Wayne County No-Fault Insurance Claims Attorneys

Michigan's no-fault insurance system promises injured accident victims coverage for medical expenses, wage loss, replacement services, and attendant care—regardless of who caused the crash. But receiving those benefits often requires a fight. At Logeman & Iafrate, P.C., our Wayne County no-fault insurance attorneys have spent over 45 years forcing insurance companies to honor their obligations when they deny legitimate claims.

We know how insurers operate. They routinely deny valid claims, hoping injured people will give up. They argue that injuries stem from "unrelated" conditions, that treatment is "unnecessary," or that coverage somehow doesn't apply. We've heard every excuse—and we've beaten them in courtrooms throughout Wayne County and across Michigan.

Understanding Your No-Fault Benefits in Wayne County

Michigan law entitles accident victims to first-party Personal Injury Protection (PIP) benefits through their own auto insurance, regardless of fault. These benefits cover:

• Medical expenses: Hospital care, surgery, rehabilitation, medication, and all reasonably necessary treatment. Your coverage level depends on the policy you selected: unlimited, $500,000, $250,000, or $50,000.
• Wage loss benefits: Up to 85% of your gross income for three years if your injuries prevent you from working. Self-employed individuals can also recover for lost business income.
• Replacement services: Up to $20 per day for household tasks you can no longer perform due to your injuries—cooking, cleaning, yard work, childcare.
• Attendant care: Professional or family-provided care if your injuries require assistance with daily living activities. This benefit can extend for life in catastrophic injury cases.
• Home and vehicle modifications: Necessary adaptations to accommodate permanent disabilities, including wheelchair ramps and vehicle hand controls.

You have one year from the date of the accident to notify your insurance company and preserve your right to these benefits. Missing this deadline can forfeit your claim entirely.

Why Insurance Companies Deny Valid Claims

Wayne County residents know the frustration of dealing with insurance adjusters who seem determined to deny benefits. Common denial tactics include:

• Claiming injuries are pre-existing or unrelated to the accident
• Arguing that medical treatment is unnecessary, excessive, or experimental
• Disputing wage loss calculations or employment status
• Challenging attendant care needs or the qualifications of caregivers
• Asserting that you weren't a covered person under the policy
• Simply ignoring claims and hoping you'll go away

These denials aren't mistakes. They're calculated business decisions. Insurance companies profit when they don't pay claims. Our attorneys make it more expensive for them to deny than to pay.

Fighting Back Against Benefit Denials

When your insurer denies benefits you're entitled to receive, Michigan law provides remedies. Our attorneys pursue:

• Past-due benefits: All medical expenses, wage loss, and replacement services wrongfully denied
• Future benefits: Court orders requiring insurers to pay for ongoing care, including lifetime attendant care and medical treatment
• Interest and penalties: Michigan law allows 12% annual interest on overdue benefits. Courts can also award attorney fees when insurers act unreasonably
• Excess economic damages: If your injuries exceed your PIP coverage limits, we pursue additional compensation through third-party claims against at-fault drivers

The 2019 No-Fault Reforms and Your Coverage

Michigan's 2019 no-fault reforms significantly changed the system, creating different coverage levels based on policy choices. Understanding your coverage is critical:

Policies issued before July 2, 2020: Generally maintained unlimited lifetime medical coverage unless policyholders opted for lower limits.

Policies issued after July 1, 2020: Policyholders selected medical coverage levels—unlimited, $500,000, $250,000, or $50,000. Medicare enrollees could opt out of PIP medical coverage entirely.

These reforms created new battlegrounds. Insurance companies now argue that claims exceed policy limits or that Medicare should be the primary payer. Our attorneys navigate these complexities to maximize your recovery from all available sources.

Common No-Fault Disputes in Wayne County

Wayne County's densely populated communities—from Detroit to Dearborn, Taylor to Westland—generate thousands of no-fault claims annually. Typical disputes include:

• Attendant care denials: Insurers routinely challenge the need for family-provided care or dispute the hourly rates paid to professional caregivers.
• Medical necessity challenges: Insurance companies hire "independent" doctors to examine you and declare your treatment unnecessary—even when your own physicians say otherwise.
• Wage loss disputes: Insurers question employment status, income calculations, and whether injuries actually prevent you from working.
• Coordination of benefits issues: Fights over whether auto insurance or health insurance should pay first, or whether Medicare limits apply.
• Policy coverage denials: Claims that you weren't insured under the policy or that the vehicle involved wasn't covered.

We Take Cases Other Firms Turn Down

Some no-fault claims are straightforward. Others involve complex medical issues, disputed coverage questions, or insurers who've fought claims for years. We handle both—and we're known for taking on the difficult cases that other attorneys refuse.

Our track record includes a $1 million verdict against Amerisure for a man they fought for 18 years, a $2 million settlement for a traumatic brain injury victim whose insurer denied all benefits, and a $110,000 Wayne County jury verdict for a woman whose head injury claim State Farm denied. When insurers see our name on a case, they know we're prepared to go to trial.

Why Choose Logeman & Iafrate for Your Wayne County No-Fault Claim

Insurance companies have teams of lawyers protecting their profits. You need fierce advocates protecting your rights. Our firm offers:

• Over 45 years of no-fault litigation experience in Wayne County courts and throughout Michigan
• Trial-ready preparation that forces insurers to take your claim seriously
• Access to medical experts who can explain your injuries and counter insurance company doctors
• Proven results securing millions in benefits for injured clients
• Contingency-fee representation—we don't get paid unless we recover benefits for you

You're dealing with medical treatment, recovery, and lost income. Let us handle the insurance company.

Frequently Asked Questions About Wayne County No-Fault Insurance Claims

What should I do if my no-fault insurance company denies my claim?

Request a written explanation of the denial. Insurance companies must provide specific reasons for denying benefits. Then contact an experienced no-fault attorney immediately. Michigan law imposes deadlines for challenging denials, and early legal intervention often reverses wrongful denials before litigation becomes necessary.

How long do I have to file a lawsuit for denied no-fault benefits?

Michigan law requires no-fault lawsuits to be filed within one year of the insurance company's denial or overdue payment. This one-year-back rule means you can only recover benefits denied within the year before filing suit unless you file a new lawsuit each year. Prompt action is essential to preserve your rights.

Can my insurance company force me to see their doctor?

Yes. Insurance companies can require independent medical examinations (IMEs) to evaluate your injuries and treatment needs. However, these exams are rarely independent—insurers hire doctors who routinely minimize injuries. You're entitled to bring your own medical expert to counter biased IME reports, and our attorneys know which doctors insurers use and how to challenge their opinions.

What if my injuries exceed my PIP coverage limit?

If your medical expenses exceed your selected PIP coverage limit ($500,000, $250,000, or $50,000), you may pursue excess economic damages through a third-party claim against the at-fault driver. You can also access health insurance or Medicaid for additional coverage. Our attorneys coordinate all available benefits to ensure you receive necessary care.

Can family members be paid to provide attendant care?

Yes. Michigan law allows family members to be compensated for providing attendant care services at reasonable hourly rates—typically $15-30 per hour depending on the services provided. Insurance companies routinely challenge these claims, but courts have consistently upheld family attendant care when properly documented and reasonably necessary.

What if I didn't have auto insurance at the time of my accident?

You may still have coverage through a resident relative's policy, the Michigan Assigned Claims Plan (for accidents with uninsured at-fault drivers), or Medicaid. The availability of benefits depends on your specific circumstances. Our attorneys can identify all potential sources of coverage and pursue benefits on your behalf.