Understanding Michigan’s No-Fault Auto Insurance System: What Every Driver Needs to Know

If you drive in Michigan, understanding the state’s no-fault auto insurance system is essential. While the term “no-fault” sounds straightforward, the laws governing accident claims can be complex—and navigating them without the right legal guidance can put your rights at risk. At Marienfeld Law PLLC, a trusted law firm in Jackson, MI, we help drivers make sense of these rules and ensure they receive the benefits they’re entitled to.

What is No-Fault Insurance?

Michigan’s no-fault system means that if you’re injured in an auto accident, your own insurance pays for your medical expenses, lost wages, and certain other costs—regardless of who caused the crash. This system was designed to speed up access to benefits and reduce lengthy disputes over fault.

However, it’s not as simple as submitting a claim and getting a check. Your coverage depends on the level of Personal Injury Protection (PIP) you selected, recent law changes, and the specifics of your accident.

What Does No-Fault Cover?

Typical no-fault benefits include:

• Medical expenses related to accident injuries

• Lost income if you can’t work due to injuries

• Replacement services such as help with household chores

• Mileage reimbursement for travel to medical appointments

• 
  

In severe accidents, you may also have the right to pursue a claim against the at-fault driver for pain and suffering.

Why Legal Guidance Matters

While the no-fault system is meant to help accident victims, insurance companies don’t always make it easy. Claims can be delayed, reduced, or denied—and understanding your policy’s fine print is crucial. An experienced personal injury attorney can ensure you receive the full range of benefits you deserve and advise you on whether additional claims are possible.

If you’ve been injured in an auto accident in Jackson or anywhere in Michigan, Marienfeld Law PLLC is here to protect your rights. Contact us today for a free consultation and let our experience work for you.