$2,000 for emergency fetal monitoring and evaluation is enough to make people panic and let the insurer steer treatment. That is the common mistake. In Michigan, you generally choose your own doctors, including your OB-GYN, after a crash.

For a Sterling Heights winter collision on black ice near M-53, Van Dyke, or Hall Road, Michigan no-fault PIP can cover reasonable and necessary medical care for crash-related injuries. That can include ER care, maternal-fetal monitoring, ultrasound, follow-up visits, and treatment if the crash caused pain, bleeding, contractions, or other symptoms.

The insurer can ask you to attend an independent medical examination (IME) under the Michigan No-Fault Act. But an IME doctor is not your treating doctor, and the insurer does not get to replace your OB with its own preferred physician.

A few Michigan rules matter fast:

• File your Application for No-Fault Benefits within 1 year of the crash.
• Send medical bills and records promptly; there is a 1-year back rule limiting older unpaid expenses.
• If benefits are overdue, the insurer can owe 12% interest on overdue amounts.

A pre-existing condition or pregnancy does not automatically defeat the claim. If the crash worsened pain, caused new symptoms, or made extra monitoring medically necessary, those bills can still be covered. The issue is whether the treatment was related to the crash, not whether you were already pregnant or had prior back or pelvic pain.

What hurts claims is a gap in treatment or letting the insurer's IME paper over your treating records. If symptoms started later that night or the next day, tell your OB and the hospital exactly when they began. In Michigan, delayed symptoms after a snow-season crash are common, and clear records from your own providers usually matter more than what an insurer-paid examiner writes.