maybe in michigan this is not true for all states

in ca

Do I have to pay to file?
Yes. The fee is based on the amount of your claim and the number of claims you have filed in the past 12 months:

If you have filed 12 or fewer claims in the past 12 months:
Amount of your claim: Filing Fee
$0 to $1500 $30
$1500.01 to $5,000 $50
$5000.01 to $7,500 $75

If you have filed more than 12 claims in the past 12 months, the filing fee is $100 (for any claim amount).