Michigan cyclists have more legal protection than most people realize — and more reason than ever to know those rights, as bike accidents continue to rise statewide. Here's what you should know:
- Michigan's No-Fault law covers cyclists. If you're struck by a motor vehicle, you may be entitled to PIP benefits — covering medical bills, wage loss, and replacement services — through the at-fault driver's auto insurance, even if you don't own a car yourself.
- You may have a pain and suffering claim against the driver if your injuries are serious enough — Michigan law requires a "serious impairment of body function" threshold for these claims.
- Fault isn't always cut and dry. Drivers who open car doors into cyclists (dooring), fail to yield, or drive distracted can be held liable. Michigan roads carry shared obligations.
- Document everything at the scene: photos of the bike, your injuries, the vehicle, road conditions, and any traffic signage.
- Report the accident to police and get a copy of the report.
- Don't accept early settlement offers. Bicycle accident injuries — including TBIs from helmet impacts — can have delayed and lasting consequences. Know the full scope of your damages before settling.