Michigan Car Accident Settlement Calculator
Estimate a car accident settlement under Michigan law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Michigan law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Michigan reduces damages by the claimant's share of fault. Above 50% fault, MCL 600.2959 bars non-economic damages but leaves economic damages recoverable, so Michigan is a hybrid that none of our four rule values describes. We apply the 51% bar, which never overstates a Michigan recovery and may understate it above 50% fault. A Michigan attorney can explain how the split applies to your case.
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Michigan car insurance law: minimums, PIP and uninsured motorist coverage
What Michigan's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Michigan: Minimum liability coverage
“[…] unless the liability coverage is subject to all of the following limits: (a) Before July 2, 2020, a limit, exclusive of interest and costs, of not less than $20,000.00 because of bodily injury to or death of 1 person in any 1 accident, and after July 1, 2020, a limit, exclusive of interest and costs, of not less than $250,000.00 because of bodily injury to or death of 1 person in any 1 accident. (b) Before July 2, 2020 and subject to the limit for 1 person in subdivision (a), a limit of not less than $40,000.00 because of bodily injury to or death of 2 or more persons in any 1 accident, and after July 1, 2020, and subject to the limit for 1 person in subdivision (a), a limit of not less than $500,000.00 because of bodily injury to or death of 2 or more persons in any 1 accident. (c) A limit of not less than $10,000.00 because of injury to or destruction of property of others in any accident.”
The provision begins before this quote, and the part before it is not quoted here.
“(5) After July 1, 2020, an applicant for or named insured in the automobile liability or motor vehicle liability policy described in subsection (1) may choose to purchase lower limits than required under subsection (1)(a) and (b), but not lower than $50,000.00 under subsection (1)(a) and $100,000.00 under subsection (1)(b). To exercise an option under this subsection, the person shall complete a form issued by the director […]”
The provision continues past the end of this quote, and the rest is not quoted here.
The same notice:
“(8) After July 1, 2020, if an insurance policy is issued or renewed as described in subsection (1) and the person named in the policy has not made an effective choice under subsection (5), the limits under subsection (1)(a) and (b) apply to the policy.”
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Michigan: No-fault, personal injury protection and the right to sue
“[…] for an insurance policy that provides the security required under section 3101(1) and is issued or renewed after July 1, 2020, the applicant or named insured shall, in a way required under section 3107e and on a form approved by the director, select 1 of the following coverage levels for personal protection insurance benefits under section 3107(1)(a): (a) A limit of $50,000.00 per individual per loss occurrence for any personal protection insurance benefits under section 3107(1)(a). The selection of a limit under this subdivision is only available to an applicant or named insured if both of the following apply: (i) The applicant or named insured is enrolled in Medicaid, as that term is defined in section 3157. (ii) The applicant's or named insured's spouse and any relative of either who resides in the same household has qualified health coverage, as that term is defined in section 3107d, is enrolled in Medicaid, or has coverage for the payment of benefits under section 3107(1)(a) from an insurer that provides the security required by section 3101(1). (b) A limit of $250,000.00 per individual per loss occurrence for any personal protection insurance benefits under section 3107(1)(a). (c) A limit of $500,000.00 per individual per loss occurrence for any personal protection insurance benefits under section 3107(1)(a). (d) No limit for personal protection insurance benefits under section 3107(1)(a).”
The provision begins before this quote, and the part before it is not quoted here.
Who may elect not to carry it:
“[…] elect to not maintain coverage for personal protection insurance benefits payable under section 3107(1)(a) if the applicant or named insured is a qualified person, and if the applicant's or named insured's spouse and any relative of either that resides in the same household have qualified health coverage or have coverage for benefits payable under section 3107(1)(a) […]”
The provision begins before this quote and continues past its end, and neither part is quoted here.
The limit on a suit for pain and suffering:
“A person remains subject to tort liability for noneconomic loss caused by his or her ownership, maintenance, or use of a motor vehicle only if the injured person has suffered death, serious impairment of body function, or permanent serious disfigurement.”
The same section, on fault:
“Damages must be assessed on the basis of comparative fault, except that damages must not be assessed in favor of a party who is more than 50% at fault.”
Michigan: Uninsured and underinsured motorist coverage
Not established here. No Michigan statute on uninsured or underinsured motorist coverage was located for this page, and the provisions read (MCL 500.3009, 500.3107c, 500.3107d and 500.3135) do not address it.
Michigan: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (MCL 500.3009, 500.3107c, 500.3107d and 500.3135).
What partial fault costs you in Michigan
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Michigan law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Michigan deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Michigan periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
MCL § 600.5805(2)·Source retrieved 2026-07-27
Open the personal injury calculatorMCL §§ 600.5805(8), 600.5838a·Source retrieved 2026-07-27
Open the medical malpractice calculatorMCL § 600.5805; § 600.2922·Last reviewed 2026-07-29
Open the wrongful death calculatorMCL § 418.381·Source retrieved 2026-07-27
Open the workers compensation calculatorMichigan against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Michigan is one of them.
- Its 3 years to file is longer than the 2 years that 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Michigan is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology