Michigan PIP Law
Michigan is one of a number of states that has adopted a no-fault law for auto insurance. This law requires all vehicles registered in the state of Michigan to carry insurance that meets certain requirements. Important amount the requirements for auto insurance in Michigan is the requirement that one have personal injury protection, or PIP benefits. These are essentially the benefits that cover your losses if you are injured in a motor vehicle accident. In many areas of the law, we look for fault when determining who should be responsible for paying for damages, but under the no fault law, we are instructed to look to our own insurance first. In fact, there is a rigid hierarchy of where to look for coverage.
In many ways, the places to look are perhaps not the most obvious ones, so here is a list, in order.
Finally, if all of the higher priority sources do not have insurance, the injured party will look to Michigan’s Assigned Claims Facility, which is an entity established by the Michigan legislature to cover individuals who are injured in auto accidents, but who somehow are not otherwise covered.
Contributing to the complexity is the fact that even within these rules, there are exceptions, making an already confusing situation even more difficult for the untrained individual to navigate on their own. A skilled attorney can help make sure you are making your claim against the correct insurance company, and will have the expertise you need to make sure your claim is being paid out properly.