Michigan’s car insurance system can be confusing even for people who’ve lived here their entire lives. Between no-fault laws, personal injury protection (PIP), and the differences between first-party and third-party claims, it’s not always clear what’s covered or who’s responsible. This guide explains how Michigan’s insurance rules work after a crash, what benefits you may be entitled to, and what to do if the insurance company denies or delays your claim.

Confused by Michigan’s Car Insurance Rules? You’re Not Alone.

Whether you’re dealing with PIP, denied claims, or uninsured drivers, we’ll help you make sense of it and fight for what you’re owed.

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Michigan No-Fault Insurance Guide

Michigan’s no-fault system means your own insurance pays for medical care and lost wages—no matter who caused the crash. But there are limits, exceptions, and key things to watch out for.  Read our full Michigan No-Fault Insurance Guide to understand your coverage.

First-Party Auto Insurance in Michigan Car Accident Claims

First-party auto insurance refers to the benefits you receive from your own insurer after an accident including coverage for medical bills, lost wages, and property damage, depending on your policy. This type of coverage forms the foundation of most Michigan car accident claims.  Learn how first-party auto insurance works in Michigan and what’s covered under your policy.

Third-Party Benefits in Michigan Car Accident Claims

If another driver seriously injured you, you may be entitled to sue them for pain and suffering or excess medical bills. This is called a third-party claim—and it’s where major compensation often comes from.  Explore your options for third-party car accident claims in Michigan.

PIP Benefits & What They Cover After a Crash

Personal Injury Protection (PIP) is the heart of Michigan’s no-fault system. It covers essential benefits like medical bills, lost wages, in-home care, and more regardless of who caused the crash.  Explore your Michigan PIP benefits and what no-fault insurance really covers after an accident.

Uninsured & Underinsured Motorist Claims

If the at-fault driver has no insurance or not enough to cover your losses your own UM/UIM coverage may kick in. These claims can be tricky but are often a lifeline.  Find out how to file uninsured or underinsured motorist claims in Michigan.

Mini-Tort Claims in Michigan

Mini-tort allows you to recover up to $3,000 for vehicle damage if the other driver was at fault. It’s a small claim, but one many drivers overlook.  Learn how to file a mini-tort claim in Michigan to recover vehicle repair costs.

What Happens If the Insurance Company Denies My Car Accident Claim?

A denial doesn’t mean the fight is over. Whether it’s PIP, liability, or UM/UIM, there are legal ways to appeal or dispute the decision.  See what steps to take if your Michigan car accident claim was denied.

Denied? Delayed? Don’t Deal with the Insurance Company Alone.

We know how Michigan car insurance works and how to hold insurers accountable when they don’t play fair.

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Insurance Companies Have the Advantage.  Until You Call Us.

Between denied claims, confusing policy language, and shifting no-fault laws, it’s easy to feel overwhelmed. But you don’t have to figure it out alone. An expert Michigan car accident lawyer will personally review your insurance coverage, explain what you’re entitled to, and fight to make sure the insurance company pays what it owes.

Explore More Michigan Car Accident Topics 🚘

Looking for help with injuries, legal steps, or compensation after a crash? These guides walk you through every part of the process:

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