What is a car accident claim worth in Michigan?
Every rule below is quoted from Michigan law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Michigan, and the Michigan rules that raise or lower what you collect. $77,661 was the average injury claim paid in Michigan in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Michigan law on this site, each with a link.
What claims paid in Michigan
Injury claims in Michigan averaged $77,661 each in 2022.
Car and property damage claims averaged $5,184.
| Injury claim paid by the at fault driver's insurance | $77,661 |
|---|---|
| Car and property damage | $5,184 |
| Personal injury protection, paid by your own policy | $66,537 |
| Medical payments coverage, paid by your own policy | $23,207 |
| Collision coverage, paid by your own policy | $6,936 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Michigan
If you were partly at fault
Michigan uses modified comparative fault for crash injury lawsuits. You can recover damages as long as you are 50% at fault or less. If you are more than half at fault, you get nothing.
“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”
The other driver's policy limit is the ceiling
Michigan drivers must carry liability insurance of at least two hundred fifty thousand dollars per person and five hundred thousand dollars per accident for injuries you cause, and ten thousand dollars for property damage.
“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”
If the other driver has no insurance
Michigan does not require insurers to offer or include uninsured or underinsured motorist coverage. It is an optional coverage you can choose to add to your policy.
“Uninsured and Underinsured Motorists Coverage These coverages will pay if an uninsured or underinsured motorist seriously injures you or a member of your household and you are awarded a settlement from the at-fault driver.”
The deadline that ends the claim
You have three years from the crash to sue for your injuries.
“3 years after the time of the death or injury for all actions to recover damages for the death of a person or for injury to a person or property”
What a lawyer takes if you hire one
Michigan caps contingency fees in personal injury, wrongful death, and no-fault benefit cases at one third of the amount recovered. Charging more is treated as an unreasonable fee.
“The maximum allowable fee for the claims and actions referred to in subrule (A) is one-third of the amount recovered.”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.