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Michigan No-Fault Auto Insurance & PIP Claims Lawyer – Secure Your Benefits

In Michigan, No-Fault Auto Insurance and PIP (Personal Injury Protection) claims are designed to cover your medical expenses, lost wages, and more after an accident. However, insurance companies often delay or deny claims, leaving you struggling with mounting bills. The Joseph Dedvukaj Firm, P.C. has extensive experience in fighting for full PIP benefits and ensuring that injured victims receive the compensation they deserve. No fees unless we win—call us for a free consultation today.

A judge reads a document in a Michigan courtroom, an American flag behind them. In front stands a person with long hair, possibly consulting with their no-fault insurance lawyer.

In Michigan, a personal protection insurance lawsuit can be filed against the insurance company responsible to pay no fault benefits. The complaint is how the lawsuit started. You must allege a breach of the statutory duty or contractual duty, if there is an auto insurance policy providing coverage in force. You must allege the auto insurance company failed to pay or delayed in paying no fault insurance benefits. In other words, something must be due and owed by the car insurance company. 

What Does A Personal Protection Insurance Benefits Lawsuit Look Like?

The complaint should set forth the necessary facts to put the insurance company on notice of your claims. You cannot surprise the insurance company later in the case if you have not included all of your claims.

Expert No Fault Auto Insurance Lawyers 

Have you been injured in a car, truck, pedestrian or motorcycle accident? Once you have made a police report and received medical treatment, call the Joseph Dedvukaj firm at 248-885-6614 or toll-free at 866-447-3563 for help with your no fault car insurance claim. You can also request more information and schedule a free case evaluation today.

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Frequently Asked Questions About No-Fault Auto Insurance & PIP Claims

Michigan’s No-Fault Insurance system provides benefits for medical expenses and lost wages after an accident, regardless of fault. Learn how Personal Injury Protection (PIP) claims work and what to do if your benefits are denied.

If your insurance company denies or delays your PIP claim, it may be acting in bad faith. Insurers sometimes dispute medical necessity, claim certain treatments are not covered, or refuse to pay without valid justification. If this happens, you have the right to challenge the denial. A personal injury attorney can negotiate with the insurance company on your behalf and, if necessary, take legal action to ensure you receive the benefits you are entitled to under Michigan law.

Yes, in certain situations, you may be able to file a lawsuit against the at-fault driver. While no-fault insurance covers basic economic losses, it does not provide compensation for pain and suffering unless your injuries meet Michigan’s legal threshold for a “serious impairment of body function.” If your injuries are severe, or if the at-fault driver was uninsured or underinsured, you may have legal grounds to pursue additional compensation through a third-party lawsuit.

Under Michigan law, you must file a PIP claim within one year of the accident. If you miss this deadline, you may lose the right to recover PIP benefits. Additionally, medical providers must submit bills to the insurer within one year of providing treatment. Because these deadlines are strict, it’s important to act quickly and seek legal guidance if you experience delays or denials from your insurance company.

Personal Injury Protection (PIP) is a key component of Michigan’s no-fault insurance. It covers medical expenses, rehabilitation costs, lost wages (up to a certain percentage and for a limited time), attendant care, and replacement services for tasks you cannot perform due to your injuries. PIP coverage levels vary based on the policy you choose, and understanding your benefits can be complex, making it beneficial to consult a legal professional if you encounter issues with your claim.

Michigan operates under a no-fault auto insurance system, meaning that after a car accident, your own insurance company covers medical expenses, lost wages, and other benefits, regardless of who was at fault. This system is designed to ensure that accident victims receive prompt compensation without having to prove liability. However, in cases of severe injuries, you may still have the right to pursue additional compensation from the at-fault driver.