Free Michigan no-fault tools

Six tools for people hurt in Michigan crashes, their families, and the medical providers who treat them. They use the current Michigan figures, show their math and work without an email address. The calculators run in your browser; we don’t receive what you type unless you choose to send it to us.

Want a lawyer to look at your situation instead? Request a free case review or call 313.733.1204.

Start with your situation

What each tool does, and what it can’t

After-crash plan

Who it’s for: Anyone hurt in a Michigan crash, or helping a family member, in the first days or weeks.
It asks: The crash date and a few optional questions: where you were in the crash, whether anyone in your household has Michigan auto insurance, how serious the injuries are, and where the claim stands.
You get: A printable plan: the insurer likely first in line to pay, the no-fault benefits to ask about, the records to gather and the dates that matter.
It can’t tell you: It cannot settle which insurer is legally responsible when policies conflict, or tell you whether a claim is worth bringing.

Open the after-crash plan Who pays no-fault benefits

Deadline calculator

Who it’s for: Anyone with a crash date, especially if benefits were denied or never claimed.
It asks: Only the crash date.
You get: The one-year notice date for no-fault benefits, how the one-year-back rule limits older bills, and the general three-year deadline to sue the at-fault driver.
It can’t tell you: It applies the general rules. A minor, a death, a government vehicle or road defect (which can need written notice within 120 days), or the date of a specific denial can change your deadline.

Open the deadline calculator When no-fault benefits are denied

Wage loss calculator

Who it’s for: People who missed work, or are earning less, because of crash injuries.
It asks: The crash date, your gross pay and how often you were paid, and anything you still earn now.
You get: Your estimated benefit per 30 days: 85% of lost gross income, up to the cap for your crash date ($7,455 for accidents from October 1, 2026 through September 30, 2027), for up to three years.
It can’t tell you: It does not decide whether a doctor’s disability slip covers your time off, how self-employment income is counted, or whether your tax situation supports more than 85%.

Open the wage loss calculator Wage loss: what you need to prove it

Household help calculator

Who it’s for: People whose doctor says they can’t do chores such as cleaning, yard work, laundry or driving children.
It asks: The crash date, when the doctor’s restriction ends (if it has), the daily cost of help, days per week, and anything already paid.
You get: What replacement services are worth, at up to $20 a day for up to three years, and how much covers days that have already passed.
It can’t tell you: It assumes the help was needed and actually paid for. It does not check the doctor’s restriction or the insurer’s records.

Open the household help calculator Replacement services explained

Assigned claims (MACP) checker

Who it’s for: People with no auto policy in the household, and medical providers treating them.
It asks: Whether you are the injured person or a provider, the crash date, and questions about vehicles and insurance in the household.
You get: Whether the Michigan Assigned Claims Plan is likely the place to apply, and what to do next.
It can’t tell you: The Michigan Automobile Insurance Placement Facility and the insurer it assigns make the decision. Owning an uninsured vehicle involved in the crash, and other exceptions, can bar a claim.

Open the assigned claims (macp) checker The Michigan Assigned Claims Plan

Provider fee schedule calculator

Who it’s for: Medical providers and billing staff with Michigan no-fault patients.
It asks: The date of service, injury date, provider category, the Medicare amount (if Medicare pays for the service) and, optionally, your charge and the amount paid.
You get: The illustrative statutory ceiling under MCL 500.3157 for that service, and any difference from what the insurer paid.
It can’t tell you: It does not check coding, medical necessity or whether the charge is reasonable, and it is not a substitute for reviewing the insurer’s explanation of benefits.

Open the provider fee schedule calculator No-fault claims for medical providers

Two worked examples

These are made-up examples, not clients, run through the same calculations the tools use.

Wage loss after a crash on October 5, 2026

Maria earns $1,100 a week before taxes, which works out to $4,701 per 30 days. Her doctor takes her off work completely. No-fault pays 85% of the income she loses: about $3,996 per 30 days, below the $7,455 cap for her crash date. Two months later she goes back part-time and earns $2,000 per 30 days. She now loses $2,701, so the benefit drops to about $2,296. The benefit can last up to three years from the crash, as long as the injury keeps her from earning her full pay.

Household help while a shoulder heals

After a crash on August 3, 2026, Dan’s doctor restricts him from yard work and housework until November 2, 2026. He pays a neighbor $20 a day, five days a week. Over the 91 days of the restriction that comes to about $1,300. The insurer pays only for help actually provided and paid for, so Dan keeps a log of dates, tasks and payments.

Rules applied: MCL 500.3107(1)(b) and (c); work loss cap from DIFS Bulletin 2026-20-INS. Your own figures depend on your records, and the insurer may dispute them.

Get your papers together

Missing work: the wage-proof checklist lists what you, your doctor and your employer each need to provide.
Benefits denied or stopped: keep the denial letter and note the date it was sent. What to do after a denial explains the clock.
Seeing the insurer’s doctor: read insurer medical exams before you go.
Medical providers: an aging summary by date of service is the fastest way to get a claims review. Don’t send patient records through the website.

Please don’t enter medical records or Social Security numbers into any tool. They don’t need them.

When a calculator isn’t enough

The tools apply general rules. If the insurer has said no, stopped paying, or wants a statement or an exam, talk to a lawyer before the deadline. A consultation is free, and there is no attorney fee unless money is recovered.

Request a free case review Call 313.733.1204 Provider claims review