Michigan No-Fault Insurance

Experienced Michigan No-Fault Law Accident Attorneys

Being the victim of a car accident can be a traumatizing experience; not only are you suffering physical and emotional trauma, but you are also left to deal with an unsympathetic insurance company. We understand how important money can be after a devastating crash. For more than 45 years, The Lobb Law Firm has been helping auto accident victims in Southfield and throughout Michigan get the money they deserve.

We understand the physical, emotional, and psychological difficulties that crash victims face, and we are here to make things easier. We genuinely care and will treat you like a member of our own family, fighting aggressively for your rights and future. Our goal is to get you the money you need and deserve. We are available 24/7. Contact us online or call 844-LOBB-LAW for a free consultation today.

Michigan Auto No-Fault Law

man calling police after car accident

If you have been involved in an auto accident in the state of Michigan, it is important to understand state laws which govern these accidents. Traffic laws, as well as negligence laws, could be relevant in your particular auto accident claim. A police officer will often generate an accident report following your car collision and may reference the traffic laws violated, even identifying the driver at fault in some cases. Usually, the insurance company may conduct its own investigation to determine fault. In either case, determining fault is crucial to your auto injury claim.

Due to changes in the Michigan Auto No-Fault Laws in 2019, Michigan drivers will no longer be required by law to purchase unlimited No-Fault PIP benefits for policies issued or renewed after July 1, 2020. Drivers can choose between a variety of No-Fault medical benefit coverages, and drivers with Medicare may elect not to maintain coverage for No-Fault PIP medical benefits. Under these new no-fault laws, a person injured in a car accident can sue for excess medical costs and economic expenses which exceed the No-Fault PIP cap amount selected.

Every Michigan driver must now choose between six medical benefits options:

1.      Unlimited coverage

2.      Up to $500,000 in coverage

3.      Up to $250,000 in coverage

4.      $250,000 in coverage with PIP Medicaid exclusions

5.      Up to $50,000 in coverage

6.      PIP Medical Opt-Out (Only available to Medicare recipients)

michigan interstate logo

Because of recent changes to the Michigan No-fault laws, you need a No-Fault lawyer with extensive experience and a thorough knowledge of Michigan’s car crash-related laws. Our attorneys have the necessary expertise and resources to help guide you through each step of your claim.  

Contact us today to schedule your free consultation.

Auto Accidents in Michigan


There were 314,377 auto accidents in the state of Michigan in 2019. As a result of those accidents, 985 drivers and passengers were killed, and 74,963 were injured, with 5,629 suspected severe injuries. These numbers are also higher than in 2018, when 974 victims died, and 5,586 sustained severe injuries. A Forbes article published years ago, found that the “average” driver will be involved in a car accident once about every 18 years. So, while you are likely to have 3-4 auto accidents in your lifetime, only about three out of every 1,000 auto accidents involve a fatality.

There are about six million auto accidents in the U.S. each year, with about three million of those resulting in significant injury. Nearly two million drivers or passengers will experience permanent injuries each year from these accidents, with almost ninety people dying each day from an auto collision. 

What are the Primary Injuries Sustained in an Auto Accident?

While your specific injuries will depend on your auto accident circumstances, there are several types of injuries often seen following an auto accident. These include:

Head and brain injuries may occur, including skull fractures, lacerations, traumatic brain injuries (TBI), concussions, and internal bleeding. A head injury can be closed or open, can resolve within a few weeks, or can cause severe issues for months, years, or life.

Neck and back injuries are common, including sprains, strains, spinal cord damage, herniated discs, and whiplash.

Soft-tissue injuries often occur during a car accident, resulting in significant pain which can linger for a very long time. A soft tissue injury involves stretched or torn muscles, tendons, and ligaments.

Spinal injuries can occur, particularly in more severe auto accidents. When the spinal cord is damaged, there can be loss of movement or sensation in the lower extremities with paralysis of legs and lower body or from the neck down.

Broken bones are common auto accident injuries, often requiring surgery and resulting in pain and significant healing time.

Contact a Michigan No-Fault Attorney Today

Our car accident attorneys never want you to handle the frustrations and complexities of a car accident claim on your own. We want to take the burdens from your shoulders, providing you with instant relief as you recover. Many insurance companies will attempt to cut a deal quickly and move on. The insurance companies goal is to avoid paying claims when possible or, alternatively, to pay the absolute minimum.

We will never allow an insurance company to disregard the serious nature of your injuries. After a car accident injury, it’s essential to call an attorney who knows the law and cares about your case and injuries. We have the experience, knowledge, and required resources to take aggressive legal action, helping you get the money you need and deserve. Contact us online or give us a call 844-LOBB-Law for a free consultation about your case.