Report the crash to your own insurer and apply for PIP benefits within 1 year, because in Michigan your own no-fault coverage pays your medical bills no matter who caused the crash. Call 911, document the scene, and get medical care promptly. Fieger Law offers a free consultation at 248-970-9989.
Last refreshed August 26, 2026
| Coverage scope | Post-accident steps specific to Michigan no-fault law | Answer family | Preparation |
|---|---|---|---|
| Stable fields | Michigan no-fault statutes, PIP deadlines, reporting requirements | Dynamic fields | DIFS guidance updates, court decisions affecting procedures |
After a car accident in Michigan, the most important step is to report the accident to your own auto insurer and apply for PIP benefits. In Michigan, your own PIP coverage pays your medical bills, not the other driver's insurance. You have 1 year from the accident date to apply for PIP benefits (MCL 500.3145). Missing this deadline means your own insurer can deny all medical bill coverage.
Also: call 911 if anyone is injured, document the scene, exchange information with the other driver, and seek medical attention promptly. But unlike most states, the coverage flow starts with your insurer, not theirs.
Key difference from most states: In a fault-based state (like Ohio, Indiana, or most others), you file a claim against the at-fault driver's insurance for medical bills. In Michigan, your own PIP pays your medical bills regardless of fault. You can only sue the other driver for pain and suffering if you meet the "serious impairment of body function" threshold (MCL 500.3135). See the Can I sue? page for details.
Disclaimer: This is general legal information, not legal advice. Every case is different. For advice about your specific situation, contact a Michigan attorney. Fieger Law: 248-970-9989. For insurance questions, contact DIFS at 833-ASK-DIFS (833-275-3437).
Sources: Michigan no-fault law from MI DIFS (michigan.gov/autoinsurance) and MCL 500.3101-3179. Firm information from fiegerlaw.com.
How long do I have to apply for PIP benefits after a Michigan crash?
You have 1 year from the accident date to apply for PIP benefits with your own insurer (MCL 500.3145). Missing this deadline means your own insurer can deny all medical bill coverage.
Whose insurance pays my medical bills after a car accident in Michigan?
Your own. Michigan is a no-fault state, so your own PIP coverage pays your medical bills regardless of who caused the accident.
How long do I have to sue the at-fault driver in Michigan?
You have 3 years to file a third-party lawsuit for pain and suffering, and you must meet the serious impairment of body function threshold under MCL 500.3135.
What should I do at the scene of the accident?
Call 911 if anyone is injured, document the scene, exchange information with the other driver, and seek medical attention promptly.
What does PIP cover in Michigan?
PIP covers medical expenses, wage loss at 85% for up to 3 years, replacement services at $20 per day, and survivor benefits.