The Michigan One-Year-Back Rule: A Hidden Deadline
This little-known rule quietly limits your No-Fault benefits. Here is how it works and why it catches people off guard.
What the Rule Says
The one-year-back rule under MCL 500.3145 limits how far back you can claim unpaid No-Fault benefits, so prompt action protects your recovery. In practice, you generally cannot recover No-Fault benefits for expenses incurred more than one year before you file suit.
Why It Traps the Unwary
Injured people often assume the three-year statute of limitations is the only deadline. But the one-year-back rule can erase benefits even within that window if you wait too long to act.
Protecting Your Benefits
Filing claims promptly and keeping careful records preserves the maximum benefits. When disputes arise, acting quickly is essential.
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 Michigan No-Fault deadlines, 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.