Auto Accident Claims

When you’ve been in a car accident, you don’t have to know everything before you call us, though understanding a few key steps can help protect your rights and strengthen your case.

Michigan’s auto insurance laws can be confusing, especially since every crash involves two possible types of claims. This guide explains how they work and what to expect, in plain language

When you’re injured in a Michigan car accident, you may have two separate but related claims:

1. PIP/No-Fault Benefits Claim (through your own insurance)
2. Bodily Injury Claim (against the at-fault driver)
   

Each serves a different purpose and follows different rules.

This claim typically comes through your own auto insurance policy. If you don’t have insurance, contact us right away. You may still have coverage through Michigan’s Assigned Claims Plan.

No-Fault benefits can help cover:

• Medical bills
• Wage loss
• Prescription costs
• Household services (help with cleaning, childcare, etc.)
• Attendant or nursing care
• Mileage for medical appointments
  

Important Deadlines

• You have one year from the date of your accident to notify your insurance company that you’re seeking PIP/No-Fault benefits.

• Once you’ve put the insurer “on notice,” you have one year from each date of service to pursue payment for that specific expense.
  • Each doctor’s visit, prescription fill, day of home care, or date of missed work counts as a separate service.
    

Example:
If you received physical therapy on May 1, 2025, you must take action on that specific bill by May 1, 2026.

Your No-Fault and Bodily Injury claims are separate and distinct.

• You may resolve one claim while the other continues.
• Payments under one claim do not automatically apply to the other.
  

Because the timing and documentation requirements are strict, it’s essential to talk with an attorney early, even if you’re still recovering.

• Bill your medical care to your auto insurance claim number, not your health insurance, whenever possible. Most health insurance plans won’t cover auto-related injuries.
• Keep detailed records of medical visits, prescriptions, and household help.
• Save all receipts, mileage logs, and correspondence with insurers.
• If you’re unsure which benefits apply, call Shibley Law. We’ll review your situation and make sure your claims are filed correctly and on time.