Michigan’s No‑Fault system speeds access to medical care and wage loss without waiting for a liability decision. After the 2019 reforms, you select your medical PIP level at policy purchase. Those choices matter when a serious crash happens on US‑41 or M‑35.
Core PIP Benefits
- Medical: reasonable, necessary, accident‑related care within your policy limit.
- Wage loss: up to 85% for 3 years (caps apply).
- Replacement services: up to $20/day for household help.
- Mileage and medically necessary attendant care; home modifications and durable medical equipment where appropriate.
Choosing Your Coverage Level
Unlimited PIP provides the broadest protection for catastrophic injuries. Capped levels ($500k, $250k, $50k Medicaid) or opt‑out require careful consideration of your health insurance and risk tolerance. We routinely see capped policies exhausted in high‑severity cases.
When You Can Sue the At‑Fault Driver
You may bring a third‑party claim for pain and suffering and excess economic loss when injuries meet Michigan’s threshold. Medical documentation, treating physician opinions, and functional loss evidence (work, household, recreational limitations) are crucial.
Cross‑Border Claims (Michigan–Wisconsin)
Wisconsin residents injured in Michigan sometimes access PIP depending on insurer certification and vehicle status; Michigan residents injured in Wisconsin proceed under a fault system. Coordination of PIP, BI, UM/UIM, and health coverage maximizes your net recovery.
Deadlines and Practical Tips
- PIP application and each expense: 1 year.
- Bodily injury: typically 3 years.
- Keep a treatment log, mileage records, and wage documentation. Don’t give recorded statements without legal advice.
