Filing No-Fault Accident Claims in Michigan: Step-by-Step 2025 Guide
Michigan’s unique no-fault auto insurance system promises unlimited lifetime medical benefits through Personal Injury Protection (PIP), but only if you file correctly and on time. One missed deadline or unchecked box can leave you personally responsible for tens of thousands in medical bills — even if the crash wasn’t your fault. With 2025 PIP medical costs averaging $1.2–$1.8 million for catastrophic injuries and many drivers still on the unlimited option, knowing the exact steps is non-negotiable. Here’s your complete, updated guide for filing PIP and property damage claims in Michigan this year. Step-by-Step PIP Medical Claim Process (2025) Seek Treatment Immediately Go to the ER or urgent care — do not wait. Your health and the paper trail start here. Notify Your Own Insurer Within 24–48 Hours Call the claims number on your LA Insurance card (or whichever company insures the vehicle you were in). Michigan law requires written notice within 1 year , but most policies demand a...