Michigan No-Fault Insurance Attorney
Michigan’s No-Fault Auto Insurance system is among the most complex in the nation — and the 2019 PIP-choice reforms made it harder, not easier, to navigate. Manny Chahal helps Michigan drivers and accident victims maximize their Personal Injury Protection (PIP) recovery, pursue mini-tort and third-party claims, and challenge wrongful denials by auto insurers under MCL 500.3101 et seq.
No-Fault Claims We Handle
Full-spectrum representation in PIP, third-party, and mini-tort matters.
PIP Benefits Claims
Medical, attendant care, replacement services, and wage loss benefits under MCL 500.3107 — including denials by carrier, IME disputes, and overdue benefits with statutory penalty interest.
Third-Party Liability
Negligence claims against the at-fault driver for non-economic damages — pain and suffering, disfigurement, and loss of enjoyment under the threshold injury standard (MCL 500.3135).
Mini-Tort Property Damage
Up to $3,000 in vehicle damage recovery under MCL 500.3135(3)(d) — useful when collision coverage is absent or deductibles exceed the loss.
Excess Wage Loss
First-party PIP wage loss is capped (currently approx. $7,257/month adjusted annually) — excess wage loss may be pursued from the at-fault driver in a third-party action.
PIP Denial & Bad Faith
Carrier denial of medical, attendant care, or rehabilitation benefits — with potential 12% penalty interest and attorney fees under MCL 500.3148.
UM / UIM Coverage
Uninsured and Underinsured Motorist claims when the at-fault driver has no insurance or insufficient liability limits — interpreting policy exclusions and stacking issues.
Pedestrian & Cyclist Claims
PIP eligibility for pedestrians and cyclists struck by motor vehicles — priority of insurers under MCL 500.3114 and the assigned-claims facility (MACP).
PIP Choice & Tier Disputes
2019 PIP-choice reform created tiered limits ($50K, $250K, $500K, unlimited) — disputes over which level applies, opt-outs, and Medicare/Medicaid coordination issues.
Michigan No-Fault Statutes — What Drives Every Claim
Core sections of the Michigan Insurance Code governing PIP, threshold injury, and recovery limits.
The PIP Claim Process
Time-sensitive filings, medical documentation, and carrier negotiation drive every dollar of recovery.
Application for No-Fault Benefits
Submit Form within 1 year (MCL 500.3145). Identify priority insurer; request medical, work-loss, and replacement-service benefits.
Documentation & IMEs
Medical records, wage statements, attendant care logs, and challenges to insurer-ordered Independent Medical Examinations.
Demand & First-Party Litigation
Pre-suit demand for overdue benefits; first-party complaint with claim for penalty interest and attorney fees.
Third-Party / Mini-Tort
Parallel third-party claim against at-fault driver for non-economic damages and excess economic loss.
Frequently Asked Questions
How long do I have to file a Michigan PIP claim?
Under MCL 500.3145, written notice must be given within one year of the accident, and benefits are recoverable only for the one year preceding suit (the “one-year-back rule”). These deadlines are notoriously strict.
What is the threshold injury standard for non-economic damages?
Under MCL 500.3135, non-economic damages (pain & suffering) require death, permanent serious disfigurement, or serious impairment of body function — an objectively manifested impairment that affects general ability to lead a normal life.
What changed in 2019 with Michigan No-Fault?
Public Act 21 of 2019 introduced PIP-choice tiers ($50K, $250K, $500K, unlimited), a Medicare opt-out, fee schedules for medical providers, and attendant-care caps for family providers.
Can I sue the at-fault driver for my medical bills?
Generally no — those are PIP benefits paid by your own carrier. But you can pursue the at-fault driver for non-economic damages (if you meet threshold) and certain excess economic damages (e.g., wage loss above the PIP cap).
What is the mini-tort and how much can I recover?
Mini-tort under MCL 500.3135(3)(d) lets you recover up to $3,000 in property damage from the at-fault driver when your collision coverage doesn’t cover it (or you have a high deductible).
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