No Health Insurance After a Michigan Crash? You Still Have Options
A lack of health insurance does not leave crash victims without a way to get care and pursue a claim.
No-Fault Pays Regardless
Michigan's No-Fault system requires your own Personal Injury Protection (PIP) coverage to pay medical bills and a portion of lost wages after a crash, regardless of who was at fault. Your PIP medical coverage generally pays for accident-related care even if you have no health insurance, subject to your coverage selection.
Treatment on a Lien
Some providers will treat injury victims on a lien, agreeing to be paid from the eventual settlement. An attorney can help arrange care.
Don't Skip Treatment
Getting care protects your health and your claim. To sue an at-fault driver for pain and suffering in Michigan, your injury must meet the serious-impairment-of-body-function threshold. Gaps in treatment can be used against you.
How Injury Claim Team Can Help
Injury Claim Team is a free service — not a law firm — that connects injured people across Michigan with experienced, vetted personal injury attorneys. There is never a fee to use our service, and the attorneys we connect you with work on contingency, so you pay no attorney fee unless they recover compensation for you.
If you have questions about a Michigan injury claim without health insurance, a specialist is available 24 hours a day to review your situation and connect you with the right Michigan attorney — usually within the hour. Call 973-566-5599 for your free, confidential case review.
This article is general information about Michigan law, not legal advice for your specific situation. For guidance on your case, talk to a qualified attorney. Injury Claim Team can connect you with one at no cost — call 973-566-5599.