Michigan No-Fault Insurance Law

The basic concept of No-Fault insurance law is to provide payment of certain insurance benefits to all victims of motor vehicle accidents regardless of fault.  However, in order to fund such a system, No-Fault law imposes specific limitations on the rights of accident victims to bring liability claims against the negligent parties responsible for their injuries.

Every motor vehicle accident that occurs in the State of Michigan is subject to two separate and distinct claims: the No-Fault benefits claim and the liability claim against the party at fault.

No-Fault Rights and Benefits

The No-Fault benefits claim refers to the personal insurance protection (PIP) benefits allowable under Michigan No-Fault insurance law.  There are four types of PIP benefits payable under the state's system:

• Allowable Medical Expenses – Victims of serious auto accidents often require continuing treatment and care.  This PIP benefit compensates victims for not only ordinary medical expenses, but also those expenses related to necessary in-home nursing or attendant care, housing renovations, room and board, rehabilitation, special transportation and mileage, and guardian appointments.
• Wage Loss Benefits – The wage loss PIP benefit covers victims whose ability to work and generate income is diminished as a result of their injuries.
• Replacement Services – Under Michigan No-Fault insurance law, victims are entitled to compensation for those expenses incurred in having others perform necessary services, typically domestic, which, prior to their injuries, they were able to perform for themselves.  Such services may include housekeeping, yard work, babysitting, laundry, etc.
• Survivor's Loss Benefits – Surviving dependants are entitled to compensation for funeral and burial expenses as well as for the loss of economic contributions the deceased may have provided had the accident not occurred.

Click here to learn more about No-Fault PIP Benefit Claims

Click here to learn more about PIP Benefit #1: Allowable Expense Benefits

Click here to learn more about PIP Benefit #2: Wage Loss Benefits

Click here to learn more about PIP Benefit #3: Replacement Service Expense Benefits

Click here to learn more about PIP Benefit #4: Survivor's Loss Benefits

View our video on PIP Benefits

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Contact Our No-Fault Insurance Attorneys

Sinas, Dramis, Brake, Boughton & McIntyre, P.C. has over 50 years of experience practicing personal injury and family law in Michigan.  Our attorneys make it their personal mission to provide each client with the kind of aggressive legal representation that gets positive results.  If you or a loved one has been injured in an auto accident, do not guess about what benefits you may be entitled to receive under Michigan's No-Fault Insurance Law. Contact our attorneys who handle cases throughout the State of Michigan, including Detroit, to find out exactly what benefits you are entitled to receive as a result of your automobile accident-related injuries.