The Michigan One-Year Rule Explained (2025): Don’t Lose Your No-Fault Benefits

Introduction

Michigan’s No-Fault insurance law provides essential protections after an accident, but strict timelines can wipe out your benefits if you don’t act fast. The “one-year rule” is one of the most common — and most costly — mistakes we see in Downriver.

In 2025, this rule still applies: if you wait too long to file or submit expenses, you may permanently lose coverage. Here’s what every driver needs to know.

What Is the One-Year Rule?

The one-year rule (MCL 500.3145) requires:

• Medical bills must be submitted to your insurer within one year of treatment.
  

• Wage-loss claims must be filed within one year of the missed work.
  

• Replacement service claims (help with household tasks) also must be filed within one year.
  

If you miss the deadline, the insurer is not required to pay — even if the expenses are valid and directly related to your accident.

Common Mistakes That Cost Drivers Their Benefits

• Waiting until treatment is complete before sending bills to the insurer
  

• Not realizing that different bills (hospital, PT, imaging) must each be submitted separately.
  

• Relying on verbal promises from adjusters instead of documented submissions
  

• Delaying legal advice until after the one-year mark has passed
  

Why This Matters for Downriver Drivers

Accidents along Fort Street, Telegraph, and I-75 often involve serious injuries and extended treatment. Missing the one-year deadline can leave families paying thousands in out-of-pocket costs. Local counsel ensures claims are filed promptly and properly with insurers that handle cases in Wayne County every day.

How to Protect Your Benefits

• Keep copies of all medical bills and receipts.
  

• Submit expenses right away — don’t wait until you have a stack.
  

• Confirm insurer receipt of each submission in writing.
  

• Contact an attorney early to manage the process and preserve your rights.
  

Final Word

Michigan’s one-year rule is harsh, but with the proper steps, you don’t have to lose the benefits you’re entitled to.

📞 Speak with a Downriver Injury and Automotive Law attorney today — we’ll ensure your claims are protected and filed on time.