Michigan’s 2019 No-Fault Reform: Historical Changes and Current Claims

Michigan enacted major no-fault changes in 2019, with important provisions taking effect on different dates. This page explains that historical transition and directs current readers to the specific coverage or claim question they need to resolve.

The changes did not all begin on one date

Medical coverage choices for relevant policies issued or renewed after July 1, 2020 were one part of a broader reform. Examination requirements, insurer priority, payment rules, and other provisions raise separate questions. Do not assign the same effective date or legal consequence to every amendment.

The state’s PIP coverage guide explains the established medical options. It should be used with the policy and required documentation, rather than treating a historical reform summary as an individual coverage determination.

Separate the original debate from the current legal question

The firm’s earlier analysis expressed concerns about coverage gaps, access to care, and liability exposure. Those concerns do not prove that a particular bill is payable or that a defendant is liable. Identify the provision and evidence governing the actual dispute.

The Andary opinion also illustrates why policy and injury dates can matter when evaluating later restrictions. Avoid describing every pre-reform and post-reform claim as identical.

Use a dated document set

• The accident date, policies, renewals, and medical elections.
• Relevant household and health-coverage information.
• The service dates, orders, bills, and records supporting disputed care.
• Requests, payments, reductions, and written denials.
• Any examination request or proposed agreement needing separate review.

Choose the focused current guide

Read the medical coverage choices for selections, household and health changes for ongoing obligations, insurer examinations for examination requests, and PIP denials for payment disputes. Our no-fault practice covers individual claim review.

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.

Did every reform provision take effect at once?

No. The provision and applicable dates require review.

Does this historical overview determine my coverage?

No. The policy, dates, statute, and circumstances govern the individual analysis.