Hit-and-Run Claims in Michigan

Hit-and-Run Claims in Michigan

If you've been involved in a hit-and-run in Michigan, understanding your state's specific laws is critical to getting fair compensation. Michigan is a no-fault state, meaning your own PIP insurance pays first.

Michigan Laws Affecting Hit-and-Run Claims

• Fault System: Michigan is no-fault
• Statute of Limitations (Injury): 3 years
• Statute of Limitations (Property): 3 years
• Minimum BI Coverage: 50/100
• PIP Required: Yes
• UM/UIM Required: No

Filing a Hit-and-Run in Michigan

Step 1: Report and Document

After your hit-and-run in Michigan, call 911 if needed and document everything. Michigan law requires accident reports and you should file a PIP claim with your own insurer promptly.

Step 2: Medical Attention

Seek medical care within 72 hours. In Michigan, delays in treatment are used by insurers to argue your injuries aren't related to the accident.

Step 3: File Your Claim

File a PIP claim with your own insurer first. If injuries meet the serious injury threshold, you may pursue a third-party claim.

Step 4: Negotiate Your Settlement

Hit-and-Run settlements in Michigan depend on:

• Severity of injuries and property damage
• Clarity of liability
• Available insurance coverage
• Your documentation quality
• Whether you use the Michigan Department of Insurance for disputes

Average Hit-and-Run Settlements in Michigan

Settlement values in Michigan for hit-and-run claims vary based on injury severity, but Michigan's no-fault threshold requirements mean you need to prove serious injury to access full tort damages.

Michigan Department of Insurance

If your hit-and-run claim is mishandled:

• DOI Phone: 517-284-8800
• File a formal complaint for unreasonable delays or unfair practices

Tips for Michigan Hit-and-Run Claims

1. Document everything — photos, medical records, witness info
2. Know your deadlines — 3-year statute of limitations for injury in Michigan
3. Don't accept the first offer — negotiate with evidence
4. Consider an attorney for claims over $15,000 or disputed liability
5. Use InsurifyAI to analyze your claim against Michigan-specific data

This guide covers hit-and-run claims specifically in Michigan. Laws vary — verify current regulations with the Michigan DOI.

Last updated: April 2026 | Source: InsurifyAI Knowledge Hub