Michigan No-Fault Law
Understanding Your Rights and Benefits After an Auto Accident
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When you’ve been injured in a auto accident, you need more than just legal representation—you need a battle-tested sword and shield fighting for your rights.
A car accident is stressful enough—Michigan’s complex No-Fault Law can make it even more overwhelming. If you’re injured in a Michigan auto accident, your own insurance covers medical bills and lost wages, regardless of who was at fault.
Keller & Keller has represented Michigan accident victims since 1936. With deep experience in No-Fault law, we help clients understand their rights and pursue the benefits they’re entitled to. Don’t risk your claim—contact an experienced Michigan No-Fault attorney today.
Who Pays for the Accident?
Regardless of fault, your insurance company will pay most of your economic losses resulting from a car accident. These are called “First-Party Benefits.” Michigan First-Party Benefits include:
- Medical treatment for life, or for as long as treatment is needed for the injuries you suffered in the accident
- Wage loss up to 85% of lost wages for up to three years, subject to a monthly cap which is revised annually
- Attendant care, such as nursing services
- Replacement Services of up to $20 per day for a maximum of three years if you are unable to perform household tasks such as cleaning, lawn mowing, running errands, etc.
- Mileage Reimbursement if you must travel to receive medical treatment
What Is the Order of Priority?
The Order of Priority is another important feature of Michigan no-fault law. The injured driver of a vehicle, or an injured passenger, receives First-Party Benefits from the insurance company associated with that vehicle. If the vehicle is uninsured and does not belong to you, however, the Order of Priority will determine who pays No-Fault First-Party Benefits.
Car Accident
- Your own insurance. If you have no insurance…
- The insurance company of a resident relative such as your spouse, parent or sibling. If none…
- The insurer of the owner of the motor vehicle involved in the accident. If none…
- The insurer of the driver of the motor vehicle involved in the accident. If none…
- The State of Michigan Assigned Claims Facility.
Pedestrian Accident
- The pedestrian’s own insurance. If none…
- The insurance company of a resident relative such as a spouse, parent or sibling. If none…
- The insurer of the owner of the motor vehicle involved in the accident. If none…
- The insurer of the driver of the vehicle involved in the accident. If none…
- The State of Michigan Assigned Claims Facility
Motorcycle Accident
- The insurer of the owner of the motor vehicle involved in the accident. If none…
- The insurer of the operator of the motor vehicle involved in the accident. If none…
- The insurer of the operator of the motorcycle involved in the accident. If none…
- The insurer of the owner of the motorcycle involved in the accident. If none…
- The State of Michigan Assigned Claims Facility
If there is absolutely no insurance to cover the injuries you sustained in your accident, the State of Michigan Assigned Claims Facility becomes your last resort. The Michigan Assigned Claims Facility was created to provide accident victims with financial assistance in the event of a car accident with no insurance coverage.
Who Qualifies for Assigned Claims Benefits?
Understanding eligibility and exclusions under Michigan No-Fault law
Who Is Eligible?
Any uninsured person, whether they are a Michigan resident or not, may submit an injury claim to the Assigned Claims Facility, as long as they were injured in an accident in Michigan, either while riding in or being struck by an uninsured Michigan-registered vehicle. Motorcyclists are eligible if they have been in an accident with an uninsured motor vehicle (not another motorcycle), and do not have other insurance to cover the resulting medical bills.
Who Is Not Eligible?
Benefits are not available from the Assigned Claims Facility to the owner or registrant of an uninsured car or motorcycle injured in an accident while driving or riding in his or her own vehicle or motorcycle. Drivers of stolen cars or motorcycles are not eligible for benefits.
Michigan’s No-Fault laws can become complicated quickly after an accident, and insurance companies may deny claims based on liability issues. Speaking with an experienced Michigan No-Fault attorney can help protect your claim and ensure you receive the First-Party Benefits you’re entitled to. Our attorneys are available to answer your questions and provide guidance at no cost—an important first step in handling your No-Fault injury claim.
Free Case EvaluationMichigan No-Fault Insurance System Explained
Michigan’s No-Fault auto insurance system, established in 1973, underwent dramatic reform in 2019 through Public Acts 21 and 22. Prior to this reform, Michigan was unique nationwide as the only state requiring unlimited lifetime medical coverage for accident injuries—a primary factor behind the state’s historically high insurance premiums.
The Legal Process for Car
Accident Claims in Michigan
When you choose Keller & Keller to handle your Michigan car accident claim, you can expect a clear, structured process designed to maximize your compensation while minimizing your stress.
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They always answered any questions that I had. They didn’t hesitate to reach out and communicate whenever needed. I was involved in an auto accident and I am going to for sure use their service for my disability case. Thank you for your services.
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We believe everyone deserves quality legal representation, regardless of their financial situation. That’s why we work on a contingency basis—you pay absolutely nothing unless and until we win your case. No upfront costs, no hidden fees, no financial risk to you.
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