If you are involved in a Michigan auto accident, you are entitled to receive personal injury protection (PIP) benefits from the responsible no-fault insurer (usually this is your own insurance company). However, you should be aware that your auto insurance policy may have a high deductible that applies when you submit a claim for PIP benefits.
Michigan law limits the ability of a person injured in a car accident to bring a third-party claim for non-economic damages. Unlike first-party benefits, which are available to a person injured in a car accident regardless of fault, a person cannot bring a third-party claim if he or she was more than 50 percent at fault for the accident. MCL 500.3135(2)(b). Furthermore, the injured party must demonstrate that he or she suffered an injury that meets the no-fault damages threshold. This requires that the injury suffered in the car accident be one of the following: