Michigan PIP Benefits: Eligibility, Records, and Deadlines

PIP questions should start with the injured person’s eligibility, the proper insurer, and the particular benefit. A policy’s medical limit does not provide one answer for every accident-related loss.

Which insurer should receive the claim?

Priority can depend on residence, household relationships, vehicle and accident circumstances, and statutory exceptions. Do not assume everyone applies to their own insurer or that a family policy necessarily covers a person. Keep the relevant policies and have priority reviewed when uncertain.

What does the medical election affect?

The medical selection and any exclusions matter to available PIP medical coverage. Work loss and household replacement services have separate statutory requirements. The Michigan insurance FAQs provide general coverage background, while the actual policy and facts determine the individual analysis.

What records should be submitted?

• Accident and eligibility information requested for the claim.
• Medical bills, treatment records, and supporting orders relevant to the expense.
• Employer verification, payroll information, and work restrictions for a wage claim.
• Accurate task and expense records for household services or care.
• Proof of submissions, requests for more information, and written decisions.

How do timing and payment disputes work?

Notice, suit limitations, and the one-year-back restriction under MCL 500.3145 are related but distinct. Payment, specific claims, denials, reasonable diligence, and the applicable version of the law can affect the analysis. Do not summarize the statute as an absolute requirement to file every lawsuit within one year of the crash.

Payment and interest questions also require attention to the particular bill, proof, and statute. See responding to a PIP denial and the deadline guide rather than assuming every unpaid bill has the same due date or remedy.

Talk with Logeman & Iafrate

Request a free consultation or call (734) 994-0200 to discuss your situation with our Ann Arbor office. Bring the relevant records and any insurer correspondence. Advice about your claim depends on the facts, coverage, and applicable deadlines.

General information only; this article is not legal advice for an individual case.

Does my medical limit govern every PIP category?

No. Other benefits have their own statutory rules.

Is every PIP lawsuit due exactly one year after the collision?

No. The statute contains distinct notice, suit, recovery, and tolling provisions requiring individual review.