Michigan No-Fault & PIP Claims

Michigan No-Fault & PIP Claims Attorneys

Michigan's no-fault auto insurance system is unlike most states. Personal Injury Protection (PIP) benefits cover medical expenses and wage loss regardless of who caused the accident. But navigating coverage levels, priority rules, fee schedules, and the threshold for third-party liability claims requires experienced legal guidance.

Koussan Law represents accident victims across Michigan in disputes over PIP benefits, coverage denials, and complex no-fault claims. We also pursue third-party liability claims when injuries meet Michigan's serious impairment threshold.

What PIP Benefits Cover

Under Michigan's no-fault law, PIP benefits may cover allowable medical expenses related to the accident, up to 85% of lost wages for up to three years, replacement services (household tasks the victim can no longer perform), and attendant care provided by family members or professionals. The level of coverage depends on the policy purchased after Michigan's 2019 no-fault reform.

When You Can Sue the At-Fault Driver

Michigan's no-fault system limits third-party lawsuits to cases where the victim has suffered a "serious impairment of body function" — an objectively manifested impairment that affects the person's general ability to lead their normal life. When this threshold is met, the victim can pursue a negligence claim for pain and suffering, excess economic damages, and other losses beyond PIP benefits.

Coverage Level Disputes After 2019 Reform

Michigan's 2019 no-fault reform allowed drivers to choose from multiple PIP coverage levels, including unlimited, $500,000, $250,000, $50,000, or opt-out. Disputes frequently arise over which coverage level applies, who the priority insurer is, and whether medical expenses are "reasonable and customary" under the new fee schedules.