Full Compliance
Built on Industry Standards
Operating since 2009, we've developed processes that ensure potential leads are treated fairly and their privacy respected. We achieve full compliance with TCPA, ABA, CCPA, and federal and state statutes.
Exclusive Motor Vehicle Accident Leads in Michigan for Law Firms - Since 2009
Michigan case value is capped by a number the claimant chose before the crash - anywhere from $50,000 to unlimited lifetime medical. We identify which ceiling actually applies, and the four ways a higher one is still in play, before the lead reaches your intake desk.
Both States Run No-Fault. That's Where the Similarity Stops.
If your firm buys motor vehicle leads in more than one no-fault state, the instinct you've built in Florida will mislead you here, and it will cost you money.
Florida's first-party system is a flat $10,000 with a gate on the front of it. The work there is getting the claimant in on time and proving they qualify to step outside the first-party system at all.
Michigan has no gate and no flat number. Michigan has a ladder - six coverage levels running from $50,000 at the bottom to genuinely unlimited lifetime medical at the top - and the claimant climbed onto one of them before they ever got in the car.
That is not a stricter version of Florida. It is a different question entirely. In Florida you ask whether the claim can leave the first-party system. In Michigan the claim mostly lives inside it, and the only thing that matters is how high the ceiling goes.
Michigan MVA cases run through the same personal injury lead generation pipeline we use for every practice area we serve.
MCL 500.3107c
For most of Michigan's history there was no question to ask. Every driver in the state carried unlimited lifetime PIP by statute, which is why Michigan produced some of the most valuable auto files in the country - catastrophic brain and spinal injuries with decades of funded attendant care behind them. The 2019 reform ended that.
Available only to Medicaid-enrolled drivers meeting specific household conditions. A serious hospitalisation exhausts it in weeks.
Available only where every named insured and resident spouse holds qualifying Medicare Parts A and B. Strict compliance is mandatory - see route one below.
Where household members carry qualifying health coverage. Functionally distinct from plain $250,000, which is why the honest tier count is six rather than five.
A ceiling a catastrophic file reaches quickly once rehabilitation and attendant care begin.
Substantial, and still a ceiling. Long-horizon attendant care exposure runs past it.
No cap, for the life of the injured person. The default where no valid selection was made - and the tier that makes Michigan the most valuable MVA market in the country.
Public Acts 21 and 22 of 2019 replaced mandatory unlimited coverage with a tiered election under MCL 500.3107c, effective for policies issued or renewed after July 1, 2020. Six answers. Two Michigan claimants with identical catastrophic injuries, identical liability and identical treatment plans are now carrying files that differ by orders of magnitude - and the difference was decided at a renewal, possibly years ago, possibly by somebody else in the household.
Michigan practitioners describe the pattern plainly: a client arrives with $280,000 in medical bills against a $50,000 election made to save roughly forty dollars a month. That is the file your intake team is about to spend an hour qualifying, unless somebody screened for it first.
The Largest Unclaimed Variable in Michigan Lead Generation
Here is what every national vendor selling Michigan volume is doing right now: pricing files on injury severity.
In most states that's defensible shorthand. In Michigan it tells you what the claimant needs rather than what anyone is going to pay for, and those two numbers stopped being related in July 2020.
A vendor's fifty-state intake script has no field for MCL 500.3107c, because in forty-nine states the question is meaningless. So Michigan leads get generated, priced against a national blended average, and delivered - with the tier distribution completely unknown and the resulting dead-file rate absorbed quietly by the buying firm.
Why a Low Reported Tier Is Not a Dead File
There's a lazy version of tier screening: ask what the claimant picked, discard anyone under $250,000, sell the rest at a premium. It looks rigorous. It throws away good cases, because Michigan law puts a higher ceiling back in play through four separate routes.
In Northland Radiology, Inc. v. Allstate Fire & Casualty Ins. Co., the Court of Appeals held that where all statutory requirements for the Medicare opt-out are not strictly satisfied, the opt-out is ineffective - and the policy is treated as though unlimited lifetime PIP had been elected, extending benefits to the insured, a spouse, and every resident relative. The Court was explicit that strict compliance with all eligibility and documentation requirements is mandatory. A claimant who tells your intake team "I opted out" may be describing a selection that does not survive scrutiny.
Mich. Ct. App., March 25, 2026 · No. 374214A driver who never made a documented selection lands on the unlimited tier by operation of law. Claimants routinely have no idea what they chose, and "I don't know" is a materially different answer from "$50,000." Vendors that score an uncertain claimant as a low tier are discarding the exact files most likely to resolve upward.
MCL 500.3107cMichigan's priority order routes a PIP claim first to the claimant's own insurer, then to a resident relative's policy, then to the owner or operator of the vehicle, and finally to the Michigan Assigned Claims Plan. A claimant on the $250,000 tier who lives with a parent or spouse carrying unlimited may be claiming under the higher policy. The right intake question is not "what did you pick" - it's "who else is in your household, and what do they carry."
MCL 500.3114-3115In Andary v. USAA Casualty Ins. Co., the Michigan Supreme Court held on July 31, 2023 that the 2019 amendments - the medical provider fee schedule and the 56-hour weekly cap on family-provided attendant care - do not apply retroactively to people injured while covered by policies issued before the reform took effect on June 11, 2019. Those claimants keep uncapped family attendant care and reasonable-and-customary reimbursement. A legacy file is worth substantially more than an otherwise identical post-reform file, and the entire difference is a date.
Mich. Sup. Ct., July 31, 2023 · MCL 500.3157Every Michigan lead reaches you labelled in one of those four conditions. We don't make the coverage determination for you. We make sure you know which conversation you're walking into.
Michigan Runs Two Deadlines, and Vendors Track the Wrong One
Ask a lead vendor about Michigan timing and you'll be told three years. That's correct for the third-party claim under MCL 600.5805 and irrelevant to most of the money.
The first-party PIP claim runs on one year. Written notice to the insurer within a year of the crash - and then the part that catches firms out, the one-year-back rule under MCL 500.3145, which bars recovery of any PIP benefit for an expense incurred more than one year before the lawsuit is filed.
Read that twice, because it isn't a single deadline. It's a rolling bar. Every medical bill and every wage-loss item carries its own one-year life. A bill incurred in August 2025 must be paid or sued upon by August 2026 or it is gone permanently, regardless of how much time remains on the tort claim.
The practical consequence for a lead buyer: a Michigan file can be simultaneously healthy and haemorrhaging. A claimant at eighteen months post-crash still has eighteen months of tort runway and looks perfectly fine on a vendor's spreadsheet, while six months of PIP benefits have already expired and will never be recovered.
The Intake Fields That Establish the Ceiling
Screening isn't a checkbox - in Michigan it's built around the coverage election that decides what the file is actually worth. Every contact is checked against these eight points before it reaches your firm.
| Intake Field | What We Establish |
|---|---|
| The Reported Tier, and the Confidence Behind It | What the claimant says they carry, whether they can produce the declarations page, and - critically - whether they simply don't know. "Don't know" routes to default-to-unlimited analysis rather than being scored as a low tier. |
| The Household Policy Picture | Who else lives in the home, whose policies exist, and what those carry. Under the priority order at MCL 500.3114-3115 this is frequently the question that determines the ceiling, and it is a question no fifty-state script asks. |
| Opt-Out Validity Indicators | Where a claimant reports opting out, we capture the Medicare status of every named insured and resident spouse, because strict compliance is mandatory and a defective opt-out defaults to unlimited. |
| Crash Date Against June 11, 2019 | A single date field that determines whether the fee schedule and the 56-hour attendant care cap apply at all. Legacy files are materially more valuable and the difference is entirely a function of a date. |
| Attendant Care Indicators | Whether the claimant requires assistance with daily activities, who is providing it, and how many hours a week. In catastrophic Michigan files attendant care is often the largest single component of the claim, and family-provided hours are exactly what the 56-hour cap restricts on post-reform files. |
| Injury Profile Against MCL 500.3135 | Whether the reported injuries plausibly involve death, permanent serious disfigurement, or serious impairment of body function - the gateway to non-economic damages against the at-fault driver. Flagged for your review, never determined by us. |
| Fault Posture and Mini-Tort | Michigan bars non-economic recovery for a claimant more than 50% at fault, and the mini-tort under MCL 500.3135(3)(e) allows up to $3,000 in vehicle damage recovery where the claimant is 50% or less at fault. Both captured, neither is the reason you're buying the file. |
| Government Vehicle Indicators | A 120-day written notice requirement applies under MCL 691.1404. Flagged immediately on delivery so the shortest clock on the file is never the one you discover late. |
Flat Volume, Worse Crashes
Michigan State Police released final 2025 crash data in August 2026. The headline reads well - and the categories underneath it read very differently.
Total crashes came in at 290,221, up 0.5% from 288,880 - which is to say flat. Michigan has run in the 288,000 to 293,000 band for years. Teen fatalities, ages 13 to 19, fell 21%, from 77 to 61, and the state's SAFER by 2030 initiative launched in December 2025 targeting a 30% fatality reduction.
Now the categories that went the other way. Pedestrian, cyclist and commercial-vehicle files are precisely the ones most likely to produce catastrophic injury - and catastrophic injury is precisely where the PIP tier decides whether a file is worth seven figures or is capped at fifty thousand dollars.
Total volume is static while the composition shifts toward severity. A firm buying Michigan volume on injury severity alone is buying into a market whose severe-case share is rising, without any visibility into whether those severe cases are funded. That's an increasingly expensive blind spot.
Metro Detroit, the West Side, and a Michigan-Specific Geography Problem
Michigan logged 290,221 reported crashes in 2025 - roughly 795 a day - and the demand isn't spread evenly. We tune targeting by county and township, in three pricing tiers.
Detroit, Warren, Sterling Heights, Dearborn, Livonia, Troy, Westland, Farmington Hills, Southfield, Rochester Hills, Taylor, Novi, Royal Oak, Pontiac, Dearborn Heights, St. Clair Shores, Roseville.
Roughly half the state's crash volume, the highest case values, the heaviest competition and the highest cost per lead. These three counties close fastest.
Grand Rapids, Flint, Ann Arbor, Lansing, Wyoming, Kalamazoo, Portage, Saginaw, Holland, Battle Creek.
Strong volume at materially lower acquisition cost, and generally the best cost per signed case in the state for firms licensed statewide.
Muskegon, Bay City, Midland, Jackson, Monroe, Port Huron, Traverse City, Marquette, Alpena, Escanaba.
Lower competition, lower cost per lead, longer intake cycles. Worth building into a statewide programme rather than buying alone.
Several of Michigan's largest population centres are charter townships, not cities. A vendor running a city-name geo filter systematically under-delivers those markets, and collectively they hold more people than Grand Rapids and Warren combined. We target by county and township, not by city name.
Corridor volume on I-75, I-94, I-96, I-696, I-275, M-10 and US-23 is tracked separately. I-75 and I-94 carry heavy commercial freight through the state, and with commercial-vehicle-involved fatalities up 16% in 2025 those corridors are producing a rising share of catastrophic files. Where a commercial vehicle is the primary tortfeasor, the file routes to our truck accident program.
Three Ways to Buy Michigan Volume
We've delivered more than 60,000 high-quality leads to law firms since 2009. In Michigan that screening discipline is pointed at one thing: establishing the ceiling before you pay for the file.
Michigan Rate Card
Firms researching this space deserve real figures, not a vague quote request. Here is where our Michigan pricing sits, and why the tier rows exist at all.
| Product | Tier A Wayne / Oakland / Macomb |
Tier B Kent, Genesee, Washtenaw, Ingham, Ottawa, Kalamazoo |
Tier C Balance of state |
|---|---|---|---|
| Exclusive real-time MVA lead | $455–$590 | $375–$475 | $295–$375 |
| Exclusive — unlimited PIP confirmed | $650–$840 | $535–$690 | $425–$550 |
| Exclusive — pre-June 2019 legacy file | $700–$910 | $575–$745 | $460–$595 |
| Exclusive — capped tier ($50K–$250K) | $340–$440 | $280–$360 | $220–$285 |
| Live transfer | $625–$810 | $520–$675 | $415–$540 |
| Signed retainer — standard auto | $4,300–$6,200 | $3,400–$4,900 | $2,700–$3,900 |
| Signed retainer — catastrophic / attendant care | $10,500–$19,000 | $8,600–$15,000 | $7,000–$12,000 |
| Indicative weekly minimum | 12–15 leads | 10–12 leads | 6–8 leads |
Why Michigan prices at the top of our range - and why the tier row exists.
An unlimited-tier Michigan file with catastrophic injuries and lifetime attendant care exposure is among the most valuable single motor vehicle files available anywhere in the country. No other state ever promised uncapped lifetime medical, and the legacy pre-reform files still carrying uncapped family attendant care under Andary are more valuable still. Pricing Michigan like an average state would be mispricing it badly.
But the same reasoning demands the other end of the table. A $50,000-tier file with identical injuries is not the same asset, and charging you the same for it would be indefensible. So we publish a capped-tier price that sits well below our standard rate, and we tell you which one you're buying before you buy it. That is the entire product.
Note that there is no aged-lead row on this page. That is deliberate, and it is the honest position.
| County Tier | Lead midpoint (unlimited tier) | Implied cost per signed case |
|---|---|---|
| Tier A | ~$745 | $4,650–$6,200 |
| Tier B | ~$610 | $3,810–$5,080 |
| Tier C | ~$490 | $3,060–$4,080 |
Calculated at a 12–16% conversion band. Same caveat as every state we run: that band sits slightly above the market's 10–15% for exclusive leads, justified by screening depth, and it only holds if your team calls inside fifteen minutes. Run these against your own historical conversion rate, not ours. For market context, exclusive real-time MVA leads run roughly $320–$550 across the industry in 2026, shared leads $30–$150, and signed retainers $2,500–$7,500.
Straight Talk
Four situations where you should buy from someone else, or buy a different product from us. We would rather say this now than after the first invoice.
Standard reason plus a Michigan one: the one-year-back rule is already running, and every week a file sits is recoverable PIP benefit you can't get back. If you can't staff a fifteen-minute response, buy live transfers or signed retainers - and we'll say so on the call.
We'll lose that comparison and we should. Shared networks are cheaper per unit and not cheaper per case - but if cost per lead is your internal metric, we're not going to win an argument with your reporting structure.
Understandable, and we can weight heavily toward them. But unlimited is no longer the default in this state, and a vendor promising you a steady diet of unlimited-tier catastrophic files is describing a market that stopped existing in July 2020. We'll tell you the realistic monthly ceiling before you sign.
Michigan's most valuable files are long-horizon catastrophic matters with attendant care and fee-schedule litigation attached. If that isn't your practice, the premium tiers on our rate card aren't worth paying for, and we'd rather sell you standard volume at a standard price.
Where We Generate Michigan MVA Leads
County-level availability changes weekly because exclusivity is real. Wayne, Oakland and Macomb close fastest.
Detroit, Warren, Sterling Heights, Dearborn, Livonia, Troy, Westland, Southfield, Farmington Hills, Royal Oak, Taylor, Novi, Pontiac, Dearborn Heights, St. Clair Shores, Roseville, Rochester Hills.
Clinton Township, Canton Township, Macomb Township, Shelby Township, Waterford Township, Redford Township, West Bloomfield, Bloomfield Township.
Grand Rapids, Wyoming, Kentwood, Holland, Muskegon, Grand Haven, Norton Shores.
Lansing, East Lansing, Flint, Saginaw, Bay City, Midland, Mount Pleasant, Owosso.
Kalamazoo, Portage, Battle Creek, Jackson, Benton Harbor, St. Joseph, Monroe.
Ann Arbor, Ypsilanti, Saline, Chelsea, Brighton, Howell.
Traverse City, Petoskey, Alpena, Cadillac, Marquette, Escanaba, Sault Ste. Marie.
Wayne, Oakland, Macomb, Kent, Genesee, Washtenaw, Ingham, Ottawa, Kalamazoo, Saginaw, Livingston, Muskegon, St. Clair, Jackson, Berrien, Monroe, Calhoun, Allegan, Eaton, Bay.
Don't see your county? Ask - we build campaigns statewide, and we target by county and township rather than by city name.
Full Compliance
Operating since 2009, we've developed processes that ensure potential leads are treated fairly and their privacy respected. We achieve full compliance with TCPA, ABA, CCPA, and federal and state statutes.
Exclusive Means Finite
We cap the number of firms we supply per county, so availability moves week to week - Wayne, Oakland and Macomb close fastest. Tell us your counties, your case types, and your monthly capacity. We'll come back with current openings, tiered pricing, and a sample lead file with the full PIP ceiling assessment attached - so you can see exactly which files are funded and which are capped before you buy any of them.
Prefer to talk it through? Bring your current cost per signed case and we'll tell you honestly whether we can beat it.
Get Started
Tell us your counties, your case types, and your monthly capacity. We'll come back with current openings, tiered pricing, and a sample lead file with the full PIP ceiling assessment attached.
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Every file labelled before it reaches your desk.
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FAQ
Everything your firm needs to know before launching your first Michigan MVA campaign with Injury Case Claims.
Wrong State?
We build one screening program per state, around the specific rule that decides whether a file is a case there. Here is what each one screens for.
Michigan You Are Here
Six PIP coverage tiers under MCL 500.3107c — from $50,000 to unlimited lifetime medical — and the four ways a higher ceiling is still in play.
Pennsylvania
The full tort / limited tort choice under § 1705, plus the six statutory exceptions that restore full tort rights.
New York
The statutory injury categories at § 5102(d) and the 90/180-day category — a medical-evidence problem, not a coverage one.
Florida
A flat $10,000 first-party benefit with conditions on the front of it, and the question of when a claim can step outside the first-party system.
Texas
No injury filter at all, so coverage is the ceiling: 30/60/25 limits, UM/UIM rejection status, and exposure sitting above the policy.
Georgia
Post-SB 68 screening: the new accrual date, seat belt admissibility, and policy limits on a 50% bar.
California
A comparative fault rule where no claimant is ever barred outright, against the raised 30/60/15 minimum limits under SB 1107.
Illinois
Defendant identification under 735 ILCS 5/2-1117 — who else can be named on the file, and what naming them does to recovery.
Ohio
The statutory limit on non-economic damages under R.C. 2315.18, and the specific injury findings that lift it.
North Carolina
The 1% bar — the strictest fault rule in the country — and the last clear chance doctrine that can still rescue a file from it.
Buying across several states? Say so on the call. The screening criteria differ enough that a single blended order tends to underperform — and Michigan is the clearest case for that, because no other state prices on a coverage election the claimant made before the crash. We would rather quote them separately and let you compare cost per signed case state by state. Signed retainers are available in every market through our MVA retainer program.