Michigan auto injury and no-fault law, from Bloomfield Hills
Two claims.
One plan.
Hurt in a Michigan crash, or your insurer stopped paying? A crash can open two claims: no-fault benefits from your own insurer, and sometimes a claim against the driver who caused it. Tell us what happened, and Justin will tell you which claims you have and what to do next.
or call 313.733.1204
The review is free. The office calls you back as soon as it can, and a person answers the phone day or night. No attorney fee unless money is recovered.
Results from Justin Grove’s files
- A $5,000 offer became $35,000, plus $45,000 in unpaid wages
- Offered $250,000. Recovered $1,250,000 after we found the umbrella policy
- Told she would never get more. Resolved for 3,650% more than the only offer
Each result depended on its own facts and does not predict another case. Amounts are gross, before fees, costs and liens. All case results
Justin Grove handles your case himself
“This is your case. I’ll guide you and give you my honest advice, but every decision is yours. We’re a team, and I work for you.”
He litigates the Michigan injury cases he takes on. Your claim is not handed to a junior associate, and you can reach him directly when something changes in your treatment, your work or your claim. When a matter is outside that work, such as a nationwide mass tort or a client in a state where he isn’t licensed, he works with co-counsel or refers it, and you are told who else is involved before you agree.
- Licensed
- State Bar of Michigan since December 4, 2007 (P71253)
- Practice
- Michigan injury and no-fault claims, including wrongful death, for injured people and the providers who treat them
- Phones
- A person answers day or night; after a web request the office calls back as soon as it can
- Meetings
- At the Bloomfield Hills office by appointment, or elsewhere when you can’t get there
- Fees
- No attorney fee unless money is recovered; terms in writing before you sign
Start with where you are right now
- The crash was recentYou’re hurt and the bills are startingWhich insurer pays, what to report, and the one-year notice that protects your benefits. Build a printable plan in a few questions.
- Payments stoppedThe insurer denied or cut off benefitsWhat a denial letter usually means, the records that answer it, and how a denial is challenged.
- You’re helping someoneA family member was badly hurtAttendant care, household help and lost wages when you are the one managing the claim.
Two claims. Different rules, different deadlines.
Most people hurt in a Michigan crash have the first claim. Some also have the second. Missing either deadline can end the claim.
-
No-fault benefits
Paid by the insurer first in line, usually your own auto insurer: medical care up to your policy’s limit, 85% of lost wages up to $7,455 per 30 days, household help and attendant care.
Deadline: written notice to the insurer within one year.
-
A claim against the at-fault driver
For losses no-fault doesn’t cover, like wages above the cap. Pain and suffering only if the injury meets Michigan’s serious-impairment threshold. Depends on who was at fault.
Deadline: generally filed within three years.
See the full breakdown: every benefit, its limit, and who is excluded
No-fault benefits
- Medical careUp to the PIP limit on the policy
- Lost wages85% of gross pay, up to $7,455 per 30 days, for three years
- Household helpUp to $20 a day, for three years
- Attendant carePaid care at home, with limits on family care
Paid regardless of fault by the insurer first in line: usually an auto policy in your household; sometimes an employer’s or the vehicle’s insurer, or the Michigan Assigned Claims Plan. Within the coverage that applies.
Condition: written notice to the insurer within one year. Owners of a vehicle that had to be insured and wasn’t are generally barred.
A claim against the at-fault driver
- Losses above no-fault limitsWages above the cap or after three years; medical costs above the policy’s PIP limitNo injury threshold for Michigan residentsReduced by your share of fault
- Pain and sufferingNoneconomic damages for how the injury changed your lifeOnly if the injury meets the thresholdDeath, serious impairment of body function, or permanent serious disfigurement. Barred above 50% fault.
Against the driver, and sometimes the vehicle owner or an employer, through their liability insurance. It depends on who was at fault, so not every crash has this claim. Neither part is available to someone driving their own uninsured vehicle.
Condition: generally filed within three years of the crash.
What clients have said
Quoted with each client’s permission. All client reviews Full case accounts
“Justin helped me settle a lengthy case I’ve been trying to wrap up for years.”
“Everyone at the Grove Law Firm was professional, knowledgeable and kind. I highly recommend this law firm.”
What happens after you call
Most disputes turn on what the record shows. This is the order the work usually runs in.
First conversation
The office takes the details; then Justin talks with you about which claims you may have, and whether it’s worth pursuing.
Notice and first payer
The application and written notice go to the insurer first in line under Michigan’s priority rules.
The record
Medical records, wage proof, care and mileage logs, and the insurer’s own file.
Denials
When benefits stop, the records answer the stated reason; when needed, a suit for overdue benefits and interest.
Resolution
Most claims settle. When an offer doesn’t reflect the record, the case is prepared for trial.
For medical providers owed PIP
An attorney-led review of your unpaid and disputed no-fault balances: which claims appear supportable, which are close to the one-year-back line, and what documentation is missing. Reviews start at $3,000 in total open balances.
One office, clients across Michigan
The firm’s office is on Woodward Avenue in Bloomfield Hills. We represent people hurt anywhere in Michigan. Office meetings are by appointment, and if you can’t get to the office, we can meet you elsewhere.
36700 Woodward Ave., Suite 107Bloomfield Hills, MI 48304
Directions 313.733.1204
Service areas include Bloomfield Hills, Oakland County, Wayne County, Macomb County, Washtenaw County, Livingston County, Genesee County and 88 communities. The only office is in Bloomfield Hills.
Questions people ask first
How much does it cost to hire you?
Nothing up front. Injury cases are handled on a contingency fee, so there is no attorney fee unless money is recovered for you. Your written fee agreement states the percentage and how case costs are handled before you sign anything.
Who pays my medical bills after a Michigan car accident?
Usually your own auto insurer, through personal injury protection (PIP), no matter who caused the crash. If you have no auto policy, a spouse’s or a resident relative’s policy may pay. If no one in your household is insured, the claim often goes through the Michigan Assigned Claims Plan.
Can I sue the driver who hit me?
For pain and suffering, only if your injury meets Michigan’s threshold: death, a serious impairment of body function, or permanent serious disfigurement. Michigan residents can claim wage loss and medical costs above what no-fault pays from the at-fault driver without meeting that threshold. The general deadline to file is three years from the crash.
Do I need a lawyer if the insurer is paying?
Not always. Many people only need a lawyer when benefits are denied, cut off after an insurer medical exam, or when there may be a claim against the at-fault driver. A free call tells you which situation you are in.
Request a case review
A few lines about what happened is enough. Please don’t attach medical records or insurer letters yet; if we need them, we will ask and give you a secure way to send them. The office calls you back as soon as it can to talk it through.
Prefer to talk now? Call 313.733.1204.