Disclaimer: This article is for educational purposes and is not legal advice. Consult a qualified attorney for guidance on your specific situation.
Detailed Answer
1. Seek Immediate Medical Attention
Within 24–72 hours after the collision, visit an emergency department or urgent care. Early medical exams establish a clear record of your injuries. Michigan’s No-Fault Act covers reasonable medical expenses under Personal Protection Insurance (PIP). To preserve your PIP benefits, seek treatment within one year of the accident. See MCL 500.3107.
2. Provide Prompt Notice to Your Insurer
Under Michigan law, you must notify the PIP insurer (your own or the vehicle owner’s insurer) within one year of the crash to claim benefits. Submit written notice of the accident and your intent to claim benefits. See MCL 500.3112.
3. Follow Your Doctor’s Treatment Plan
Adhere strictly to all medical appointments, therapy sessions, and specialist referrals. Skipping visits can create gaps in your care and enable insurers to argue that your injuries are less severe or unrelated. Maintain a consistent treatment timeline to demonstrate ongoing medical needs.
4. Document Every Step of Your Care
Keep copies of all medical records, bills, insurance correspondence, and appointment logs. Track symptoms, medications, and daily limitations in a personal health journal. These records strengthen your claim by showing consistent care and treatment progress.
5. Coordinate with Your No-Fault Insurer
Stay in regular contact with the PIP insurer. Approve and assist in scheduling any required independent medical examinations. Respond promptly to information requests to avoid benefit delays or denials.
Helpful Hints
- Carry a health journal to record pain levels and functional changes.
- Use a single primary care provider to avoid fragmented treatment.
- Confirm that each provider bills your PIP benefits directly.
- Keep copies of all written communications with insurers.
- Schedule follow-up appointments in advance.
- Consider using medical case management for complex injuries.