Whose Insurance Company Pays for an Injured Person’s No-Fault Benefits After a Car Crash?

In Michigan, we have all heard the term “No-Fault Insurance,” but what does No-Fault mean, and whose insurance company is liable for these benefits?

MCL 500.3114 lays out the “order of priority” rules, which serve as a guideline to determine which insurance company will pay the injured person’s No-Fault Benefits, including medical expenses, wage loss, attendant care, household services, etc.

Below are some general rules under Michigan Law in determining the order of the appropriate insurance carrier. *There are several exceptions to the general rules, and it is important to seek an experienced attorney’s advice in navigating the order of priority.

If you are injured while driving or occupying a private vehicle:

1. Your own automobile insurance policy:
2. If you do not have your own insurance policy, then the insurer of your spouse or relative who is domiciled in the same household;
3. If neither a nor b applies, you may be entitled to insurance coverage through the Michigan Assigned Claims Plan.

If you are injured in an employer-furnished vehicle:

1. Employer’s automobile insurance policy;
2. Your own automobile insurance policy;
3. The insurer of your spouse or relative that is domiciled in the same household;
4. If none of the above apply, then you may be entitled to insurance coverage through the Michigan Assigned Claims Plan.

If you are injured while driving a motorcycle involved in a motor vehicle crash:

1. Insurer of the motor vehicle involved;
2. The insurer of the driver of the motor vehicle involved;
3. Insurer of the motorcycle driver;
4. Insurer of the motorcycle owner;
5. If none of the above apply, then you may be entitled to insurance coverage through the Michigan Assigned Claims Plan.

If you are a pedestrian injured by a motor vehicle:

1. Your own automobile insurance policy;
2. The insurer of your spouse or relative that is domiciled in the same household;
3. If neither a nor b applies, then you are entitled to insurance coverage through the Michigan Assigned Claims Plan.

If you’ve been injured in an accident, seek an attorney who understands Michigan’s complex No-Fault system. We can deal with the insurance companies so that you don’t have to. Call Michigan car accident attorneys Giroux Pappas Trial Attorneys. 248-531-8665.