

Start with what you already have. Put insurer letters and requests in date order, note what you sent and when, and identify the question you most need answered. You do not need a complete file to contact the office. The worksheet below is optional and available without an email address or account.

Keep medical records and other detailed documents for a private discussion. Do not paste them into the website form or chat. Ask the office how to share documents if they are needed.

An Okemos office serving Michigan

Baldori Law serves clients across Michigan from its office in Okemos, including the Lansing area, Detroit, Ann Arbor and Grand Rapids. Those cities are service areas; the office address is below. The firm also handles other Michigan legal matters.

2719 Mt Hope Rd, Okemos, MI 48864

See all practice areas. Explore the personal-injury practice.

Talk with Baldori Law about your PIP question

Use the contact form or call the office about your PIP question. Start with a brief description of the benefits issue and how to reach you; mention any approaching date or insurer deadline. Ask about meeting arrangements, fees and costs, and Spanish assistance before a consultation. The office must confirm whether it can take your particular matter.

Contact Baldori Law · (517) 927-7928

Contacting the firm or completing this worksheet does not notify an insurer, file a claim or lawsuit, extend a deadline, or create an attorney-client relationship.

Legal sources checked September 13, 2026. General information, not advice about your specific claim.