Detailed Answer
Under Michigan’s no-fault insurance system, you can recover medical expenses, wage losses, and replacement services through Personal Protection Insurance (PIP). PIP covers 3necessary4 medical costs for treatment of injuries, including minor soft tissue injuries and muscle pain. (See MCL 500.3105.)
However, Michigan restricts claims for pain and suffering or other noneconomic damages unless you have suffered a “serious impairment of body function” under MCL 500.3135. Courts generally find that soft tissue injuries—like strains, sprains, and muscle pain—do not meet that threshold by themselves.
In practice, you may include minor soft tissue injuries in your PIP claim to cover treatment costs: doctor visits, physical therapy, medications, and assistive devices. But you likely cannot pursue compensation for pain and suffering solely based on those injuries unless they cause a serious impairment, such as long-term functional loss or significant restriction of daily activities.
To protect your rights, follow these steps:
- Document all symptoms, treatments, and medical records, including dates and provider notes.
- File your PIP claim promptly—Michigan law requires submission within one year of the injury.
- Keep copies of all medical bills and insurance correspondence.
- Consult a Michigan personal injury attorney if you experience permanent functional limitations or significant disability.
Disclaimer: This article provides general information and does not constitute legal advice. Consult a qualified attorney about your specific situation.
Helpful Hints
- Keep detailed medical records for all treatment related to your soft tissue injuries.
- Submit all medical bills to your no-fault insurer under your PIP policy without delay.
- Track out-of-pocket expenses, including transportation and assistive devices.
- Understand that PIP covers up to 80% of lost wages after the first three days of disability.
- Note the one-year statute of limitations for filing PIP claims in Michigan.