Is Michigan still a no-fault state?

Yes. Your own insurer pays personal protection insurance benefits regardless of fault, and tort liability is abolished except for noneconomic loss in serious cases, excess economic losses and other listed exceptions (MCL 500.3135(3)).

When can I sue for pain and suffering in Michigan?

Only if you suffered death, a serious impairment of body function, or a permanent serious disfigurement. A serious impairment is objectively manifested, affects an important body function, and affects your general ability to lead your normal life (MCL 500.3135(1) and (5)).

What PIP coverage levels can I choose?

For policies issued or renewed after July 1, 2020, $250,000, $500,000 or unlimited medical coverage, and $50,000 only for Medicaid enrollees whose household meets the statute's conditions (MCL 500.3107c).

How much does Michigan PIP pay for lost income?

85 percent of lost income for up to three years, subject to a monthly maximum adjusted each year, and replacement services of up to $20 a day for three years (MCL 500.3107).

How long do I have to claim PIP benefits and to sue?

An action for PIP benefits must be filed within one year after the accident unless written notice of injury was given or the insurer paid, and you cannot recover benefits for losses incurred more than one year before the action (MCL 500.3145). A tort action must be filed within three years (MCL 600.5805).

Michigan No-Fault / PIP Threshold Calculator

Michigan pays your medical care, 85 percent of lost income and household services through your own PIP coverage up to the level you chose, and lets you sue the at-fault driver for pain and suffering only after death, a serious impairment of body function or a permanent serious disfigurement. Enter your coverage level, losses and injury to see what PIP pays and what you may still claim.

Cited to MCL 500.3107, 500.3107c, 500.3135 and 500.3145 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your PIP benefits and threshold

Enter your coverage level, losses, injury and fault.

Allowable medical expenses (reasonably necessary care, recovery or rehabilitation, after fee-schedule reductions)

Which PIP medical coverage level was selected on the policy?

Gross income you lost per 30-day month because of the injury

Months of work loss

Maximum work loss benefit per 30-day period for your accident date (adjusted each October 1; $7,201 for accidents October 1, 2025 to September 30, 2026)

Total paid to others for household services you could not do

Number of days those services were needed

Were you operating your own vehicle with the required insurance in effect (if you were driving)?

Does your injury meet a noneconomic damages test?

Noneconomic damages (pain and suffering) you would claim if you may sue (your own figure)

Your own percentage of fault, if any (more than 50 bars noneconomic damages)

Estimated result

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Estimate pain and suffering →

Michigan pays your PIP benefits up to the coverage level you chose and lets you sue for pain and suffering only after death, serious impairment or serious disfigurement

Michigan's no-fault rules are in MCL 500.3135 (the tort threshold), 500.3107c (coverage levels) and 500.3107 (the benefits). Deadlines are in 500.3145 and 600.5805.

Read what Michigan PIP covers, what counts as a serious impairment of body function, and how the one-year deadline and one-year-back rule work. If the other driver has little insurance, see Michigan UM/UIM stacking and Michigan medical liens.

Injured in Michigan?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to a Michigan attorney

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Michigan statutes. Confirm how these rules apply to your specific case with a licensed Michigan attorney.

Michigan No-Fault / PIP Threshold Calculator

Estimate your PIP benefits and threshold

Michigan pays your PIP benefits up to the coverage level you chose and lets you sue for pain and suffering only after death, serious impairment or serious disfigurement

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