After a car accident in Ann Arbor, dealing with insurance companies can feel like a second collision. Adjusters may deny your claims, delay payments, or terminate benefits you're entitled to receive. At Logeman & Iafrate, P.C., we've spent over 45 years helping injury victims throughout Michigan navigate the complexities of no-fault insurance claims and recover the benefits they deserve.

Michigan's no-fault system was designed to provide prompt benefits regardless of fault, but insurance companies often use complex rules and aggressive tactics to minimize payouts. Our attorneys understand the no-fault law in detail and know how to hold insurance companies accountable when they fail to pay valid claims.

Understanding Michigan's No-Fault Insurance System

Michigan requires all auto insurance policies to include Personal Injury Protection (PIP) benefits. These benefits pay for your medical expenses, lost wages, and replacement services after a car accident—regardless of who caused the crash. The system is intended to ensure injured victims receive prompt care without lengthy disputes over fault.

However, no-fault insurance has become more complicated following significant reforms in recent years. The level of PIP coverage available depends on when your policy was purchased. Older policies may provide unlimited medical coverage, while policies purchased after the 2019 reform may have chosen coverage limits. Understanding which rules apply to your policy is critical to maximizing your recovery.

PIP Benefits Available After an Ann Arbor Car Accident

Michigan's no-fault system provides several categories of benefits to injured victims:

• Medical expenses. All reasonable and necessary medical care related to your injuries, including hospital stays, doctor visits, surgery, physical therapy, medications, and medical equipment.
• Wage loss benefits. Up to 85% of your gross income for up to three years following the accident, with monthly maximums that vary based on your coverage level.
• Replacement services. Compensation for household tasks you can't perform due to your injuries, such as housekeeping, lawn care, snow removal, and childcare.
• Attendant care. Payment for nursing or caregiving services if your injuries require help with daily activities.
• Rehabilitation costs. Vocational rehabilitation, occupational therapy, and other services to help you return to work and daily life.
• Mileage reimbursement. Reimbursement for travel to and from medical appointments.

The exact benefits available depend on your specific policy. Our attorneys review your coverage and pursue all available benefits on your behalf.

Filing a No-Fault PIP Claim

To file a PIP claim after an Ann Arbor car accident, you must notify your insurance company promptly. Most policies require written notice within 30 days. Once you've reported the accident, your insurer will send you an application for benefits that must be completed and returned. Supporting documentation includes:

• Police accident report
• Medical records and treatment plans
• Documentation of lost wages
• Receipts for replacement services
• Proof of insurance coverage

Once your application is submitted, your insurance company has specific timeframes to pay or deny your claim. If they fail to act within these timeframes or improperly deny benefits, you have the right to file a lawsuit. Our attorneys handle every step of the PIP claim process, from initial filing through litigation if necessary.

Common PIP Claim Disputes in Ann Arbor

Insurance companies use various tactics to avoid paying PIP claims. Common disputes include:

• Treatment is not reasonable or necessary. Insurers often argue that ongoing physical therapy, chiropractic care, or specialist consultations exceed what is medically appropriate.
• Pre-existing conditions. Insurance companies try to attribute your current injuries to prior medical issues rather than the accident.
• Independent medical examinations (IMEs). Insurers send you to their doctors who issue reports supporting denial of your claims.
• Late notice or failure to cooperate. Insurers deny claims based on technical violations of policy terms.
• Coordination of benefits. Disputes arise when other insurance (health, workers' compensation) covers the same treatment.

Our attorneys have extensive experience overcoming these defenses. We gather medical evidence, work with treating physicians, and challenge improper denials through negotiation or litigation.

When Can You Sue the At-Fault Driver?

Michigan's no-fault system limits your right to sue for pain and suffering damages unless your injuries meet specific thresholds. To pursue a third-party claim against the at-fault driver, you must demonstrate that your injuries resulted in:

• Serious impairment of body function. Your injuries must have seriously impaired an important body function, with the impairment being objectively manifested and of a nature that affects your ability to lead a normal life.
• Permanent serious disfigurement. Visible scarring or disfigurement that is permanent and serious.

This threshold is one of the most contested issues in Michigan personal injury cases. Insurance companies argue that injuries don't meet the threshold even when they clearly affect your daily life. Our attorneys build strong evidence—including medical records, expert testimony, and documentation of how injuries affect your activities—to meet this standard.

Third-Party Claims for Pain and Suffering

If your injuries meet the serious impairment threshold, you can pursue additional compensation from the at-fault driver, including:

• Pain and suffering damages
• Excess medical expenses beyond PIP coverage
• Full lost wages beyond PIP wage loss benefits
• Permanent disability compensation
• Loss of consortium
• Excess household replacement services

Our attorneys evaluate both your no-fault PIP benefits and any third-party claims to maximize your total recovery.

Why Choose Logeman & Iafrate for Your No-Fault Claim?

Insurance companies have teams of lawyers working to minimize your benefits. You deserve experienced legal representation to level the playing field. Our attorneys understand Michigan's no-fault insurance system in detail and know how to hold insurance companies accountable when they deny valid claims.

We handle all PIP claims on a contingency-fee basis—you pay no legal fees unless we recover benefits on your behalf. We offer free consultations to evaluate your situation and explain your options. Whether your claim requires simple negotiation or aggressive litigation, we have the experience and resources to pursue the benefits you deserve.

Get Help With Your Ann Arbor No-Fault Claim Today

If you're struggling with a no-fault insurance claim in Ann Arbor, don't wait to get legal help. Insurance companies often deny or delay claims hoping you'll give up. The sooner you contact an attorney, the better your chances of recovering full benefits.

At Logeman & Iafrate, P.C., we offer free consultations and operate on a contingency-fee basis. Call us today at (734) 994-0200 or fill out our online contact form to schedule your free consultation. Let us handle the insurance company while you focus on your recovery.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.