Monroe Law Firm Protecting Your Legal Rights Across Michigan
Our Monroe office serves clients throughout Southeast Michigan, including Dundee, Temperance, Bedford, and all of Monroe County, as well as nearby communities across the region.
Comprehensive Legal Representation in Michigan
At Gallon, Takacs & Boissoneault, you get more than an attorney—you get a dedicated team. Our lawyers, paralegals, and staff work together on every case to ensure that no detail is overlooked. With deep experience in Michigan law and No-Fault Insurance, we handle every step of your claim so you can focus on healing.
Below are some of the most common cases we handle for Michigan residents:
Personal Injury & Accident Cases
- Wrongful Death Claims
- Car Accidents
- Semi-Truck Accidents
- Motorcycle Accidents
- Boating and Watercraft Injuries
- Dog Bites
- Bicycle Accidents
- Pedestrian Accidents
- Medical Malpractice
- Birth Injuries
- Nursing Home Neglect or Abuse
- Elevator Accidents
- Machine Amputations
- Home / Apartment / Dorm Fires
- Slip and Fall Injuries
- Dangerous Products
- Construction Accidents
- Farm Accidents
Social Security Disability
Understanding Michigan’s No-Fault Insurance Law
Michigan is a No-Fault Insurance state, which means that if you are injured in an auto accident, your own insurance generally covers medical bills, lost wages, and replacement services—no matter who caused the crash.
Every Michigan driver is legally required to carry No-Fault insurance. Driving without it, or allowing someone else to drive your uninsured vehicle, is against the law.
If you’re unsure what your coverage includes or how to file a claim, our Michigan car accident attorneys can help. We’ll explain your rights, handle the insurance paperwork, and make sure you receive the full benefits you’re entitled to under Michigan law.
Learn more at Michigan.gov
The Three Key Parts of a Michigan No-Fault Policy
1. Personal Injury Protection (PIP)
Under Michigan’s reformed No-Fault law, drivers choose their PIP medical coverage limit—options include Unlimited, $500,000, $250,000, or special levels for Medicaid and Medicare-eligible individuals.
PIP may also pay:
Up to 85% of lost income for up to three years
$20 per day for household replacement services (like cleaning or yard work)
Coverage amounts vary based on your selections and eligibility.
2. Property Protection (PPI)
Covers up to $1 million for damage your vehicle causes in Michigan to someone else’s property—such as buildings, fences, or properly parked vehicles. It does not cover other vehicle damage.
3. Residual Liability Insurance (BI/PD)
Protects you if you are sued for causing serious injury, permanent disfigurement, or death. It also applies in some out-of-state or non-resident accidents.
Why Choose Gallon, Takacs & Boissoneault
Over 70 Years Serving Michigan Communities
Deep Knowledge of Michigan’s No-Fault System
Personalized Representation — One Attorney Per Case
Free Consultations and No Upfront Costs
Offices Conveniently Located in Monroe and Throughout the Region
Let Our Michigan Injury Attorneys Protect You
When you’ve been hurt in an accident, experience matters. Our Monroe-based Michigan personal injury lawyers understand how complex No-Fault claims can be—and we’ll take care of the details so you can focus on recovery.
Call (734) 430-3012 or contact us online for a free consultation.
Let us help you get the justice, compensation, and peace of mind you deserve.
Michigan No-Fault & Personal Injury FAQs
What does Michigan No-Fault insurance pay for after a crash?
Michigan No-Fault (PIP) may cover accident-related medical bills up to your selected PIP medical limit, up to 85% of lost income for up to three years, and $20 per day for household replacement services. Coverage depends on the level you selected.
What PIP medical coverage options do Michigan drivers have?
Drivers can choose among six PIP medical coverage levels, including Unlimited, $500,000, $250,000, and special options for Medicaid- or Medicare-eligible households (including certain opt-outs when eligibility applies).
Can I sue the at-fault driver even though Michigan is a No-Fault state?
Yes. You may pursue damages if your injuries meet Michigan’s threshold for serious impairment of body function, permanent serious disfigurement, or death. You can also file a mini-tort claim for up to $3,000 for vehicle damage not covered by insurance.
How long do I have to file a claim?
Generally, you have three years from the date of the crash for an injury or wrongful-death lawsuit, and one year to claim No-Fault (PIP) benefits. Additional notice requirements may apply.
What is Property Protection Insurance (PPI) in Michigan?
PPI pays up to $1 million for damage your vehicle causes in Michigan to other people’s property, such as buildings, fences, or properly parked vehicles. It does not cover other vehicle damage.
I live in Ohio, but was hurt in Michigan. Do I still have rights?
Likely yes. Cross-border crashes can trigger Michigan No-Fault benefits and liability claims. Because residency, vehicle registration, and coverage limits all matter, talk to an attorney right away.
