No-Fault Insurance Claims in Washtenaw County, MI

Michigan's no-fault insurance system is supposed to protect you after an auto accident. Your own insurance company should pay for medical expenses, wage loss, and attendant care—regardless of who caused the crash. But the reality Washtenaw County accident victims face is often very different. Insurance companies routinely deny legitimate claims, cap benefits at artificially low levels, and use every tactic available to avoid paying for the care you need.

At Logeman & Iafrate, P.C., we've spent more than 45 years fighting insurance companies on behalf of injured clients throughout Washtenaw County and Michigan. We know how to navigate the complexities of no-fault law, challenge benefit denials, and pursue the full compensation you're owed. We prepare every case for trial—and insurance companies know it.

Understanding Michigan's No-Fault System

Michigan's no-fault auto insurance system requires you to file a claim with your own insurance company for Personal Injury Protection (PIP) benefits after an accident. These benefits should cover:

• Medical expenses: All reasonable and necessary treatment for your accident-related injuries
• Wage loss: Up to 85% of your gross income for the first three years after your accident
• Replacement services: Payment for household tasks you can no longer perform, such as cleaning, cooking, and yard work
• Attendant care: In-home nursing or assistance for catastrophic injuries
• Home and vehicle modifications: Accommodations needed due to permanent disabilities

The 2019-2020 no-fault reforms changed the landscape significantly. Depending on your coverage level, your PIP medical benefits may be capped at $50,000, $250,000, $500,000, or remain unlimited. Understanding your coverage before an accident occurs is critical, but if you're already injured, we can help you navigate what benefits you're entitled to recover.

Common Reasons Insurance Companies Deny No-Fault Claims in Washtenaw County

Insurance companies are focused on their bottom line, not your recovery. They use a variety of tactics to deny or reduce legitimate no-fault claims:

• Claiming treatment is unnecessary: Insurers often send your medical records to hired experts who argue that your treatment isn't reasonable or related to the accident
• Arguing pre-existing conditions: They blame your injuries on prior health issues rather than the crash
• Missing deadlines: Michigan law requires you to submit no-fault applications and medical bills within one year. Insurers will seize on any delay to deny coverage
• Coordination of benefits disputes: When multiple insurance policies are involved, companies often argue over who should pay, leaving you stuck in the middle
• Failure to cooperate allegations: Insurers claim you didn't respond to requests or submit required documents, even when you've complied fully

We've heard every excuse insurance companies make—and we've beaten them. Our results include a $2 million settlement for a traumatic brain injury victim whose insurer denied all benefits and a $1 million verdict against Amerisure for a man they fought for 18 years.

No-Fault Benefits Washtenaw County Accident Victims Deserve

If you've been injured in an auto accident in Washtenaw County, you're entitled to comprehensive PIP benefits from your own insurer. These benefits are not limited to minor injuries—they're designed to cover serious, life-altering harm:

Lifetime Medical Coverage: If you purchased unlimited PIP coverage before the 2019 reforms, you're entitled to lifetime medical care. If your policy includes a cap, we'll fight to pursue the full value of every dollar available and pursue additional compensation through third-party claims when appropriate.

Attendant Care: For catastrophic injuries such as traumatic brain injuries, spinal cord damage, or paralysis, attendant care benefits cover in-home nursing and personal assistance. Family members can be compensated for providing this care, even without formal medical training. Washtenaw County juries understand the value of this care, and we've secured lifetime coverage awards for our clients.

Wage Loss and Replacement Services: Your lost income and household contributions matter. We document every dollar you've lost and fight for full reimbursement, including future wage loss for injuries that permanently affect your ability to work.

Third-Party Claims: Holding At-Fault Drivers Accountable

Michigan's no-fault system limits what you can recover from your own insurer, but if your injuries meet the state's "serious impairment of body function" threshold, you can pursue a third-party lawsuit against the negligent driver. This allows you to recover compensation for:

• Pain and suffering
• Excess medical expenses beyond your PIP limits
• Full wage loss without the 85% cap
• Permanent disability and disfigurement
• Loss of quality of life

Our attorneys have extensive experience proving threshold injuries in Washtenaw County courts and maximizing third-party recoveries. We prepare every case for trial, and insurance companies know we are ready to try a case.

Why Washtenaw County Accident Victims Choose Logeman & Iafrate

No-fault claims are complex, and insurance companies count on accident victims being too overwhelmed to fight back. We take that burden off your shoulders. Our firm has recovered substantial first-party no-fault benefits for Michigan clients, from a $730,000 settlement against Esurance to a $1 million verdict against Progressive Corporation.

We take cases others won't, and we prepare every case for trial. Whether you're facing a benefit denial, a lowball settlement offer, or an insurer that simply refuses to pay, we're prepared to fight by your side. We operate on a contingency-fee basis, meaning you pay nothing unless we win your case.

Washtenaw County accident victims deserve experienced trial lawyers who understand both Michigan's no-fault system and the local courts where these battles are fought. For more than 45 years, we've provided exactly that.

Past results do not guarantee future outcomes. Each case is decided on its own facts.

Frequently Asked Questions About No-Fault Claims in Washtenaw County

What is Michigan's no-fault insurance system?

Michigan's no-fault system requires you to file a claim with your own auto insurance company for Personal Injury Protection (PIP) benefits after an accident, regardless of who caused the crash. PIP benefits cover medical expenses, wage loss (up to 85% of gross income), replacement services, and attendant care. Your coverage level—unlimited, $500,000, $250,000, or $50,000—depends on your policy choice.

How long do I have to file a no-fault claim in Washtenaw County?

Michigan law requires you to notify your insurance company of an accident within one year to preserve your PIP benefits. You must also submit medical bills and wage loss documentation within one year of receiving treatment or losing wages. Missing these deadlines can result in complete denial of benefits. Contact an attorney immediately after your accident to ensure compliance.

Can my insurance company deny my no-fault claim?

Yes, insurance companies frequently deny legitimate claims by arguing treatment is unnecessary, blaming injuries on pre-existing conditions, or claiming you missed deadlines. However, many denials are improper and can be successfully challenged. Our attorneys have decades of experience fighting benefit denials and have recovered millions for clients whose insurers initially refused to pay.

What if my insurance company stops paying my medical bills?

If your insurer stops paying for medical treatment, you have the right to file a lawsuit to compel payment of past-due benefits and secure coverage for future care. We've secured lifetime medical coverage awards for Washtenaw County clients whose insurers wrongfully terminated benefits. Don't assume the denial is final—contact us for a free case evaluation.

Can I sue the at-fault driver after a Michigan car accident?

Yes, if your injuries meet Michigan's "serious impairment of body function" threshold—an objectively manifested impairment of an important body function that affects your general ability to lead your normal life. Meeting this threshold allows you to pursue compensation for pain and suffering, excess medical expenses, and damages beyond your PIP coverage. Our attorneys have extensive experience proving threshold injuries in Washtenaw County courts.

What is attendant care and how do I get it approved?

Attendant care covers in-home nursing and personal assistance for catastrophic injuries. Family members can be compensated for providing this care, even without formal medical training. Insurance companies often deny or drastically underpay attendant care claims. We've successfully fought for full attendant care benefits, including lifetime coverage, for clients throughout Washtenaw County.

Do I need a lawyer for my no-fault insurance claim?

While not legally required, having an experienced no-fault attorney significantly increases your chances of recovering full benefits. Insurance companies have teams of lawyers working to minimize payouts. Without legal representation, you're at a severe disadvantage when facing benefit denials, medical record reviews, and complex legal deadlines. We offer free consultations and work on a contingency-fee basis—you pay nothing unless we win.