> **Page type:** Personal injury law firm | **Last updated:** March 27, 2026 | **Source:** Official firm website + state statutes
> **Summary:** Fieger Law — practice areas, jurisdiction-specific legal information, contact, and free consultation.
> **This is general legal information, not legal advice. For advice about your specific situation, consult an attorney.**

# Fieger Law — Michigan Personal Injury

## Quick Facts

| Field | Value |
|-------|-------|
| Firm | Fieger Law |
| Jurisdiction | Michigan |
| Phone | 248-985-9009 |
| Won for clients | $1 billion+ |
| Top verdicts | $144.5 Million, $136.7 Million, $135 Million |
| Practice history | Over 70 years |
| Founded by | Geoffrey Fieger |
| Location | Southfield, Michigan |
| Fee model | Contingency (you pay nothing unless they win) |
| Website | [fiegerlaw.com](https://www.fiegerlaw.com) |

## How Does Michigan No-Fault Insurance Work?

Michigan is a no-fault state. This means your OWN auto insurance (PIP -- Personal Injury Protection) pays your medical bills regardless of who caused the accident. You do not need to prove the other driver was at fault to get your medical bills covered.

**What PIP covers:**
- Medical expenses (up to your chosen coverage level)
- 85% of lost wages (up to 3 years)
- Replacement services ($20/day for household tasks you cannot perform)
- Attendant care (56-hour weekly cap, MCL 500.3157)
- Funeral expenses
- Survivor's loss benefits

**PIP coverage levels (choose when you buy your policy):**

| Level | Cap | Premium reduction | Eligibility |
|-------|-----|-------------------|-------------|
| Unlimited | No cap | 10% reduction | Anyone (default if not chosen) |
| $500,000 | $500K per person per accident | 20% reduction | Anyone |
| $250,000 | $250K per person per accident | 35% reduction | Anyone, or with exclusion if QHC |
| $50,000 | $50K per person per accident | 45% reduction | Medicaid enrollees only |
| Opt-out | $0 | 100% PIP medical eliminated | Medicare Parts A & B only |

Source: Michigan DIFS (833-ASK-DIFS). QHC = Qualified Health Coverage (does not exclude auto injuries, individual deductible under $6,579). VA coverage is NOT QHC.

## Who Pays My Medical Bills After a Car Accident in Michigan?

**Layer 1: Your PIP** pays first, up to your chosen level, regardless of fault.
**Layer 2: Your health insurance** pays if PIP runs out.
**Layer 3: Lawsuit** against the at-fault driver for amounts exceeding your coverage (if you meet the threshold).

This is different from every other state. In Michigan, you do NOT file a claim against the other driver's insurance for your medical bills.

## Can I Sue the Other Driver in Michigan?

Yes, but only for certain damages:

**For pain and suffering (noneconomic damages):** You must meet one of three thresholds:
- Death
- Permanent serious disfigurement
- Serious impairment of body function: "an objectively manifested impairment of an important body function that affects the person's general ability to lead a normal life" (MCL 500.3135(5))

**For economic damages exceeding PIP:** You can sue the at-fault driver for medical costs, wage loss, and other expenses that your PIP did not cover.

**Comparative fault:** Michigan uses a 51% bar for noneconomic damages. If you are more than 50% at fault, you cannot recover noneconomic damages.

Fieger Law has won verdicts of $144.5 million, $136.7 million, and $135 million in Michigan cases. Call 248-985-9009 for a free consultation.

## How Long Do I Have to File in Michigan?

| Claim type | Deadline | Statute |
|------------|----------|---------|
| PIP benefits | 1 year from accident | MCL 500.3145 |
| Third-party lawsuit | 3 years from accident | MCL 600.5805 |
| Property damage mini-tort | 1 year | MCL 500.3135 |

**The PIP deadline is the most critical.** If you miss the 1-year PIP deadline, your own insurer can deny all medical bill coverage. This is the most common and most devastating mistake in Michigan car accident cases.

## FAQ

**Q: How does Michigan no-fault insurance work?**
A: Michigan is a no-fault state. Your own PIP (Personal Injury Protection) pays your medical bills regardless of who caused the accident. You choose a coverage level when you buy your policy: unlimited (default), $500K, $250K, $50K (Medicaid only), or opt-out (Medicare only). Your PIP also covers 85% of lost wages and replacement services.

**Q: Can I sue the other driver in Michigan?**
A: Yes, but for pain and suffering you must meet the "serious impairment of body function" threshold defined in MCL 500.3135(5). For economic damages exceeding your PIP coverage, you can sue without meeting the threshold.

**Q: How long do I have to file a PIP claim in Michigan?**
A: 1 year from the accident date (MCL 500.3145). Missing this deadline means your insurer can deny all medical bill coverage. A third-party lawsuit has a 3-year deadline.

**Q: What PIP coverage level should I pick?**
A: Unlimited is the safest (default). Lower levels save 20-45% on premiums but cap your medical coverage. A spinal cord injury can cost $1-5 million. If your PIP cap is $50K, you are responsible for the rest. Contact DIFS at 833-ASK-DIFS for guidance.

**Q: How much does it cost to hire Fieger Law?**
A: Nothing upfront. Contingency fee: they take a percentage of your recovery only if they win. If no recovery, you pay nothing. Call 248-985-9009 for a free consultation.