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Understanding Car Accidents and No-Fault Insurance in Michigan

January 4, 2024

As a driver in the Great Lakes State, it is essential to understand the unique aspects of Michigan's no-fault insurance system. In this blog post, we’ll explore car accidents and no-fault insurance in Michigan to provide you with a clear understanding of the legal landscape and highlight the importance of professional advice from accident attorneys, such as our team at Moss & Colella.

Understanding Michigan's No-Fault Insurance

Michigan's no-fault insurance system is designed to simplify the process of dealing with car accidents. Under the Michigan no-fault insurance system, individuals involved in a car accident receive compensation from their own insurance companies, regardless of who caused the accident. This approach contrasts with traditional fault-based systems, where the party responsible for the accident (and their insurance) would typically bear the financial burden for all parties involved. The goal is to ensure prompt compensation for medical expenses and economic losses, reducing the need for litigation to determine fault.

Key Components of No-Fault Insurance in Michigan

Michigan's no-fault insurance system is built on several key components, each designed to provide comprehensive coverage and protection to drivers and passengers involved in car accidents. Understanding these components is essential for Michigan residents, as they form the foundation of how car accident claims are processed and compensated in the state.

1. Personal Injury Protection (PIP) Coverage

2. Property Protection Insurance (PPI)

3. Residual Bodily Injury Liability Insurance

4. Limited Property Damage Liability

5. Optional Coverage

The no-fault insurance system in Michigan is comprehensive, offering a range of protections from medical expenses to property damage. Understanding these components helps residents navigate post-accident procedures with clarity, ensuring they utilize the full extent of their coverage when needed.

When You Should Seek Legal Assistance

Experiencing a car accident can be a tumultuous and confusing time. While Michigan's no-fault insurance system is designed to streamline the compensation process for accident victims, there are certain scenarios where seeking legal assistance is not only advisable but essential. Understanding when to consult a Michigan car accident lawyer can significantly impact the outcome of your insurance claims and legal proceedings.

Situations Warranting Legal Assistance

1. Disputes Over Insurance Claims

2. Severe Injuries or Permanent Disability

3. Fault Disputes

4. Accidents Involving Uninsured/Underinsured Motorists

5. Complex Legal Procedures or Paperwork

Seeking legal assistance after a car accident in Michigan can be critical in various situations, particularly when dealing with severe injuries, insurance disputes, and complex legal matters. A knowledgeable Michigan car accident lawyer can provide the necessary guidance and representation to ensure your rights and interests are adequately protected throughout the process.

Is Michigan a No-Fault State?

Yes, Michigan is a no-fault state. This designation means that your own insurance company will cover your medical expenses and lost wages after a car accident, regardless of who was at fault. Understanding whether Michigan is a no-fault state is crucial in comprehending how insurance claims and legal proceedings are handled.

How to Handle a Car Accident in Michigan

Being involved in a car accident can be a stressful and overwhelming experience. In Michigan, where the no-fault insurance system is in place, handling a car accident involves specific steps that are crucial for ensuring your safety, complying with legal requirements, and protecting your rights. Here is a quick guide on what to do immediately following a "car accident inMichigan" and in the days after.

Immediate Steps at the Scene

1. Ensure Safety

2. Call the Police

3. Exchange Information

4. Document the Scene

Following Steps After Leaving the Scene

1. Notify Your Insurance Company

2. Keep Track of Medical Treatment

3. Consider Legal Advice

Handling a car accident in Michigan requires a clear understanding of the no-fault insurance system, prompt action at the accident scene, and diligent follow-up afterward. Remember to prioritize safety, document everything, report the accident to the authorities and your insurer, and seek legal advice if the situation warrants it. By following these steps, you can navigate the aftermath of a car accident in Michigan more effectively.

Legal Recourse Beyond No-Fault Insurance

While Michigan's no-fault insurance system covers immediate medical expenses and lost wages regardless of who caused the accident, there are circumstances under which individuals may seek legal recourse beyond the basic provisions of non-fault insurance. Understanding these scenarios is crucial, especially for those involved in severe accidents or when facing significant losses that exceed no-fault coverage limits.

Examples of circumstances for legal action beyond no-fault insurance include:

1. Severe Injuries and Threshold for Legal Action

2. Economic Damages Exceeding PIP Limits

3. Mini-Tort Claims for Vehicle Damage

Considerations and Limitations

Comparative Negligence: Michigan follows a modified comparative negligence rule, meaning your compensation can be reduced by your percentage of fault in the accident.

Statute of Limitations: There are strict time limits for filing lawsuits in Michigan, typically within three years for personal injury and one year for mini-tort claims.

While Michigan's no-fault insurance system provides immediate and comprehensive coverage for most car accidents, there are scenarios where legal action beyond no-fault insurance is necessary and justified. In cases of severe injuries, significant economic losses, or specific property damage, understanding your rights to pursue additional legal recourse is essential. Consulting with a knowledgeable attorney specializing in Michigan car accidents can provide valuable guidance and representation in these situations.

Hire Moss & Colella For Your Car Accident Case

If you have been involved in a car accident in Michigan, navigating the aftermath can be a daunting task, especially when dealing with injuries, insurance claims, and potential legal complexities. This is where Moss & Colella steps in – a law firm with expertise and a proven record in handling car accident cases. Considering Moss & Colella for your car accident case is a step towards ensuring your rights are fully protected and your case is handled with the utmost professionalism. We encourage you to reach out to us via our contact form or by calling our 24/7 phone number for legal assistance or more information. Remember, our consultations are free, and being informed is your best defense in the event of a car accident in Michigan.

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Client Testimonials

I HIGHLY recommend David Moss; he exceeded my expectations numerous times, and I feel fortunate and blessed to have worked with him and his team. Moss & Colella attorneys have relentless perseverance and dedication for everyone they represent.
If this firm takes your case, it's in exceptionally experienced hands. The hands of attorneys who care about your well-being and the outcome of your litigation!
When I got into a car accident, my life changed. David and Ryan understood how this change affected my livelihood and mobility. They handled my case professionally, and I couldn't be more thankful for all of the sincere guidance and help provided throughout this process.
Thanks so much for everything!!!

The Burls


 I was referred to Moss & Colella in 2018 following a car accident. I cannot tell you how confident and safe I felt knowing that I was in good hands. David, and Ryan made sure that I always had any questions or concerns addressed in a timely manner. I appreciated their compassion, and understanding as I got emotional, and the reassurance they provided, made me feel important and valued as a client. If you need a great lawyer for an injury, this is your firm! I hope I never need to be in a position where I’d need their help again, but if I did, I’d gladly seek their services!

T. Ray


My son sadly passed after a vehicle accident, it was a hard case. Mr. Moss was our lawyer, he was very helpful, very informative, very up front and put alot of effort into this case. He’s a great man, a honest man and his law firm will do the best with any case brought to them. Everyone at his office was very kind and very helpful. I absolutely recommend them for any of your lawsuit needs.
Very grateful for this firm!

S. Collins


Words can not express how grateful I am for the outcome of this case. It was truly a blessing to have this resolved sooner than expected. But without your help and my faith in your firm along with my faith on God, this may not have been possible. I appreciate everything you have done in orchestrating everything to this resolve, for your time and effort meant the world to me. I thank my friend for putting me in touch with such a talented group of people. You will always be considered my attorneys of choice for anything that comes up in the future that would render your services. This year has definitely been many blessings so far and I welcome many more to come. Thank you again for everything and may you continue to be blessed.


Mother of Client

Very few people on this earth impress me. You are one of the very few. My family and I thank you for all you did. You are a good man!



Other law firms would not take my case, they said it was too complicated. But David Moss took my case and got the result I was looking for in almost no time at all. I’m glad I didn’t listen to those other lawyers.



I just wanted to thank you for putting your time and effort into my case. You did a wonderful job last Thursday. You are what people say you are, a wonderful lawyer.



I do not only count on you as one bad ass lawyer, but also a friend. None of this would be possible without you. My deepest gratitude to you and all of the Moss & Colella team.



I am very relieved and very happy with the outcome. I appreciate everything you and your firm did to see this through and I will be grateful for that always. You all came highly recommended and now I see why based on what you did in helping my son through a very challenging moment in his life. We will always be your fans:) Thank you again and may you always be Blessed…


Mother of Client

Moss & Colella PC goes above and beyond, and then some, to get the results you need and deserve! Since my accident in 2021, in which I broke several bones and am not able to work anymore, my vehicle insurance company dropped the ball. They not only tried to discredit me, but also have been trying to screw me out of what was owed to me. Thank you to David and the whole team for putting their all into my case, I got more than I expected! I am so overwhelmed and appreciative by what they have done for me!



Thanks for another great Colella in Context, Vince. You are helping all of us by taking the time to write your thoughtful column.



Attorney David Moss was referred to me after my car accident, I really did not know what to expect. I met with him and he explained the process well. His office helped me get compensation for missing work because of the accident. He was able to get compensation for my caregiver. He also was able to get all my medical bills from the accident paid by the insurance company. And finally he was able to get me much more from the insurance company than their first offer. He and his staff are professionals. I highly recommend Moss & Colella Law Firm. The other law firms say “they will fight for you”, no Attorney Moss will fight for you. Give his office a call and let them handle your case.

Dana Darby


I was referred to Moss & Colella PC after the accident I was in. I could not have made a better choice. From the initial conversation I had with Mr. Moss about taking legal action, to the day I received my settlement, Mr. Moss and his team worked diligently and were adamant about getting what was deserved, keeping me informed each step of the way. What I respect the most about this firm is they are straight up with you about what is going on and what the best options are for you. Thank you to David, Ryan, Kelly, Janice and anyone else who had a part in getting this done.

Dame Mitchell


Best choice I ever made going with Moss & Colella. Vince and Wendy were always there for me from start to finish I love you guys and your firm. I highly recommend this firm. Vince and Wendy are smart, sharp and caring people. God bless you guys and your firm thanks for everything

John Bahoura


I was referred to David and I could never be happier!! I had NO Idea how my case would go or if I even had a case.  David was so STRAIGHT UP with me with the process and how things may go and I can honestly say I appreciated that the MOST. The entire staff made me feel so comfortable, they took care of business! I really appreciate you David!!

Breeana Coe


Attorney David Moss, Ryan, and their assistant Kelly were all AMAZING. They were incredible understanding and patient with me and my family. It was like they knew EVERYTHING  we were going through. They were all right by our side going though and explaining every detail. When this ordeal started I ask someone if they knew of a pit bull that would be able to help us. I am so so glad I was referred to Attorney David Moss.

Thomas Hale


I am very pleased with my experience with Moss & Colella, P.C.  The professionalism, and keeping you informed about every detail that took place were outstanding I could not have picked no one better to handle my case I would give them the highest grade that you possibly could give an attorneys office I am very satisfied with how my case was handled

Earl Moore


The firm of Moss & Colella was wonderful they kept me and my family well informed and constantly gave updates in our challenging legal matter. Kept their word and didn't promise anything they couldn't deliver. I would highly recommend this firm for their personal service and depth of legal knowledge which was a win for my family and helped me feel at ease during a tragic time. Thank you. David Moss Great job. Have a great future. Highly recommended law firm

George Baird


The best staff and always on top of everything. They stay in contact with updates and work hard and fast to hep you in every way. Thanks to all that worked on my case love you all.

Brian L


David Moss and the Moss &  Colella team were awesome! I would recommend them to anyone

Lisette Montry


This is a Top-notch Firm.. They explained my options every step of the way. I would recommend them to my closest family and friends.

Greg Sawmiller


Excellent service very professional fully satisfied

Sterling Crutcher


My experience with this law firm has been excellent. They work hard around-the-clock to solve your situation. I was suggest anyone that needed a lawyer whatever situation to contact them.

Deanne Freenan


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About the Firm

The attorneys of Moss & Colella have carefully chosen their career paths to fight for those that have suffered from injury and wrongful death. We believe every citizen should have the right to hire the best lawyer who will actively advocate for their case.

David Moss and Vince Colella have over 60 collective years of personal injury trial experience that provides you a level of legal services and success unmatched by other firms. By working together, we have the ability to find creative, effective, and efficient solutions to even the most complex cases. No matter what situation you face, we will help you get through it.

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