Michigan's no-fault insurance system provides certain benefits regardless of who caused the accident. However, those benefits are different from a personal injury lawsuit against the at-fault driver.

No-fault benefits may help cover:

• Medical expenses (subject to your selected coverage level)
• Lost wages
• Replacement services for household tasks you can't perform because of your injuries
• Mileage to medical appointments and certain other allowable expenses

A personal injury lawsuit, on the other hand, seeks compensation from the at-fault party for losses that no-fault benefits do not fully cover, such as:

• Pain and suffering
• Emotional distress
• Permanent disability or disfigurement
• Excess medical expenses or lost income beyond available no-fault benefits

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