What is a first-party claim for No Fault in Michigan?

When someone is injured in a car accident in Michigan, there are two potential ways to recover money or sue for payment on your injuries.  The two ways in Michigan are: first party no fault insurance claims (PIP) and third party no fault insurance claims.

What is a first party no fault insurance claim in Michigan?

A first-party no-fault insurance claim in Michigan also known as a personal injuries protection claim (PIP) is when a person sues their own insurance company for benefits they are entitled to under Michigan’s No-Fault insurance law.  This is a claim that is based on contract law meaning that the person who holds the car insurance contract is entitled to no fault benefits.  Since its a contract between you and the insurance company that is why you may have to sue your own insurance provider.  The way it works is that when a person is in a car accident, then they, as the injured person in Michigan, are entitled to:

  • Medical Expenses
  • Attendant Care
  • Work Loss Benefits
  • Household Replacement Services
  • Survivors’ Loss Benefit
  • Plus possible other benefits

If the insurance company doesn’t pay the injured person or stops payment, then the injured person would sue their own insurance company to get the benefits they are entitled to and deserve.

Call me for a free consultation if you are involved in a car accident in Ann Arbor, Ypsilanti, Saline, Milan, Dexter, Chelsea, Manchester, Jackson, Howell, Fowlerville, Brighton, Whitmore Lake, Plymouth, Northville, Belleville, or the surrounding Washtenaw, Wayne, Jackson, Livingston, Lenawee counties.  I will meet with you personally to see if you have a first-party, third-party, or both types of claims.  I am experienced auto accident attorney who will listen and aggressively pursue your claims.

For more information, here is the link to the PIP Benefits Law: click here.