Michigan Car Accident Settlement Calculator

Why Michigan Car Accident Settlements Are Complicated

Michigan’s auto accident system is unlike most states. Here’s what makes it tricky:

• No-Fault Law means your own insurance pays your medical bills — regardless of who caused the crash.
• You can only sue for pain and suffering if your injuries are serious enough to meet a legal threshold.
• If you were uninsured, you might be blocked from seeking non-economic damages.
• If you were more than 50% at fault, you might recover nothing.

The Michigan Settlement Calculator handles all these conditions automatically.

How the Calculator Works

The calculator uses a mix of your inputs and state-specific rules to estimate:

• Economic damages (medical bills, future care, lost income)
• Non-economic damages (pain, suffering, emotional distress)
• Property damage reimbursement (under Michigan’s “Mini-Tort” law)

Here’s what you’ll enter:

It also considers the at-fault driver’s policy limits, which cap how much you can realistically receive.

Real-World Rules Built In

The calculator doesn’t guess. It applies real Michigan legal limits, including:

• Serious Impairment Rule: No pain & suffering unless your injury is severe.
• No Pay, No Play Rule: Uninsured drivers can’t collect for pain and suffering.
• 51% Bar Rule: If you’re 51% or more at fault, you recover nothing.
• Mini-Tort Cap: Property damage reimbursement is capped at $3,000.
• Insurance Policy Limits: You can’t get more than the other driver’s coverage.

Each rule is coded into the calculator’s logic so you don’t need to understand legalese — just enter your info and hit “Calculate.”

Example Calculation

Let’s say:

• Medical bills = $8,000
• Lost wages = $2,000
• Injury = Moderate
• Insured = Yes
• Fault = 20%
• Recovery = 60 days
• At-fault driver’s BI limit = $50,000

The calculator will estimate your economic damages, multiply for pain and suffering (based on injury type and other factors), apply fault reduction, and cap the payout by the other driver’s policy.

In this case, you might see a settlement range like:
$24,000 – $28,000 (hypothetical)

Why Use a Calculator Instead of Guessing?

You could Google “average car accident settlement in Michigan” — but averages don’t help you. Every case is different.

With this calculator, you get:

• A custom estimate based on your real situation
• Adjustments for fault, insurance, injury severity
• A starting point for speaking with a personal injury attorney
• Better understanding of what’s realistic vs. legally barred

What Affects Your Settlement the Most?

Here’s what heavily influences your result:

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