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There is a time limit on injury claims in Michigan, and the insurance company knows exactly when it runs out. Answer five questions and we will connect you, free, with an independent attorney licensed in Michigan.
Limited
Time to file most injury claims in Michigan. Miss it and the claim is gone
Shorter
Government vehicle and public entity claims run on their own, tighter clock
Varies
Coverage carried by the at-fault driver is often well below the real cost
Modified
Michigan follows modified comparative negligence with a 51% bar
This page describes Michigan law in general terms only. It is not legal advice, deadlines and rules change, and exceptions apply. Confirm anything affecting your own claim with an attorney licensed in Michigan.
Michigan’s 2019 no-fault reform replaced automatic unlimited lifetime medical benefits with a choice of personal injury protection levels. Drivers now select a tier, and many chose a lower one to reduce their premium without fully understanding what it capped.
That choice matters most in exactly the situations where it is hardest to fix: catastrophic injury requiring long-term attendant care. The level you selected when you renewed your policy can be the ceiling on the care available to you afterwards.
Michigan allows a longer period for claims against an at-fault driver, but no-fault benefits have their own much shorter application deadline. Two clocks run simultaneously from the date of the crash, and people frequently notice only one of them.
To sue an at-fault driver for pain and suffering in Michigan you must generally meet the serious impairment of body function threshold. What the medical record shows in the early weeks largely determines whether that threshold is met, which is another reason early treatment matters here.
Michigan also has mini-tort, a limited claim of up to a set amount for vehicle damage not covered by insurance. It is small, frequently overlooked, and separate from the injury claim.
Winter driving is a structural factor rather than an occasional one. I-94, I-96 and US-23 produce large chain-reaction collisions in snow and ice where fault is spread across many drivers, and Wayne, Oakland and Macomb County practice differs noticeably from the Upper Peninsula.
Each one is common, and each one is avoidable.
The longer window applies to claims against the at-fault driver. No-fault benefits require an application far sooner. People focused on the longer deadline lose the benefit that was supposed to pay for their treatment.
Since the 2019 reform, it is whatever you selected at renewal. Many drivers took a lower tier to save money and only discover the cap when serious care is needed. It is worth knowing now rather than later.
Michigan’s serious impairment threshold is proven with medical evidence. Gaps in early treatment give the insurer room to argue the impairment was neither serious nor caused by the collision.
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One deadline for claims against the at-fault driver, and a far shorter one to apply for no-fault benefits. Both clocks start at the collision and they are not interchangeable.
We match you with an attorney licensed in Michigan who handles your collision type and know show the post-reform PIP tiers play out in practice.
Your own no-fault insurer and the at-fault driver’s carrier both go through your attorney. Those are two different fights.
Valuation waits for the medical record, which is also what establishes serious impairment of body function.
Fault is contested under a 51% bar, and available PIP coverage is identified early because it determines what care is actually funded.
Most Michigan accident attorneys work on contingency. Our service is free to you throughout.
We match you with someone licensed in Michigan who works your area.
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Michigan sets a firm deadline running from the date of the accident, and a separate, considerably shorter one where a government vehicle or public entity is involved. Both are strict, and missing either generally ends the claim no matter how strong it was. An attorney can confirm which applies to your situation before anything expires.
Michigan follows modified comparative negligence with a 51% bar. Your recovery is reduced by your share of the blame, and disappears entirely once you are more than 50% responsible. That threshold is exactly why the other side’s adjuster works so hard to establish your share early.
Michigan drivers now choose a level of personal injury protection rather than receiving unlimited lifetime medical benefits automatically. The tier you selected sets the ceiling on medical and attendant care benefits after a crash, which matters most in serious injury cases.
A limited claim against the at-fault driver for vehicle damage that your own insurance does not cover, capped at a set statutory amount. It is separate from an injury claim and often forgotten.
Possibly. Uninsured and underinsured motorist coverage on your own policy may apply, including in hit-and-run cases where the driver was never identified. Many people do not realise they carry it.
Our service is free to you — attorneys pay us for the connection. Most Michigan accident attorneys work on contingency, so their fee comes from any recovery rather than from you upfront. Confirm the arrangement directly before signing anything.
Free, about a minute, no obligation. We connect you with an independent attorney licensed in Michigan.
ClaimMVA Now is a free matching service, not a law firm.