Michigan No-Fault Lawyer

Understanding Michigan no-fault claims

Michigan no-fault cases are not just generic accident cases with a different label. The immediate dispute may be about PIP benefits, coverage elections, priority questions, medical bills, replacement services, or wage-loss documentation rather than fault for the crash itself.

This page focuses on those first-party insurance issues. If you also want to evaluate a separate injury claim arising from the crash, our Michigan car accident page covers that side of the analysis.

Baldori Law offers a free case review and handles no-fault disputes on contingency — no legal fee unless we recover compensation for you. We work statewide from our office in Okemos, with consultations in English and Spanish. You can start with a free case review whenever you are ready.

What this page covers

No-fault in Michigan often starts with benefits from your own policy or another policy in the priority chain. That can include PIP medical benefits, wage loss, and replacement services depending on the facts and coverage involved. When those benefits are mishandled, the problem can feel administrative on the surface but still have serious effects on treatment, income, and recovery.

What PIP benefits actually pay for

Under MCL 500.3107, Michigan PIP coverage is built around three main categories of benefits:

• Allowable expenses — the statute covers "reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person's care, recovery, or rehabilitation."
• Work loss — lost income for up to three years, paid at roughly 85% of gross because the benefits are untaxed, subject to an annually adjusted monthly maximum.
• Replacement services — up to $20 per day for up to three years for household tasks you can no longer do because of the injury.

Your coverage level matters

Since the July 2020 reform, Michigan drivers choose a PIP coverage level under MCL 500.3107c: unlimited; $500,000; $250,000; or $50,000 for Medicaid enrollees with qualifying household coverage — plus a Medicare opt-out under MCL 500.3107d. After a serious injury, confirming which level applies is one of the first jobs, because it controls what the insurer must pay.

Attendant care and the fee schedule — where today's fights are

Since the 2019 reform, medical providers are paid under a fee schedule tied to Medicare rates under MCL 500.3157, and insurers are only required to pay for 56 hours per week of in-home attendant care when that care comes from a family or household member under MCL 500.3157(10).

These two rules drive many of the disputes we now see — cut-off letters after an insurance medical exam, reduced attendant-care hours, and fights over what care is reasonably necessary.

When legal help matters on the no-fault side

• Your insurer is delaying, denying, or underpaying benefits
• You are being asked for repeated paperwork without progress
• You need help organizing records and the claim timeline
• A utilization-review issue or treatment dispute is interfering with care
• You need to understand how the benefits issue connects to a larger crash-injury case

Questions people ask about PIP

What are PIP benefits?

PIP is the personal injury protection side of Michigan no-fault, and under MCL 500.3107 it pays three main things: allowable medical expenses, work loss for up to three years at roughly 85% of gross, and replacement services up to $20 per day. Which coverage level you selected controls the medical limit. Our full plain-English guide walks through each category and the deadlines.

Can I still have a separate lawsuit after a crash?

Sometimes, yes. The no-fault benefits question and the injury claim question are related but not identical. If you want both issues evaluated together, see our car accident page.

What if the insurer keeps delaying or denying benefits?

Keep copies of letters, emails, explanation-of-benefits notices, and medical records. It may also make sense to document every phone call and every request for additional information. A DIFS complaint may be one part of the picture, but case-specific legal advice is often needed when benefits are tied up or treatment is being interrupted.

Should I wait to ask for help until everything is denied?

Usually not. The earlier the file is organized, the easier it is to understand what has been submitted, what is overdue, and what the insurer is actually saying. You can contact Baldori Law through the existing intake form if you want a written follow-up path.

PIP benefits are one half of a Michigan crash case. If your injuries are serious, a separate injury claim against the at-fault driver can recover what no-fault does not pay. Our guide to Michigan PIP benefits explains the coverage levels and the one-year deadlines, and our personal injury team evaluates both claims together. If your no-fault claim comes out of a Washtenaw County crash, our Ann Arbor and Washtenaw County page covers the local courts and venue.