MI·State Guide
Personal Injury Law in Michigan
Key rules for personal injury claims in Michigan — statute of limitations, fault system, damage caps, insurance requirements, and government claim deadlines.
Key Points — Michigan
- 01Strong no-fault auto state — serious impairment threshold to sue
- 022019 reform changed PIP from unlimited to tiered coverage options
- 03Modified comparative fault — barred at 50%+ fault
- 046-month government notice deadline
Rules at a Glance
- Statute of Limitations
- 3 years from the date of injury
- Fault System
- Modified comparative fault (50% bar) — Michigan bars recovery if the injured person is more than 50% at fault.
- Damage Caps
- No general cap on damages.
- Government Notice Deadline
- Written notice within 6 months for claims against government entities.
- Auto Insurance System
- No-fault — Strong no-fault state. PIP covers medical expenses (with coverage level choices after 2019 reform). Tort threshold requires serious impairment of body function to sue.
- Minimum Liability Coverage
- 50/100/10.
- Workers' Comp Deadline
- Report within 90 days. File claim within 2 years.
Fault System in Michigan
Michigan bars recovery if the injured person is more than 50% at fault.
Auto Insurance in Michigan
Michigan is a no-fault state. Strong no-fault state. PIP covers medical expenses (with coverage level choices after 2019 reform). Tort threshold requires serious impairment of body function to sue.
Minimum required liability coverage: 50/100/10..
General information only. This page explains common concepts in plain language. It is not legal advice and does not create an attorney-client relationship. Laws vary by state and change over time. For any specific situation, consult a licensed attorney in your jurisdiction.