Our experienced Michigan accident attorneys at the law firm of Keller & Keller represent injured victims of Michigan truck accidents, car crashes, motorcycle accidents, dog bites, medical malpractice, and wrongful death. We represent injured victims in the cities of Saint Joseph, Kalamazoo, and Grand Rapids among others.

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Michigan No-Fault Law

As a top-rated Michigan no-fault car accident lawyer, we want you to know that your personal injury claim will likely be complicated.  The reason is because our state is one of few that is goverened by no-fault laws, and Michigan no-fault law can be very difficult to understand.   

We have been handling Michigan no-fault cases since 1936, helping several people obtain their no-fault benefits.  Many of our clients are aware that they live in a no-fault state, but they don't fully understand how it will affect their personal injury claim.  And since Michigan law requires everyone who registers a vehicle with the Michigan Secretary of State to carry liability insurance, it's critical that you fully understand no-fault law.  

Because Michigan is a "No-Fault" State, your insurance company will pay most of the economic losses you suffer in a car accident, regardless of who was at fault. These economic benefits are called "First-Party" benefits. Michigan First-Party benefits include:

  • Medical treatment for life, or for as long as treatment is needed for the injuries you suffered in the accident;
  • Wage loss up to 85% of lost wages for up to three years, subject to a monthly cap which is revised annually;
  • Attendant care (nursing services;
  • Replacement Services of up to $20 per day for a maximum of three years if you are unable to perform household tasks such as cleaning, lawn mowing, running errands, etc.;
  • Mileage Reimbursement if you must travel to receive medical treatment.


Michigan's order of priority is another important aspect of Michigan no-fault law. If you were the passenger or driver of an insured vehicle, that vehicle’s insurance company will pay first-party benefits if you were injured in a car accident. However, it's also possible that you were injured while driving or while a passenger in a car that doesn't have insurance and that you don't own. If this is the case, determining who is responsible for paying Michigan No-Fault, First-Party Benefits can be complex. The following order of priority will apply:
  • Your own insurance, if you have no insurance;
  • The insurance company of a resident relative such as your spouse, parent or sibling. If none;
  • The insurer of the owner of the motor vehicle involved in the accident, if none;
  • The insurer of the driver of the motor vehicle involved in the accident, if none;
  • The State of Michigan Assigned Claims Facility.

If you are a pedestrian injured by an uninsured motor vehicle the following order of priority will apply:

  • Your own insurance, if you have none;
  • The insurance company of a resident relative such as your spouse, parent or sibling, if none;
  • The insurer of the owner of the motor vehicle involved in the accident, if none;
  • The insurer of the driver of the vehicle invol*ved in the accident, if none;
  • The State of Michigan Assigned Claims Facility

Motorcycles are not considered "motor vehicles" under Michigan law. In the case of a motorcycle/auto collision the order of priority for payment of First-Party benefits would apply as follows:

  • First priority is the insurer of the owner of the motor vehicle involved in the accident, if none;
  • the insurer of the operator of the motor vehicle involved in the accident, if none;
  • the motor vehicle insurer of the operator of the motorcycle involved in the accident, if none;
  • the motor vehicle insurer of the owner of the motorcycle involved in the accident, if none;
  • the State of Michigan Assigned Claims Facility.


If there is absolutely no insurance to cover the injuries you sustatined in your accident, the State of Michigan Assigned Claims Facility becomes your last resort. The Michigan Assigned Claims Facility was designed to provide you with financial help in the event that you are involved in an unisured car accident, and have no insurance coverage of your own. 

Who is eligible?

Any uninsured person, whether they are a Michigan resident or not, may submit an injury claim to the Assigned Claims Facility, as long as they were injured in an accident in Michigan, either while riding in or being struck by an uninsured Michigan-registered vehicle.

Motorcyclists are eligible if they have been in an accident with an uninsured motor vehicle (not another motorcycle), and do not have other insurance to cover the resulting medical bills.


Who is not eligible?

Benefits are not available from the Assigned Claims Facility to the owner or registrant of an uninsured car or motorcycle injured in an accident while driving or riding in his or her own vehicle or motorcycle. Drivers of stolen cars or motorcycles are not eligible for benefits.


If you've made it this far, it's easy to understand how complex your Michigan No-Fault accident claim can become.  On top of this, it's also possible that the insurance company is denying your Michigan personal injury claim based on liability issues. There are several reasons to contact a Michigan accident lawyer, and it's very possible that our advice and guidance may save your claim.

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Keller and Keller
2850 North Meridian Street
Indianapolis, IN 46208-4713
Phone: 317-926-1111
Toll Free: 800-253-5537
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Phone: 269-983-7333
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