Guides and updates

A question about your own claim? Request a free case review or call 313.733.1204.

Changes to Michigan no-fault law, explained for the people they affect.

Guides

Michigan car accident lawsThe ten laws that decide most claims, in plain English.
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.
Michigan car seat and booster seat lawsRear-facing, harness, booster and back-seat rules for children, since April 2025.
Michigan seat belt lawWho has to buckle up, and the 5% limit on how it affects an injury claim.
Michigan hands-free lawWhat you can and can’t do with a phone behind the wheel, and the fines.
Michigan Move Over lawSlowing down and changing lanes for stopped emergency, tow and road vehicles.
Michigan motorcycle helmet lawWho may ride without a helmet, and what it means for a claim.
Getting your crash reportHow to buy a Michigan UD-10 report online, and what to check on it.
Denial letter worksheetPrintable: the dates and records to gather after a no-fault denial.
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.
Most dangerous intersections in Metro DetroitThe intersections with the most crashes, from SEMCOG data.
Andary v. USAA explainedWho is protected from the 2019 cuts.
Do you need a lawyer?When you can handle a claim yourself, and when you shouldn’t.
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

After-crash planA few optional questions and a printable plan: who pays, benefits, records and dates.
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.
Assigned claims (MACP) checkerNo auto policy in the household? See whether the assigned claims plan applies.
Provider fee schedule calculatorThe no-fault cap for a Medicare-priced service.

Road Safety Academy

Road Safety AcademyFree simulators, a quiz and workshop kits for families, new drivers and communities.
Stopping distance simulatorPick a speed, reaction time and road surface; see how far you travel before you stop.
Eyes-off-the-road simulatorHow far a car goes while you read a text, change a song or reach into the back seat.
Car seat finderYour child’s age and height in, the right seat and seating position out.
Reaction time testTap when the light turns red; see how far a car travels during your reaction.
Crash force calculatorA crash at your speed is like falling how many stories?
After-crash glovebox cardPrint a wallet or glovebox card with the 7 steps to take after a crash.
Embed these toolsFree code for schools, PTAs and newsrooms to add the tools to their sites.
County road safety report cardsCrashes, deaths, deer and alcohol crashes for all 83 Michigan counties.
Road safety quizTen questions with the official source behind every answer.

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.
Assigned Claims Plan eligibility checkerWhether the Michigan Assigned Claims Plan is likely where to apply, and by when. For injured people and providers.
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.
Michigan car insurance lawsThe coverage Michigan law requires, what is optional, and the penalty for being uninsured.
The Michigan mini tortUp to $3,000 of your own car damage from an at-fault driver: who qualifies and how to file.
Property protection insuranceDamage to buildings, fences and parked cars, up to $1 million.
Does insurance follow the vehicle or the person?Which coverage follows you and which follows the vehicle.
PLPD insuranceWhat a minimum Michigan policy covers after a crash.