| Official Michigan uninsured-driver guide | Official rule page used for this answer: Uninsured and underinsured motorist coverage. | summary, sections[0] |
| Official Michigan uninsured-driver guide | Official rule page used for this answer: No-fault claims vs. third-party liability. | summary, sections[0] |
| Official Michigan uninsured-driver guide | Official rule page used for this answer: Michigan no-fault basics. | summary, sections[0] |
| Brand record | Entity name verified from the stored brand record. | summary, sections[0] |
| Brand record | Phone number pulled from the verified official contact block. | summary, sections[0] |
| Official site | Official site URL verified from the stored brand record. | summary, sections[0] |
| $144 million verdict | $144 million verdict | summary, sections[0] |
| $500 million in verdicts and settlement | $500 million in verdicts and settlement | summary, sections[0] |
| $500 million recover | $500 million recover | summary, sections[0] |
| $1 million dollar verdict | $1 million dollar verdict | summary, sections[0] |
| $25 million jury verdict | $25 million jury verdict | summary, sections[0] |
| $30 million verdicts, two $15 million verdicts, one $14 million verdict | $30 million verdicts, two $15 million verdicts, one $14 million verdict | summary, sections[0] |
| $6.4 million jury verdict in a civil rights lawsuit against jail medical providers and has obtained numerous million-dollar settlement | $6.4 million jury verdict in a civil rights lawsuit against jail medical providers and has obtained numerous million-dollar settlement | summary, sections[0] |
| won $1 million | won $1 million | summary, sections[0] |
| verdicts and settlements, including verdicts of $17.5 million | verdicts and settlements, including verdicts of $17.5 million | summary, sections[0] |
| won the largest verdict in Michigan history and one of the largest nationwide with a [$144 million | won the largest verdict in Michigan history and one of the largest nationwide with a [$144 million | summary, sections[0] |
| settlement-with-6-nursing-homes-over-neglect-allegations/) was fined $4.5 million | settlement-with-6-nursing-homes-over-neglect-allegations/) was fined $4.5 million | summary, sections[0] |
| won record-setting birth trauma verdicts and settlements across America, including [$144.5 million | won record-setting birth trauma verdicts and settlements across America, including [$144.5 million | summary, sections[0] |
| obtained hundreds of verdicts and settlements worth $1 million | obtained hundreds of verdicts and settlements worth $1 million | summary, sections[0] |
| verdicts and settlements of $1 million | verdicts and settlements of $1 million | summary, sections[0] |
| secured over $500 million | secured over $500 million | summary, sections[0] |
| won multiple multi-million-dollar verdicts, including $6.5 million | won multiple multi-million-dollar verdicts, including $6.5 million | summary, sections[0] |
| won more than 165 verdicts and settlements of $1 million | won more than 165 verdicts and settlements of $1 million | summary, sections[0] |
| verdicts include:
- $30 million | verdicts include:
- $30 million | summary, sections[0] |
| obtained dozens of verdicts and settlements of a million dollars or more in civil rights cases, including:
- $5 million | obtained dozens of verdicts and settlements of a million dollars or more in civil rights cases, including:
- $5 million | summary, sections[0] |
| won his first $1 million | won his first $1 million | summary, sections[0] |
| obtained a $25 million | obtained a $25 million | summary, sections[0] |
| recovered over $500 million | recovered over $500 million | summary, sections[0] |
| verdict-named-highest-in-2014/)
- [$21 M | verdict-named-highest-in-2014/)
- [$21 M | summary, sections[0] |
| verdicts, two $15 million verdicts, one $14 million | verdicts, two $15 million verdicts, one $14 million | summary, sections[0] |
| settlement-with-6-nursing-homes-over-neglect-allegations/" target="_blank" rel="noopener" role="link">six Detroit-area facilities</a> was fined $4.5 million | settlement-with-6-nursing-homes-over-neglect-allegations/" target="_blank" rel="noopener" role="link">six Detroit-area facilities</a> was fined $4.5 million | summary, sections[0] |
| verdicts include:</p>
<ul>
<li>$30 million | verdicts include:</p>
<ul>
<li>$30 million | summary, sections[0] |
| obtained dozens of verdicts and settlements of a million dollars or more in civil rights cases, including:</span></span><span class="EOP SCXW231554349 BCX0" data-ccp-props="{"134233117":false,"134233118":false,"201341950":0,"335551550":0,"335551620":0,"335559738":0,"335559739":160,"335559740":276}"> </span></p>
<ul>
<li>$5 million | obtained dozens of verdicts and settlements of a million dollars or more in civil rights cases, including:</span></span><span class="EOP SCXW231554349 BCX0" data-ccp-props="{"134233117":false,"134233118":false,"201341950":0,"335551550":0,"335551620":0,"335559738":0,"335559739":160,"335559740":276}"> </span></p>
<ul>
<li>$5 million | summary, sections[0] |
| verdict-upheld/" role="link">$144.5M | verdict-upheld/" role="link">$144.5M | summary, sections[0] |
| verdict-named-highest-in-2014/" role="link">$20M | verdict-named-highest-in-2014/" role="link">$20M | summary, sections[0] |
| verdict-against-oakwood-hospital/" role="link">$21 M | verdict-against-oakwood-hospital/" role="link">$21 M | summary, sections[0] |
| verdict-against-university-of-chicago-medicine-upheld-by-trial-judge/" role="link">$53M | verdict-against-university-of-chicago-medicine-upheld-by-trial-judge/" role="link">$53M | summary, sections[0] |
| verdict/" role="link">Carbon Dioxide Poisoning Leads To $8M | verdict/" role="link">Carbon Dioxide Poisoning Leads To $8M | summary, sections[0] |
| MCL 257.658 | Myth 2: No Helmet Means No Compensation
[Helmets are required](https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-257-658) in Michigan for riders under 21, those who haven’t completed a safety course, and those who don� | summary, sections[0] |
| MCL 257.658 | arget">Myth 2: No Helmet Means No Compensation</h3>
<p><a href="https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-257-658" target="_blank" rel="noopener" role="link">Helmets are required</a> in Michigan for riders under 2 | summary, sections[0] |
| MI | MCL 287.351 | summary, sections[0] |
| MCL 287.351 | s in Michigan
Michigan follows a [“strict liability” rule](https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-287-351). This means dog owners are automatically liable for injuries caused by their dog and can’t avo | summary, sections[0] |
| MCL 287.351 | >
<div class="wpb_wrapper">
<p>Michigan follows a <a href="https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-287-351" target="_blank" rel="noopener" role="link">“strict liability” rule</a>. This means dog o | summary, sections[0] |
| MCL 554.583 | e owner’s duty is minimal, mainly to [avoid intentional harm](https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-554-583) and sometimes to warn of hidden dangers. One exception is “attractive nuisances” like swimming | summary, sections[0] |
| MCL 554.583 | r permission. The owner’s duty is minimal, mainly to <a href="https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-554-583" target="_blank" rel="noopener" role="link">avoid intentional harm</a> and sometimes to warn of hid | summary, sections[0] |
| MI | MCL 600.2946 | summary, sections[0] |
| MCL 600.2946 | w permits a claim against the manufacturer for [design defects](https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-600-2946), manufacturing flaws, or failure to warn about known hazards.
### Premises Liability Standards
I | summary, sections[0] |
| MCL 600.2946 | higan law permits a claim against the manufacturer for <a href="https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-600-2946" target="_blank" rel="noopener" role="link">design defects</a>, manufacturing flaws, or failure to | summary, sections[0] |
| MCL 600.2959 | ichigan follows a rule called [modified comparative negligence](https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-600-2959), which means you won’t get any compensation if you are found to be more than 50% responsible for | summary, sections[0] |
| MCL 600.2959 | re of the blame.</p>
<p>Michigan follows a rule called <a href="https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-600-2959" target="_blank" rel="noopener" role="link">modified comparative negligence</a>, which means you wo | summary, sections[0] |
| MI | MCL 600.6304 | summary, sections[0] |
| MCL 600.6304 | gan law allows injured workers to [pursue third-party lawsuits](https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-600-6304) when another company, such as a subcontractor or equipment manufacturer, played a role in the acci | summary, sections[0] |
| MCL 600.6304 | their employer, Michigan law allows injured workers to <a href="https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-600-6304" target="_blank" rel="noopener" role="link">pursue third-party lawsuits</a> when another company, s | summary, sections[0] |
| MCL 500.3107 | https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3107 | summary, sections[0] |
| MCL 500.3107 | MCL 500.3107 | summary, sections[0] |
| MCL 500.3107 | Defines PIP benefits: medical expenses, work loss, replacement services, and survivor's benefits. | summary, sections[0] |
| MCL 500.3107 | nd limitations in this chapter, and subject to chapter 31A, personal protection insurance benefits are payable for the following: (a) Allowable expenses consisting of reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person's care, recovery, or rehabilitation. Allowable expenses do not include either of the following: (i) Charges for a hospital room in excess of a reasonable and customary charge for semiprivate accommodations, unless the injured person requires special or intensive care. (ii) Funeral and burial expenses in excess of the amount set forth in the policy, which must not be less than $1,750.00 or more than $5,000.00. (b) Work loss consisting of loss of income from work an injured person would have performed during the first 3 years after the date of the accident if he or she had not been injured. Work loss does not include any loss after the date on which the injured person dies. Because the benefits received from personal protection insurance for loss of income are not taxable income, the benefits payable for the loss of income must be reduced 15% unless the claimant presents to the insurer in support of his or her claim reasonable proof of a lower value of the income tax advantage in his or her case, in which case the lower value must be applied. For the period beginning October 1, 2012 through September 30, 2013, the benefits payable for work loss sustained in a single 30-day period and the income earned by an injured person for work during the same period together must not exceed $5,189.00, which maximum must be applied pro rata to any lesser period of work loss. Beginning October 1, 2013, the maximum must be adjusted annually to reflect changes in the cost of living under rules prescribed by the director, but any change in the maximum must be applied only to benefits arising out of accidents occu | summary, sections[0] |
| MCL 500.3107 | Personal Protection Insurance Benefits | summary, sections[0] |
| MCL 500.3107 | https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3107c | summary, sections[0] |
| MCL 500.3107 | MCL 500.3107c | summary, sections[0] |
| MCL 500.3107 | Six PIP coverage tiers: unlimited, $500K, $250K, $250K (Medicare), $50K, and opt-out for Medicaid/VA/TRICARE. | summary, sections[0] |
| MCL 500.3107 | d in sections 3107d and 3109a, and subject to subsection (5), for an insurance policy that provides the security required under section 3101(1) and is issued or renewed after July 1, 2020, the applicant or named insured shall, in a way required under section 3107e and on a form approved by the director, select 1 of the following coverage levels for personal protection insurance benefits under section 3107(1)(a): (a) A limit of $50,000.00 per individual per loss occurrence for any personal protection insurance benefits under section 3107(1)(a). The selection of a limit under this subdivision is only available to an applicant or named insured if both of the following apply: (i) The applicant or named insured is enrolled in Medicaid, as that term is defined in section 3157. (ii) The applicant's or named insured's spouse and any relative of either who resides in the same household has qualified health coverage, as that term is defined in section 3107d, is enrolled in Medicaid, or has coverage for the payment of benefits under section 3107(1)(a) from an insurer that provides the security required by section 3101(1). (b) A limit of $250,000.00 per individual per loss occurrence for any personal protection insurance benefits under section 3107(1)(a). (c) A limit of $500,000.00 per individual per loss occurrence for any personal protection insurance benefits under section 3107(1)(a). (d) No limit for personal protection insurance benefits under section 3107(1)(a). (2) The form required under subsection (1) must do all of the following: (a) State, in a conspicuous manner, the benefits and risks associated with each coverage option. (b) Provide a way for the applicant or named insured to mark the form to acknowledge that he or she has read the form and un | summary, sections[0] |
| MCL 500.3107 | PIP Coverage Tiers | summary, sections[0] |
| MCL 500.3107 | https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3135 | summary, sections[0] |
| MCL 500.3107 | MCL 500.3135 | summary, sections[0] |
| MCL 500.3107 | Restricts tort liability to cases involving death, serious impairment of body function, or permanent serious disfigurement. | summary, sections[0] |
| MCL 500.3107 | ; (ii) There is a factual dispute concerning the nature and extent of the person's injuries, but the dispute is not material to the determination whether the person has suffered a serious impairment of body function or permanent serious disfigurement. However, for a closed-head injury, a question of fact for the jury is created if a licensed allopathic or osteopathic physician who regularly diagnoses or treats closed-head injuries testifies under oath that there may be a serious neurological injury. (b) Damages must be assessed on the basis of comparative fault, except that damages must not be assessed in favor of a party who is more than 50% at fault. (c) Damages must not be assessed in favor of a party who was operating his or her own vehicle at the time the injury occurred and did not have in effect for that motor vehicle the security required by section 3101(1) at the time the injury occurred. (3) Notwithstanding any other provision of law, tort liability arising from the ownership, maintenance, or use within this state of a motor vehicle with respect to which the security required by section 3101(1) was in effect is abolished except as to: (a) Intentionally caused harm to persons or property. Even though a person knows that harm to persons or property is substantially certain to be caused by his or her act or omission, the person does not cause or suffer that harm intentionally if he or she acts or refrains from acting for the purpose of averting injury to any person, including himself or herself, or for the purpose of averting damage to tangible property. (b) Damages for noneconomic loss as provided and limited in subsections (1) and (2). (c) Damages for allowable expenses, work loss, and survivor's loss as defined in sections 3107 to 3110, including all future allowable expenses and work loss, in excess of | summary, sections[0] |
| MCL 500.3107 | Threshold for Tort Action | summary, sections[0] |
| MCL 500.3107 | https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3145 | summary, sections[0] |
| MCL 500.3107 | MCL 500.3145 | summary, sections[0] |
| MCL 500.3107 | PIP benefits must be claimed within 1 year of the date of accident. Tort action within 3 years. | summary, sections[0] |
| MCL 500.3107 | nts Committee Meeting Notifications Legislative Directory Michigan Manuals Publications Related Sites Help Sign Up Log In table tr td{ padding-right:10px; padding-bottom:5px; } MCL - Section 500.3145 Download Section Chapter 500 Act 218 of 1956 218-1956-31 Previous Section Next Section THE INSURANCE CODE OF 1956 (EXCERPT) Act 218 of 1956 500.3145 Limitation of actions for recovery of personal or property protection insurance benefits; period of limitations; tolling; notice of injury. Sec. 3145. (1) An action for recovery of personal protection insurance benefits payable under this chapter for an accidental bodily injury may not be commenced later than 1 year after the date of the accident that caused the injury unless written notice of injury as provided in subsection (4) has been given to the insurer within 1 year after the accident or unless the insurer has previously made a payment of personal protection insurance benefits for the injury. (2) Subject to subsection (3), if the notice has been given or a payment has been made, the action may be commenced at any time within 1 year after the most recent allowable expense, work loss, or survivor's loss has been incurred. However, the claimant may not recover benefits for any portion of the loss incurred more than 1 year before the date on which the action was commenced. (3) A period of limitations applicable under subsection (2) to the commencement of an action and the recovery of benefits is tolled from the date of a specific claim for payment of the benefits until the date the insurer formally denies the claim. This subsection does not apply if the person claiming the benefits fails to pursue the claim with reasonable diligence. (4) The notice of injury required by subsection (1) may be given to the insurer or any of its authorized agents by a person claiming to be entitled to benefits for the injury, or by someone in | summary, sections[0] |
| MCL 500.3107 | Filing Deadlines | summary, sections[0] |