Being injured in a car accident in Ann Arbor can feel overwhelming, especially when you’re trying to recover physically and figure out how your medical bills will be paid. Michigan’s no-fault insurance laws are designed to simplify the claims process, but many accident victims quickly learn that the system can be confusing without legal help. While it covers some immediate needs, no-fault insurance doesn’t guarantee full compensation for everything you’ve lost. That’s why many injured individuals turn to experienced Ann Arbor personal injury attorneys to protect their rights and make sure they don’t leave money on the table.

What Michigan’s No-Fault Insurance Covers—and What It Doesn’t

Under Michigan’s no-fault system, your own insurance company pays for your medical bills, regardless of who caused the accident. This coverage, known as Personal Injury Protection (PIP), typically includes medical expenses, lost wages, and replacement services like help with household tasks if you’re injured.

However, there are important limits. After recent changes to Michigan’s no-fault law, drivers can now select different levels of medical coverage, which means not everyone has unlimited benefits. If your costs exceed the PIP limit on your policy, you may need to seek compensation elsewhere. Additionally, pain and suffering are not covered under no-fault unless your injuries meet a specific legal threshold.

What Counts as a Serious Injury in Ann Arbor?

To file a lawsuit against the at-fault driver in Michigan, you must meet what’s known as the “serious impairment” standard. This means the injury must significantly affect your ability to live your normal life. Not all injuries meet this threshold, and insurance companies often argue that your condition isn’t severe enough.

This is a critical area where legal representation becomes essential. Proving serious impairment requires thorough documentation, medical opinions, and sometimes expert testimony. If you can’t meet this requirement, you may be stuck with only the limited benefits available through your no-fault policy.

Why the Right Lawyer Can Make a Major Difference

Personal injury claims in Michigan are time-sensitive and detail-heavy. From collecting accident reports to negotiating with insurance adjusters, every step can influence the amount you recover. A skilled attorney knows how to evaluate your case, gather strong evidence, and ensure your claim is taken seriously.

Local experience also matters. Ann Arbor drivers often deal with weather-related accidents, congested traffic near the University of Michigan campus, and other unique factors that can complicate a claim. Attorneys who know the local court system, judges, and insurance tactics specific to Washtenaw County bring an added layer of advantage to your case.

Key Ways a Personal Injury Lawyer Helps

After a car accident, your focus should be on healing—not trying to interpret complicated insurance paperwork. Here are some of the most important ways a lawyer supports accident victims in Ann Arbor:

• Explains Your Insurance Coverage: No-fault laws have changed, and your policy may not cover what you think it does
• Identifies Additional Sources of Compensation: Beyond your own PIP benefits, you may have the right to sue for damages
• Gathers Evidence to Support a Serious Injury Claim: Medical records, witness statements, and expert opinions all strengthen your case
• Deals with Insurance Adjusters: They may offer low settlements or deny claims outright; an attorney can push back effectively
• Represents You in Court: If a fair settlement isn’t possible, your lawyer can file a lawsuit and take your case before a judge or jury

What Ann Arbor Residents Need to Know About Filing Deadlines

Michigan has strict deadlines for filing both no-fault claims and personal injury lawsuits. You typically have one year from the date of the accident to make a PIP claim with your own insurance company. If you’re suing the other driver, the statute of limitations is generally three years.

Missing either deadline can mean giving up your right to recover any compensation. Unfortunately, many people in Ann Arbor delay action because they assume their insurance will take care of everything—until it doesn’t. Acting quickly helps preserve evidence and strengthens your legal position.

Take the First Step Toward a Fair Settlement

Whether your accident happened on Washtenaw Avenue or near Main Street, knowing your legal options is the first step toward protecting yourself. Don’t wait until the medical bills pile up or the insurance company pushes you to settle for less. Speak with trusted Ann Arbor personal injury attorneys who understand Michigan’s no-fault laws and know how to fight for the compensation you deserve. Make sure your recovery includes more than just healing—make sure it includes justice.