Guides and updates
Changes to Michigan no-fault law, explained for the people they affect.
Guides
- Insurer claim guidesHow to make a no-fault claim with each major Michigan auto insurer.
- Metro Detroit trauma centersWhat happens with bills and care after a crash hospitalization.
- Metro Detroit crash dataOfficial crash figures for Oakland, Wayne and Macomb counties.
- Michigan car accident FAQStraight answers to the questions we hear most.
- No-fault glossaryEvery term an adjuster will use, defined.
- The first 30 days after a crashA checklist, in order.
- 2026–27 wage loss maximumThe new $7,455 cap.
- Bulletin 2026-15 for home careWhat agencies may be owed.
- Reading your declarations pageFind your PIP level and UM coverage in two minutes.
- Andary v. USAA explainedWho is protected from the 2019 cuts.
- What not to say to an adjusterCommon statements that cost people money.
- Social media and your claimHow posts and surveillance are used.
- Winter crashes in MichiganFault on ice and snow.
Tools
- No-fault claim navigatorSix questions: who pays, what you can claim, your deadlines.
- Deadline calculatorEvery deadline from your crash date.
- Wage loss calculatorEstimate your monthly PIP work loss benefit.
- Household help calculatorWhat replacement services are worth over three years.
- Provider fee schedule calculatorThe no-fault cap for a Medicare-priced service.
The no-fault library
- PIP medical benefits and coverage limitsWhat allowable expenses cover and how the 2020 coverage levels work.
- Wage loss benefits85% of gross pay for up to three years, and the cap for your crash date.
- Attendant carePaid care at home, the 56-hour family cap, and who is exempt.
- Replacement servicesUp to $20 a day for household chores you can no longer do.
- Medical mileage and travelGetting paid for trips to doctors, therapy and pharmacies.
- Survivors’ loss and funeral benefitsWhat dependents receive after a fatal crash.
- All other no-fault benefitsA short tour of the smaller benefits people forget to claim.
- Which insurer paysThe priority rules that decide whose policy pays your claim.
- Michigan Assigned Claims Plan (MACP)Benefits when no auto policy applies, and the $250,000 limit.
- Michigan Catastrophic Claims AssociationHow the MCCA backs unlimited PIP claims above the retention.
- Choosing a PIP coverage levelWhat each coverage choice means if you are ever hurt.
- The 2019 no-fault reformEvery major change, and which crashes it applies to.
- Health insurance, Medicare and PIPWho pays first when you have health coverage too.
- If you were uninsuredWhen an uninsured owner or driver is barred from PIP, and the exceptions.
- Out-of-state drivers hurt in MichiganWhat visitors can claim and the 50% fault rule.
- Benefits denied or cut offWhat to do when the insurer stops paying.
- Insurer medical examsHow insurer-paid exams are used to cut benefits, and how to prepare.
- Recorded statements and examinations under oathWhat the insurer can ask, and what to do before you answer.
- Fraud claims and policy rescissionWhen an insurer tries to void your policy.
- How a no-fault lawsuit worksFrom filing to verdict, with interest and attorney fees.
- Deadline calculatorEnter your crash date to see every deadline.
- No-fault formsThe application, wage, household help and care forms, explained.
- No-fault case law trackerEvery significant Michigan no-fault decision since 2023, in plain English.
- Property protection and the mini-tortDamage to buildings, parked cars and your own vehicle.