This calculator provides estimates based on Michigan’s statutory framework and typical settlement patterns. Accuracy depends on precise input data and specific case circumstances. The calculator applies Michigan-specific rules like the $3,000 mini tort limit and PIP coverage parameters. For precise valuation, consult with a Michigan auto accident attorney who can evaluate medical documentation, liability issues, and insurance policy details.

If you have unlimited PIP coverage (the default before Michigan’s 2019 reforms), your medical expenses should be fully covered by your own insurance regardless of fault. In the calculator, you would only enter medical expenses that exceed PIP coverage or aren’t covered (like certain experimental treatments). Most Michigan drivers with unlimited PIP will have $0 in out-of-pocket medical expenses for accident-related treatment.

Pain and suffering compensation isn’t mathematically calculated but negotiated or awarded based on: injury severity, recovery duration, permanency of impairment, impact on daily activities, and comparative fault. Michigan juries may consider factors like physical pain, emotional distress, loss of enjoyment of life, and inconvenience. The calculator’s pain and suffering field allows you to input an estimated value based on similar Michigan cases with comparable injuries.

Michigan follows a modified comparative fault system. If you’re less than 50% at fault, your non-economic recovery (pain and suffering) is reduced by your percentage of fault. If you’re 50% or more at fault, you cannot recover non-economic damages. Fault doesn’t affect PIP benefits (medical/wage loss) or mini tort recovery for vehicle damage (if under 50% at fault). The calculator doesn’t automatically adjust for fault percentage—consult an attorney for fault-specific calculations.

Consult a Michigan auto accident attorney if: (1) You’ve suffered serious injuries meeting the threshold, (2) Insurance companies dispute liability or coverage, (3) Your PIP benefits are denied or delayed, (4) You were significantly injured (broken bones, surgery required, etc.), (5) You’ve missed substantial work, or (6) The accident resulted in permanent impairment. Most Michigan attorneys offer free consultations and work on contingency fees (paid only if you recover).