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, so (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. 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.