Car Accident Medical Costs in Michigan
Michigan is a no-fault state. PIP insurance is required with a minimum of $undefined. Minimum bodily injury limits are $50K / $100K.
No-Fault System in Michigan
Michigan is a no-fault state. This means your own insurance (PIP) pays your medical bills and lost wages regardless of who caused the accident. To sue the at-fault driver for pain and suffering, your injuries must meet the state's "serious injury threshold."
Michigan Auto Insurance Requirements
| Bodily Injury (per person) | $50,000 |
| Bodily Injury (per accident) | $100,000 |
| Property Damage | $10,000 |
| PIP Required? | Yes |
| UM/UIM Required? | No |
| MedPay Required? | No (optional) |
| Average Annual Premium | $2,680/year ($223/month) |
| Uninsured Motorist Rate | 19.6% (national avg: 15.4%) |
Note: PIP reformed in 2019 — previously unlimited; now tiered options available
After a Car Accident in Michigan
1. Seek medical attention immediately
Even if injuries seem minor, get evaluated. Many car accident injuries (whiplash, concussions, internal bleeding) have delayed symptoms. An ER visit (CPT 99285) averages $608 at Medicare rates but may cost $1,500-$3,000+ through commercial insurance.
2. File insurance claims
In Michigan, file a PIP claim with your own insurer first. PIP covers up to $undefined regardless of fault.
3. Document everything
Keep all medical bills, records, and correspondence. Medical costs are the foundation of your injury claim. Use our cost estimator to verify if your bills are reasonable.
4. Consider legal representation
With Michigan's high uninsured driver rate (19.6%), there's a significant chance the at-fault driver has no insurance. An attorney can help you navigate UM/UIM claims and maximize your recovery.
Medical Procedure Costs in Michigan
Medical costs in Michigan are adjusted by CMS Geographic Practice Cost Indices (GPCI). View Medicare and estimated commercial rates for common car accident procedures in Michigan.
View Michigan Medical Procedure Costs →Michigan Insurance Department
For official information about auto insurance requirements and consumer complaints in Michigan:
Michigan DIFS