In Michigan, the first step is to file a claim with your own no-fault auto insurance after a car accident, bicycle accident, or motor vehicle-involved collision. This is called a first-party claim since you’re seeking benefits through your own policy. If the accident results in death, permanent disfigurement, or a serious impairment of body function, Michigan allows you to seek additional damages, including compensation for pain and suffering, from the other driver’s insurance. This is known as a third-party claim.
