Michigan auto injury and no-fault law, from Bloomfield Hills
Two claims.
One plan.
After a Michigan crash, no-fault insurance pays some losses whoever was at fault. Others may be owed by the driver who caused it. We sort out which claims you have, and pursue them.
or call 313.733.1204
The review is free. The office calls you back, usually within minutes, and a person answers the phone day or night. No attorney fee unless money is recovered.
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 plan in a few questions.
- Payments stoppedThe insurer denied or cut off benefitsWhat a denial letter usually means, the records to keep, 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.
What a Michigan crash can open
Everyone covered by Michigan no-fault has the first claim. A claim against the at-fault driver depends on fault, and pain and suffering depends on how serious the injury is.
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.
Working with the firm
Justin Grove has represented people against insurance companies, lenders and the auto industry. Today the practice is focused on Michigan auto injury and no-fault claims, for injured people and for the providers who treat them.
- Attorney
- Justin Grove, admitted to the State Bar of Michigan December 4, 2007 (P71253)
- Phones
- A person answers day or night
- Callbacks
- The office calls back after a web request, usually within minutes
- First call
- The office takes the details first; then Justin talks with you about the claim
- Meetings
- At the Bloomfield Hills office by appointment, usually the same or next day, or elsewhere when you can’t get there
- Fees
- No attorney fee unless money is recovered; terms in writing before you sign
Results from our files
A $5,000 offer became $35,000, plus $45,000 in unpaid wages
Neck and back injuries, plus unpaid wage loss, 2026, Wayne County
Before: $5,000 from the at-fault driver’s insurer, as a full and final settlement.
What we did: Took over the case from the client’s previous firm. Gathered her complete treatment records and obtained written opinions from her treating physicians on how the injuries affect her life and the long-term restrictions they will cause.
Outcome: $35,000 for pain and suffering, against a $50,000 policy limit, settled within a few months (August 2026). Separately, $45,000 in wage-loss benefits her own no-fault insurer had not paid.
Offered $250,000. Paid $1,250,000 after we found the excess policy
Wrongful death: finding all of the insurance, Wayne County
Before: $250,000, offered as soon as a few hospital records were sent.
What we did: Declined the insurer’s early offer and filed suit in Wayne County. Demanded a certification of every policy that could apply, which Michigan insurers do not have to disclose before a lawsuit is filed. When the insurer disclosed a $1,000,000 excess policy but said a Virginia exclusion for other drivers applied, argued that because the crash happened in Michigan the exclusion did not apply: in Michigan, insurance follows the vehicle, not the driver.
Outcome: The insurer tendered $1,250,000 to the family: the $250,000 policy and the $1,000,000 excess policy.
Each result depended on its own facts. Past results do not guarantee a similar outcome. Amounts are gross figures before attorney fees, costs and liens unless stated otherwise. Details that could identify clients are left out.
How a claim gets built
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.
Work out your next step now
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Oakland County’s fatal crashes reached a six-year high in 2025
Police reported 80 fatal crashes in Oakland County in 2025, the most in the six years from 2020, up from 61 in 2024. Wayne County’s fell for the fifth straight year, to 151. These are raw counts, not rates.
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 85 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, usually within minutes, to talk it through.
Prefer to talk now? Call 313.733.1204.