Michigan Personal Injury Laws
Michigan personal injury law features two distinctive elements: the state's unique no-fault auto insurance system and its modified comparative fault rule with a 51% bar. For non-auto injuries, Michigan follows standard negligence principles with a 3-year statute of limitations. For auto accidents, injured parties must first look to their own no-fault PIP insurance for economic losses and can only sue the at-fault driver for pain and suffering if they meet the "serious impairment of body function" threshold. Michigan's 2019 no-fault reform introduced tiered PIP coverage options.
Last verified: 2026-02-25
Statute of Limitations
Personal injury claims must be filed within 3 years of the date of injury.
Exceptions
If the injured person is under 18 when the claim accrues, they have 1 year after turning 18 to file suit, even if the normal period has expired.
Wrongful death claims must be filed within 3 years of death. If the decedent dies before or within 30 days after the limitations period runs, the personal representative has 2 years after letters of authority are issued.
Assault and battery claims involving domestic violence have a 5-year statute of limitations, longer than the standard 2 years for assault.
Fault & Liability Rules
If the plaintiff is 50% or less at fault, they can recover but damages are reduced by their percentage of fault. If 51% or more at fault, they are barred from recovering noneconomic damages but can still recover reduced economic damages.
Damage Caps
Michigan does not cap economic or noneconomic damages in general personal injury cases.
Noneconomic damages in product liability are capped at $596,400 (2026, adjusted annually). Enhanced cap of $1,065,000 for death or permanent loss of a vital bodily function.
Auto Insurance System
Michigan's unique no-fault system requires drivers to carry Personal Injury Protection (PIP) insurance. Since the 2019 reform, policyholders choose from tiered PIP levels: unlimited, $500K, $250K, $50K (Medicaid only), or opt-out (if covered by qualified health). To sue for pain and suffering, the injury must meet the "serious impairment of body function" threshold. Mini-tort allows up to $3,000 for property damage against the at-fault driver.
Tort Threshold
Serious impairment of body function, permanent serious disfigurement, or death
Filing Requirements
Filing fees for civil complaints in Michigan Circuit Courts are approximately $175, varying by county.
Cases are filed in the circuit court of the county where the cause of action arose or where a defendant resides.
Key Michigan Statutes
To sue for noneconomic damages (pain and suffering) from an auto accident, the injured person must show death, serious impairment of body function, or permanent serious disfigurement. "Serious impairment" requires an objectively manifested impairment of an important body function that affects the person's general ability to lead their normal life.
Policyholders choose PIP coverage: unlimited (10% premium reduction), $500K (20% reduction), $250K (35% reduction), $50K (45% reduction, Medicaid enrollees only), or opt-out if covered by qualified health insurance.
Official Sources
Not Legal Advice
This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at Michigan Legislature — Compiled Laws. For advice about your specific situation, consult a licensed attorney.
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