Under Michigan’s no-fault law, your own auto insurer is responsible for paying your medical bills, lost wages, and replacement services — even if black ice caused the crash. Your first steps should be:

• Report the accident to your insurance company immediately. Delays can affect your Personal Injury Protection (PIP) eligibility.
• Seek medical care right away and follow all treatment plans.
• Document everything — weather conditions, road conditions, photos of your vehicle, and the police report.
• File your written Application for No-Fault Benefits within one year. Missing this deadline can bar your claim.

If another driver contributed to the crash or a governmental entity failed to maintain the roadway, you may also have a liability claim. Our team walks you through every step and ensures you don’t miss critical deadlines.