Michigan Pre-Settlement Funding

The 2019 reform capped what PIP pays. Funding covers the shortfall while your case builds.

Michigan rewrote its no-fault auto insurance law in 2019, and the changes took effect July 2, 2020. The unlimited PIP system that made Michigan car insurance the most expensive in the country was replaced with a tiered election model. Drivers now select their PIP level from unlimited coverage down to a $50,000 floor for Medicaid-eligible policyholders. When medical bills climb past the selected limit, injured plaintiffs carry the remaining balance while their case builds toward resolution. Michigan pre-settlement funding advances cash against your active personal injury claim on a non-recourse basis. A lawsuit advance covers bills, rent, and daily costs during the wait. If you lose, the obligation ends. Zero repayment.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

Michigan Qualification Checklist

Three requirements line up on every Michigan funding application before our underwriting team can move. The case has to be a personal injury action actively filed in Michigan. Your attorney must be handling it on contingency. And the file has to be inside the three-year personal injury statute under M.C.L. § 600.5805(2). When all three are confirmed, underwriting reviews liability, available coverage, and documented damages to build an offer.

Filed Michigan Claim

A personal injury case actively filed in Michigan Circuit Court, Michigan District Court, or the Eastern or Western Districts of Michigan. Our funding reaches plaintiffs across all 83 Michigan counties, from Wayne and Oakland through Marquette and the Upper Peninsula.

Michigan-Licensed Contingency Counsel

Your attorney must hold a Michigan Bar license and be working the case on a contingency fee. All funding documentation moves directly between our team and your law firm. The applicant provides basic case details and signs the final agreement.

Documented Liability

Provable fault, measurable medical damages on the record, and a defendant with accessible insurance or assets. Credit history, income level, and employment status don’t enter the underwriting picture at any stage.

Michigan Case Types We Advance Against

Six case categories cover the Michigan personal injury filings we fund most often. Each goes through individual underwriting on liability, coverage, and damages.

Auto Accidents

I-75 and I-96 corridor crashes, Detroit metro and suburban Wayne County collisions, hit-and-run incidents, and underinsured motorist claims navigating Michigan’s post-reform PIP tiers.

Automotive Product Liability

Defective vehicle claims against Ford, GM, and Stellantis; supplier-chain component failures; airbag, ignition, and software defect cases originating from Michigan’s automotive manufacturing corridor.

Premises & Slip and Fall

Commercial property claims in Detroit, Grand Rapids, Ann Arbor, and Lansing; big-box retail and warehouse injuries; ice and winter weather incidents at negligently maintained properties.

Workplace & Industrial

Assembly line injuries in Michigan auto plants, agricultural injuries in western Michigan’s fruit belt, construction accidents in metro Detroit development zones, and third-party claims outside workers’ compensation.

Medical Malpractice

Surgical errors at Henry Ford Hospital, Beaumont Health, and Spectrum Health; birth injury claims; diagnostic failures; nursing home neglect under Michigan’s two-year malpractice statute.

Wrongful Death & Mass Tort

Flint water contamination legacy litigation, pipeline and environmental contamination cases, and pharmaceutical or medical device MDL filings in Michigan’s Eastern and Western federal districts.

Start your Michigan lawsuit funding application this week

Get Started

Or call us toll-free at (800) 961-8924.

Michigan Pre-Settlement Funding Laws and Regulations

Michigan operates one of the most complex auto insurance regimes in the country following the 2019 no-fault reform. Modified comparative negligence at the 51 percent bar applies to tort claims. A three-year personal injury statute and a separate two-year medical malpractice statute run independently. Each Michigan lawsuit funding decision works within these rules. Confirm the specifics for your case with your attorney before relying on the data below.

Statute of Limitations for Personal Injury

General negligence / personal injury: 3 years under M.C.L. § 600.5805(2) ^[1]
Medical malpractice: 2 years under M.C.L. § 600.5805(6); 6-month discovery extension when injury was not reasonably discoverable
Wrongful death: 3 years under M.C.L. § 600.5805(10)
Product liability: 3 years from the date of injury

Michigan medical malpractice includes a pre-suit notice requirement and a 6-month tolling provision for late discovery. Government tort claims require 60-day written notice to the governmental agency under M.C.L. § 691.1404 before filing.

Auto Insurance Limits (Post-2019 Reform)

Bodily Injury Liability (BI): $20,000 per person / $40,000 per accident (minimum; higher limits available) ^[2]
Property Damage Liability (PD): $10,000
Personal Injury Protection (PIP): Tiered election — unlimited / $500,000 / $250,000 / $50,000 (Medicaid-eligible) / opt-out (Medicare)
Mini-tort property damage cap: $3,000 for at-fault driver claims (raised from $1,000 under PA 21 of 2019)

Michigan’s 2019 No-Fault Reform (PA 21 of 2019, effective July 2, 2020) replaced mandatory unlimited PIP with a tiered election system. The PIP level on the insured’s own policy governs first-party medical and wage benefit coverage. To sue for non-economic damages (pain and suffering) in an auto case, the plaintiff must demonstrate a “serious impairment of body function” under M.C.L. § 500.3135.

Comparative Negligence Rule

Modified comparative negligence with a 51 percent bar under M.C.L. § 600.2959
If 51 percent or more at fault, recovery is barred entirely
If 50 percent or less at fault, the damages award is reduced by the plaintiff’s fault share

Michigan Application Steps

Most Michigan files move from application to funded account in 24 to 48 hours.

File Application

Submit case details through the form at the top of this page, or call (800) 961-8924 to start by phone. Michigan applications take under five minutes.

Attorney Review

Our team reaches your Michigan attorney to pull case documents. Underwriting covers liability, damages, and available coverage. Most decisions come back the same day or next day.

ACH Deposit

Once you and your attorney execute the funding agreement, the wire goes out by ACH. Most Michigan plaintiffs see the deposit within 24 hours of signing.

Michigan Plaintiff FAQ

How did Michigan’s 2019 no-fault reform affect lawsuit advance eligibility?

The reform shifted how fast Michigan plaintiffs exhaust their first-party PIP benefits. Drivers on lower PIP tiers may burn through medical coverage sooner than they would have under the old unlimited system. We fund cases where PIP has run out or where the tort claim is building past the first-party stage and expenses are accumulating.

Does the “serious impairment” threshold affect funding?

It affects which tort damages are available, which in turn affects case value. We fund Michigan auto cases where the plaintiff has crossed the serious impairment threshold and is pursuing non-economic damages beyond first-party PIP. Cases still at the PIP-only benefits stage need to clear that threshold before we can structure an offer.

What Michigan case types qualify beyond auto accidents?

We fund medical malpractice, premises liability, product liability, industrial and workplace injury, wrongful death, and mass tort cases across all 83 Michigan counties. The specific statutes differ by case type. The non-recourse funding structure is the same regardless of the underlying claim.

What happens if my Michigan case ends in a defense verdict?

Nothing comes out of your pocket. Michigan lawsuit funding is non-recourse, which means repayment depends entirely on a recovery. A defense verdict, dismissal, or no-collection outcome ends the obligation completely. The advance already in your account stays there.

Submit your Michigan lawsuit loan paperwork today