Michigan car accident leads
Summit Leads supplies car accident leads across all U.S. states, Michigan among them, by real-time ping/post, exclusive by default, with ZIP code filters. Michigan is no-fault: drivers pick one of six PIP medical levels listed by DIFS (as of October 7, 2026), and pain and suffering claims must meet a serious injury threshold.
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Michigan facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | No-fault, with a PIP medical coverage level chosen for policies issued or renewed after July 1, 2020 (DIFS, as of October 7, 2026)Choosing PIP Medical Coverage Michigan Department of Insurance and Financial Services |
| PIP medical coverage levels | Unlimited; up to $500,000; up to $250,000; up to $250,000 with exclusions; up to $50,000 (Medicaid); opt-out (Medicare Parts A and B). Unlimited applies if none is chosen (DIFS, as of October 7, 2026)Choosing PIP Medical Coverage Michigan Department of Insurance and Financial Services |
| Default liability limits | $250,000 per person and $500,000 per accident for bodily injury; $10,000 for property damage in another state (DIFS, as of October 7, 2026)Choosing Bodily Injury Coverage Michigan Department of Insurance and Financial Services |
| Lowest liability limits a driver may buy | $50,000 per person and $100,000 per accident for bodily injury (DIFS, as of October 7, 2026)Choosing Bodily Injury Coverage Michigan Department of Insurance and Financial Services |
| Tort threshold for noneconomic loss | Death, serious impairment of body function, or permanent serious disfigurement (MCL 500.3135, per M Civ JI chapter 36, updated July 21, 2026)Model Civil Jury Instructions (updated July 21, 2026): M Civ JI 11.01 and chapter 36 Michigan Supreme Court, Committee on Model Civil Jury Instructions |
| Comparative fault rule | Damages reduced by the plaintiff's share; no noneconomic damages above 50 percent fault (M Civ JI 11.01, updated July 21, 2026)Model Civil Jury Instructions (updated July 21, 2026): M Civ JI 11.01 and chapter 36 Michigan Supreme Court, Committee on Model Civil Jury Instructions |
| Personal injury statute of limitations | 3 years after the time of the death or injury (MCL 600.5805(2), quoted by the Court of Appeals in 2021)Yaghnam v. John Doe, No. 353547 (July 15, 2021), quoting MCL 600.5805(2) Michigan Court of Appeals |
| Traffic fatalities | 1,096 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Lawyer advertising and solicitation rules | MRPC 7.2 (Advertising) and 7.3 (Solicitation), as updated effective January 1, 2026Michigan Rules of Professional Conduct (updated with orders effective January 1, 2026) Michigan Supreme Court |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Michigan PIP choice and the no-fault threshold
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Since the 2019 reform, the PIP medical level on a Michigan policy varies from driver to driver. The Department of Insurance and Financial Services page on choosing PIP medical coverage (as of October 7, 2026) lists six levels, from unlimited down to $50,000 for Medicaid enrollees, plus an opt-out for a named insured with Medicare Parts A and B. Each level is the most the insurer pays per person per accident, and unlimited is the default.
A claim for pain and suffering against the other driver has to meet the no-fault threshold. The Michigan Model Civil Jury Instructions (updated July 21, 2026) describe that threshold as death, serious impairment of body function or permanent serious disfigurement under MCL 500.3135. M Civ JI 36.01 defines serious impairment as an objectively manifested impairment of an important body function that affects the plaintiff's general ability to lead a normal life, and says it does not have to be permanent.
Three years to sue and the more-than-half rule
Michigan's fault rule cuts off pain and suffering, not the whole claim. M Civ JI 11.01 in the Model Civil Jury Instructions (updated July 21, 2026) reduces the plaintiff's damages by the plaintiff's percentage of negligence and adds that a plaintiff more than 50 percent at fault is not entitled to noneconomic damages.
The filing period is three years. In Yaghnam v. John Doe, No. 353547 (July 15, 2021), the Michigan Court of Appeals quotes MCL 600.5805(2): the period of limitations is 3 years after the time of the death or injury for actions to recover damages for injury to a person.
Buyers set an accident age limit well inside three years, and they read the fault answers against the more-than-half line before they price a lead.
Default and lowest liability limits in Michigan
The 2019 law raised the default bodily injury and property damage limits. According to the DIFS page on choosing bodily injury coverage (as of October 7, 2026), the default limits are up to $250,000 for a person hurt or killed, up to $500,000 per accident when several people are hurt or killed, and up to $10,000 for property damage in another state. The lowest limits a driver may buy are $50,000 per person and $100,000 per accident, with the same $10,000 property damage figure.
Since limits vary by driver, the at-fault driver's insurer is worth capturing on a Michigan lead.
Michigan crash deaths
NHTSA counts 1,096 traffic fatalities in Michigan in 2023 in its FARS state fatality table. FARS counts deaths, not injury crashes.
Michigan Rules of Professional Conduct on advertising and solicitation
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The Michigan Supreme Court publishes the Michigan Rules of Professional Conduct, updated with orders effective January 1, 2026. Two rules cover the topics of ABA Model Rules 7.2 and 7.3:
- MRPC 7.2, Advertising. Paragraph (c) bars giving anything of value for recommending a lawyer's services, with exceptions such as the reasonable cost of permitted advertising. Paragraph (b) requires a copy or recording of each advertisement to be kept for two years after its last dissemination.
- MRPC 7.3, Solicitation. Paragraph (a) limits soliciting professional employment from a person with no family or prior professional relationship when a significant motive is the lawyer's pecuniary gain.
This is a list of rules, not a view on whether any lead program fits them.
What buyers in Michigan filter on
On a Michigan campaign, the PIP level and the injury come first:
- PIP medical level: which of the six DIFS levels the claimant chose, since a capped or opted-out level changes who pays medical costs.
- Injury and treatment: diagnosis and effect on daily life, read against the serious impairment definition in M Civ JI 36.01.
- Fault answers: whether the claimant may be above the more-than-half line for noneconomic damages.
- Accident date: age of the claim inside the three-year period.
- Representation status: whether the claimant already has a lawyer.
- ZIP code: the ZIP codes each firm covers.
Where buyers filter in Michigan
Michigan's six largest metropolitan areas in the Census Bureau's July 1, 2025 estimates all sit inside the state. Buyers can take one metro, several, or a list of ZIP codes that ignores metro lines.
- Detroit-Warren-Dearborn: 4,390,913 (July 1, 2025 estimate)
- Grand Rapids-Wyoming-Kentwood: 1,183,645 (July 1, 2025 estimate)
- Lansing-East Lansing: 479,722 (July 1, 2025 estimate)
- Flint: 401,093 (July 1, 2025 estimate)
- Ann Arbor: 370,214 (July 1, 2025 estimate)
- Kalamazoo-Portage: 263,795 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Michigan car accident leads
Every Michigan car accident lead is delivered with its TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record. Calling teams can check Michigan's row in the state telemarketing laws table for state rules on top of federal law, and the page on leads in Michigan covers MVA and home improvement together.
Michigan car accident lead questions
What PIP medical levels can a Michigan driver choose?
Six, per DIFS (as of October 7, 2026): unlimited, up to $500,000, up to $250,000, up to $250,000 with exclusions, up to $50,000 for Medicaid enrollees, and an opt-out for Medicare Parts A and B enrollees. Unlimited applies if no level is chosen.
How do Michigan jury instructions define serious impairment of body function?
M Civ JI 36.01 defines it as an objectively manifested impairment of an important body function that affects the plaintiff's general ability to lead a normal life. It does not have to be permanent. This is general information, not legal advice.
What are the default liability limits on a Michigan auto policy?
The DIFS bodily injury page (as of October 7, 2026) lists $250,000 per person, $500,000 per accident and $10,000 for property damage in another state. The lowest limits a driver may buy are $50,000 and $100,000.
Request Michigan car accident leads
Email us the Michigan ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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