Michigan overhauled its no-fault auto insurance system in 2019, and the changes have rolled out gradually ever since. If you are injured in a Michigan auto accident today, the rules that apply to your medical care, lost wages, and any lawsuit you file look very different from a decade ago.
Choice of PIP coverage
For the first time, drivers can choose how much Personal Injury Protection (PIP) medical coverage they want — from unlimited (the historical default) down to $50,000 in some cases. Choosing lower coverage saves on premiums but can be devastating if you are seriously hurt.
Medical fee schedule
Auto-injury medical providers are now reimbursed under a fee schedule, which has caused some clinics and rehab facilities to stop accepting auto-injury patients altogether — a serious problem for catastrophically injured Michiganders.
Attendant care limits
Family-provided attendant care is now capped at 56 hours per week unless an exception applies. For families caring for severely injured loved ones, this is one of the most significant changes.
What this means for your claim
Filing PIP and third-party claims under the new system is more complex than ever. If you have been injured, work with an attorney who knows the post-reform rules — small mistakes early on can cost benefits later.