When “No-Fault” Gets Complicated: How an Attorney Helps Navigate the Claims Process

Auto accidents are disruptive and often traumatic—but the legal and insurance aftermath can be even more confusing. Michigan’s no-fault insurance system is designed to streamline the recovery process, ensuring that individuals receive medical care, lost wages, and other necessary benefits regardless of who caused the crash. However, while the term “no-fault” might sound straightforward, the reality is anything but.

At Biggs & Gunst P.C., we understand how overwhelming the process can be—and we’re here to help make sense of it.

What Is No-Fault Insurance—and Why Does It Confuse So Many?

Under Michigan’s no-fault law, your auto insurance pays for your accident-related expenses, even if someone else caused the crash. This includes:

• Medical treatment and rehabilitation
• Lost wages for up to three years
• Household replacement services
• Mileage reimbursement for medical visits

While this system eliminates the need to prove fault in many cases, it does not guarantee smooth sailing. Insurance companies often delay or deny benefits. Policyholders might face limits based on coverage choices, and recent legislative reforms have added even more layers of complexity.

Common No-Fault Insurance Challenges in Michigan

Even a relatively minor accident can lead to complicated legal issues. Some of the most common obstacles people face include:

• Denied or underpaid medical claims
• Disputes about necessary treatment or care
• Reduced or capped benefits under new PIP (Personal Injury Protection) policies
• Insurance company delays or requests for unnecessary paperwork
• Difficulty accessing wage loss benefits or attendant care

Without guidance, many victims find themselves buried in red tape—at a time when they should be focused on healing.

How a Michigan Auto Accident Attorney Can Help

When the no-fault system fails to work as intended, a knowledgeable attorney becomes essential. Here’s how we support our clients:

1. Clarifying Your Coverage and Rights

Most people don’t fully understand what their policy covers until they need to use it. We walk clients through their policy and explain the benefits they are entitled to receive under Michigan law.

2. Handling Insurance Communication

Dealing with insurance companies can be stressful and time-consuming. We take that burden off your shoulders, managing all correspondence and ensuring that your rights are protected during every interaction.

3. Challenging Denials and Delays

When an insurer unfairly denies a claim or drags its feet, we take immediate action. This may include filing a lawsuit to compel payment of overdue benefits or negotiating directly with the insurance carrier to resolve the issue.

4. Securing Compensation Beyond No-Fault

If your injuries meet Michigan’s “serious impairment” threshold, you may also have a right to sue the at-fault driver for pain and suffering. We assess your situation and determine whether additional compensation is possible.

Why Choose Biggs & Gunst P.C.?

Based in Ann Arbor, Biggs & Gunst P.C. is dedicated to helping Michigan residents navigate the complex no-fault system with confidence and clarity. Our team prioritizes communication, responsiveness, and results. When your recovery is at stake, you deserve attorneys who stand by your side every step of the way.



Contact Us Today

If you’ve been involved in an auto accident and your no-fault benefits are being delayed, denied, or limited, don’t wait. Call Biggs & Gunst P.C. or fill out our online contact form to schedule a free consultation. We’re here to help you get the benefits—and peace of mind—you deserve.