What Are PIP Benefits Under Michigan No-Fault Law?
Q: What are PIP benefits under Michigan's No-Fault Law?
A: Personal Injury Protection (PIP) benefits pay for reasonable and necessary medical treatment, attendant care, replacement services, and wage loss after a Michigan car accident, regardless of who caused the crash. Coverage depends on the PIP level you selected on your auto policy, so review your declarations page after an accident.
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Q: How long do I have to file a No-Fault claim in Michigan?
A: Michigan law generally requires written notice of your injury within one year of the accident, and any lawsuit for unpaid PIP benefits must be filed within one year of the date that expense was incurred. Missing these deadlines can permanently bar your claim, so prompt action matters.
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Q: What should I do if my insurer denies or delays my PIP claim?
A: Document every medical bill, wage statement, and communication with the insurer, then consult an attorney promptly. Insurers who unreasonably delay or deny valid PIP claims may owe penalty interest and attorney fees under Michigan law, and an experienced advocate can help compel payment and protect your benefits.