Whose insurance covers you after an automobile accident? Under the Michigan no fault insurance law, it can depend on the circumstances of your crash.

If you were driving your own car and another driver hits you, your own no-fault insurance policy will kick in and pay the benefits.

What about your passenger? Who pays for his injuries? If your passenger has his own no fault auto insurance, then that policy will apply, even though he wasn’t driving at the time.

Insurance coverIf that passenger does not have a policy of her own, such as if the passenger is a child, then her medical expenses will be paid by the insurance policy of a close family member living in the same household. This could be a spouse, parent, or other resident relative.

If the passenger lives alone or no one in his household has auto insurance, only then can he file a claim under your insurance policy, as the owner of the vehicle.

In the rare case where a passenger is injured, has no insurance policy of her own or a family member’s, and was riding in an uninsured vehicle, the State of Michigan will assign an insurance company to provide for medical benefits through the “assigned claims facility.” The owner or driver of an uninsured vehicle does not have the same protection.

Figuring out which no fault insurance company will cover your claim in a car crash can be confusing. You need an experienced attorney to guide you through the process and make sure the right companies are involved. The lawyers at Christensen Law in Southfield, Michigan, have been representing injured drivers and passengers for over 20 years. They can help you file your claim and get the medical benefits you need to recover.


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

Awards & Accomplishments