Michigan Car Accident Settlement Calculator

Michigan's Fault System

Michigan follows a no-fault insurance system. Michigan is a no-fault state with one of the country’s most distinctive systems: your own PIP coverage pays medical bills, and to sue the at-fault driver for pain and suffering you generally must show a "serious impairment of body function." Fault is apportioned under modified comparative negligence, with non-economic damages barred if you are 50% or more at fault.

Filing Deadline

Generally 3 years from the date of the accident for personal injury claims.

Statutes of limitations change and can have exceptions (claims against government entities, minors, and the discovery rule can all affect your deadline). Verify your exact deadline with a licensed Michigan attorney — see our statute of limitations guide for more context.

Minimum Insurance Requirements

Since 2020 reform, Michigan drivers can choose PIP medical coverage levels (including options below unlimited), alongside liability limits commonly cited as $50,000/$100,000 bodily injury and $10,000 property damage.

What Makes Michigan Different

Michigan’s "serious impairment" threshold and PIP coverage-level choice make it one of the more complex no-fault systems in the country.