First Party Claims

After a car crash, your first recourse is against your own no-fault insurance provider. This PIP claim covers your medical expenses, lost wages for up to 3 years, and other payments essential to a full recovery.

Which Company Covers You?

The first step in claiming your First Party insurance coverage is to figure out which insurance company covers you. Once you narrow it down, complete the Application of Benefits form for that company and mail it to your provider right away.Auto Accident

To find out what company covers you ask yourself:

Do You Own a Car?

If you have auto insurance on any vehicle, your own insurance company covers you, even if someone else caused the crash. Fault doesn’t matter. Even if the collision was because of your own carelessness, you can still receive benefits under your own no-fault insurance.

What If You Don’t Own a Car?

Just because you don’t have no-fault insurance doesn’t mean your out of luck when it comes to an automobile accident. Coverage could come from three sources:

  • Do you live with a family member who has auto insurance? If so, your “resident relative’s” insurance could cover your injuries.
  • No family coverage? No worries. You can still be covered by the insurance on the vehicle you were in at the time of the crash.
  • When all else fails, your claim will be turned over to the Assigned Claims Facility.

What Are Your No-Fault Benefits?

No-Fault insurance covers a variety of injuries and benefits. If you’ve been hurt in a car crash you can recover your:

Medical Expenses

Usually, your health insurance is the first line of defense in covering your medical expenses after an accident. But if your health insurance doesn’t cover it, or if you have to pay deductibles, the no-fault auto insurance company is required to pay all your accident-related medical bills for the rest of your life. That includes:

  • Medical bills: The no-fault insurance company must pay for reasonably necessary medical care related to injuries from your auto accident.
  • Mileage: The no-fault insurance company has to cover the actual cost of our transportation to and from accident-related medical treatment or reimburse you for your mileage.
  • Handicap Accessibility: If you need to modify your home because of your new medical circumstances, the no-fault insurance company can be required to pay for ramps, grab bars, or even structural modifications or additions.
  • Attendant Care: If you require home care – from high-intensity nursing to simple supervision and assistance, the no-fault insurance company must pay your aids for their work. That includes paying your friends or family for providing in-home care. Attendant care is an extremely valuable benefit that must be carefully and thoroughly documented. Many insurance companies will look for holes on your documentation as a basis to deny payment. Work with your doctor and your attorney to get the right documentation to get the most out of this extremely valuable benefit.

Wage Loss

If you can’t work because of your injuries, the no-fault insurance company is required to pay your lost wages. You can get up to 85% of your gross income for up to 3 years after your accident. Even if you were unemployed at the time of the accident, you may still qualify for wage loss benefits.

Household Services

After your accident you may not be able to do common household chores like cleaning or laundry. If you need someone to help you, the no-fault insurance company must pay up to $20 per day for these services for up to 3 years. That’s true even if your family members are the ones doing the work.

How Do You Get Your Benefits?

If you are ready to file your claim, here’s how to do it:

  1. File the Application for Benefits.
  2. Submit medical bills. Your doctors and medical providers must bill the correct insurance company within one year of providing you the necessary care and services.  If they miss the oe year mark, the insurance company does not have to pay the claims.
  3. The insurance company will verify your job and pay rate with your employer.
  4. Get a disability slip from your doctor and give it to your insurance provider. This should start the regular wage loss payments.
  5. Get a prescription from your doctor specifying the number of hours and nature of attendant care you need, and provide that prescription to your insurance provider.
  6. Document your replacement services and turn them in to the insurance provider with the date and nature of the service and the person who performed it.

Michigan’s no-fault laws are surprisingly complicated and changes frequently. If you need help, consult with an attorney that specializes in auto injuries full time.


Everyone at Christensen Law was extremely friendly and very easy to work with. Whenever I had a question, they took the time to talk with me and explained everything thoroughly. They were also very quick to return phone calls. I would definitely recommend Christensen Law to anyone in need of a personal injury lawyer.

I suffered Traumatic Brain Injury when struck by a vehicle while walking. My recovery was a long uphill battle; I had little energy to expend on daily routines and even LESS on caring for my home and life. I wondered how I could continue into the future with the difficulties I faced.

I handed the baton off to David and Sarah of Christensen Law. They resolved the unique challenges of my case while buffering me from the opposing side’s onslaught. The case concluded successfully and to my satisfaction with minimal effort on my part.

To ease the burden of the load you carry, make the decision on your legal team today. You’re in the right place – all you have to do now is make the call.

Overall a professional, great team. Everyone knew me and my case. When I left a message, I got a quick reply. Sarah made me feel comfortable going into a courtroom, where I never had been before. Both David and Sarah are very knowledgeable with legal issues. I trusted everyone and am a satisfied client.

V. Watkins

I never knew attorneys could be so accessible and kind. They fought for me all the way to the end. They had to take my case to trial and they won me a great settlement. Now I have a secure future.


HH, Davison

I was treated very nicely and professionally with a lot of consideration and compassion for my disabilities suffered in a horrible car accident. Mr. Christensen and Sarah Stempky made sure I understood what was happening with my case and that everything was pulled together.

LG, Stockbridge

As an accident victim I had to have my leg amputated and I was in bad shape overall. David Christensen was a light in that experience. I ended up with an entire home modification to accommodate my disabilities. It was a very stubborn insurance company but David wouldn’t take no for an answer.

CB, Milford

If I had questions or worries Dave would address them with me because he knows what he is doing. I think the world of him. I felt he went above and beyond to turn a really bad situation around. I have hope now where before I felt powerless and miniscule and that these big insurance companies were just going to railroad me.

DT, Jackson

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