Michigan No‑Fault (PIP) Claims

Your benefits. Your recovery. Our job is to protect both.

After a crash in Michigan, No‑Fault (Personal Injury Protection or PIP) benefits can pay critical bills regardless of who caused the accident. The rules and deadlines are technical — and mistakes can cost you coverage. At Liss, Shapero & Mitnick (LSM), you get the entire team on day one to file correctly, fight denials and delays, and coordinate every benefit with your liability claim.

Free consultation • No fee unless we win
Call 248‑584‑1300 or 1‑855‑LISS‑LAW (855‑547‑7529)
2695 Coolidge Highway, Berkley, MI 48072 — Serving Metro Detroit and all of Michigan

What are No‑Fault (PIP) benefits?

Michigan No‑Fault (PIP) can cover:

• Medical expenses related to the crash (hospital, surgery, therapy, medications, equipment)
• In‑home or facility attendant care when needed
• Wage loss for time you can’t work (subject to limits)
• Replacement services (help with daily tasks at home)
• Mileage and transportation to medical appointments
• Funeral/burial benefits in fatal cases

Your policy’s medical coverage level and coordination options can affect what is payable and by whom. We’ll read the fine print and explain it in plain English.

Who pays? Understanding priority

Michigan law uses a priority system to decide which insurer pays your PIP benefits. Depending on the facts, it may be:

• Your own auto insurer
• The insurer of a resident relative
• The vehicle’s insurer (if you were an occupant)
• The Michigan Assigned Claims Plan (MACP) if no qualified policy applies

We determine the correct priority and file the right forms with the right company so you don’t get bounced around.

Deadlines you can’t miss

• Application for Benefits: Strict notice timelines apply; missing them can jeopardize coverage.
• One‑year rules: Medical bills and other PIP benefits generally must be submitted and pursued within specific time limits or they can be limited by the “one‑year‑back” rule.
• Special notices: Government‑entity and road‑defect claims can have much shorter notice deadlines.

Call us early. We’ll calendar every deadline and keep the claim on track.

Common problems we fix

• Delayed or denied bills despite clear medical necessity
• IME cut‑offs after a brief exam by the insurer’s doctor
• Home or family attendant‑care disputes
• Coverage level confusion after a policy change
• Coordination with health insurance and handling deductibles/co‑pays
• Mileage/replacement‑services underpayments
• Assigned Claims (MACP) filings and appeals when you don’t have a qualifying policy

When an insurer refuses to pay on time, we pursue all available remedies, including interest and attorney‑fee exposure in applicable cases.

How No‑Fault fits with your injury (liability) case

PIP helps with immediate benefits regardless of fault. Separately, if another person or company caused your injuries, we pursue a liability claim for pain and suffering, excess economic loss, and future care not covered by PIP. We coordinate both tracks to maximize your net recovery and manage liens properly.

Our process (simple and proactive)

1. Listen & triage: learn your medical needs and work situation.
2. Policy review: confirm coverage level, coordination, exclusions, and priority.
3. File correctly: prepare the Application for Benefits and required authorizations with targeted medical releases (not blanket).
4. Build the medical record: organize bills, records, and provider statements; schedule supportive evaluations when appropriate.
5. Push the claim: track deadlines, challenge IMEs, and escalate to litigation when needed.
6. Coordinate with your liability case so nothing falls through the cracks.

What to do right now

1. Get medical care and follow your treatment plan.
2. Gather documents: auto policy, health insurance card, crash report, medical bills, and any denial letters/EOBs.
3. Track expenses & mileage for appointments.
4. Don’t sign broad releases or give recorded statements to adjusters before you speak with us.
5. Call LSM — we’ll take over filings and communications.

FAQs: Michigan No‑Fault (PIP)

If I don’t own a car, do I still get PIP?
Often yes. Priority rules may route coverage through a household policy or the MACP. We’ll map the correct path.

What if I changed my PIP medical coverage level?
Your selected level can impact what’s payable. We’ll explain how your level affects benefits and pursue other sources (liability, UM/UIM) to cover gaps.

The insurer sent me to an IME and cut off benefits — now what?
We challenge biased exams with treating‑provider support and, when needed, litigation to reinstate and collect overdue benefits.

Do PIP benefits affect my settlement against the at‑fault driver?
PIP and liability claims cover different categories. We coordinate both so you don’t double‑count or leave money on the table.

Can family members be paid for helping me at home?
Yes, when the care is medically necessary and properly documented. We help set up logs and provider statements.

‍

Liss, Shapero & Mitnick — Integrity, clarity, client‑first.

‍