Understanding Michigan No-Fault Insurance: What Auto Accident Victims Need to Know
September 4, 2025
Understanding Michigan No-Fault Insurance: What Auto Accident Victims Need to Know
If you’ve been injured in a car or truck accident in Michigan, you may already be hearing terms like “PIP,” “first-party benefits,” or “no-fault coverage.” These all refer to Michigan’s No-Fault Insurance system—a unique and often confusing law that affects how accident victims receive compensation. At Gergely Law Offices, P.C., we’ve helped thousands of injured clients in Kalamazoo and throughout the state secure the full benefits they’re entitled to under Michigan’s No-Fault Act.
This blog breaks down what No-Fault insurance is, how it works, and what your rights are after a crash.
What Is Michigan No-Fault Insurance?
Michigan’s No-Fault law means that your own car insurance pays for your medical bills, lost wages, and other benefits—regardless of who caused the accident. This system was designed to provide faster payouts and reduce lawsuits, but it comes with strict rules and limitations.
There are two main types of claims after a car accident in Michigan:
- First-party claims (filed with your own insurer for medical and wage loss benefits)
- Third-party claims (filed against the at-fault driver for pain and suffering or serious injury)
Understanding which claim applies—and when—is essential.
What Benefits Are Covered?
If you are injured in a crash, your No-Fault insurance may cover:
- Medical care: Hospitalization, rehab, surgery, long-term care
- Lost wages: Up to 85% of your income for up to 3 years
- Household services: Help with chores you can’t perform due to injury
- Mileage reimbursement for travel to medical appointments
- Attendant care if you require in-home nursing or supervision
However, recent changes to Michigan’s No-Fault law have added policy limits on medical benefits. You may only be covered for a capped amount depending on what you chose when purchasing your policy.
When Can You Sue the At-Fault Driver?
You may pursue a third-party claim against the negligent driver only if:
- You suffer a serious impairment of body function, permanent disfigurement, or death
- Your damages exceed your own policy’s No-Fault limits (e.g., for pain and suffering or long-term losses)
These cases require strong evidence, and insurance companies will often fight to deny your right to sue. That’s where our trial-tested attorneys come in.
What If You Were Hit by an Uninsured Driver?
Even if the at-fault driver has no insurance, you may still be covered through:
- Your own uninsured/underinsured motorist coverage (if included in your policy)
- Assigned Claims Plan benefits if no coverage exists
Navigating these options without legal help can be difficult—especially if insurers deny or delay valid claims.
Why You Need a Michigan No-Fault Attorney
Michigan’s No-Fault law is one of the most complex in the country. With changing rules, strict deadlines, and multi-layered claims processes, it’s easy for victims to miss out on benefits they deserve. Our team at Gergely Law Offices, P.C. has deep experience handling No-Fault cases involving:
- Serious injury
- Truck accidents
- Motorcycle and bicycle collisions
- Wrongful death claims
- Denied or delayed benefits
We handle all negotiations with insurance companies and are fully prepared to go to trial when necessary.

Schedule a Free Consultation Today
If you or a loved one was injured in an auto accident in Michigan, don’t wait to get the help you need. Let our experienced attorneys guide you through the No-Fault system and fight for your maximum compensation.
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