The multiplier method with Michigan's actual rules applied — modified comparative — 51% bar (non-economic only), a 3-year filing window — every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice — every claim is different.
Over 50% at fault bars your pain-and-suffering damages — but economic damages remain recoverable at any fault level, just reduced by your percentage. Michigan is the only Tier-2 state that splits the bar this way. — MCL 600.2959
3 years for personal injury — MCL 600.5805(2). The clock is jurisdictional — one day late and no court will hear the case.
No-fault state, rebuilt in 2020: you choose your own PIP medical level (unlimited, $500k, $250k, or $50k for Medicaid enrollees), vehicle damage runs through no-fault (mini-tort capped at $3,000), and you can sue for pain and suffering only for death, serious impairment of body function, or permanent serious disfigurement. — MCL 500.3107c; MCL 500.3135
Minimum liability coverage: Bodily injury defaults to 250/500 with a signed opt-down floor of 50/100 — the highest effective minimums in the country. In-state vehicle damage is handled by no-fault PPI (up to $1M) and the $3,000 mini-tort rather than ordinary liability. — MCL 500.3009 — policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
Since the 2019 reform, a driver who chose capped PIP and exhausts it can sue the at-fault driver for excess economic damages — medical costs and wage loss above the PIP limit (MCL 500.3135(3)(c)). Which PIP level everyone in the crash carried is now a valuation fact as important as the injury itself.
The same multiplier method used everywhere — (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage — then Michigan's fault rule is applied: Over 50% at fault bars your pain-and-suffering damages — but economic damages remain recoverable at any fault level, just reduced by your percentage. Michigan is the only Tier-2 state that splits the bar this way. The calculator on this page runs exactly that math and prints every line.
3 years for personal injury (MCL 600.5805(2)). Miss the deadline and the claim is barred permanently, no matter how strong it is — and claims against government entities often have much shorter notice requirements.
No-fault state, rebuilt in 2020: you choose your own PIP medical level (unlimited, $500k, $250k, or $50k for Medicaid enrollees), vehicle damage runs through no-fault (mini-tort capped at $3,000), and you can sue for pain and suffering only for death, serious impairment of body function, or permanent serious disfigurement.
Compensatory damages: No cap in ordinary injury cases. Medical malpractice (and product liability) non-economic: Capped at $596,400 — or $1,065,000 for the severest injuries (paralysis, permanent cognitive impairment, loss of reproductive ability) — 2026 inflation-adjusted figures.