Michigan No Fault Changes For Your Auto Insurance Policy

By on September 13, 2019

Effective June 11, 2019,

When no-fault reform was signed into law, the Order of Priority for PIP claims has changed. In addition, claims sent to the Michigan Assigned Claims Plan (MACP) no longer have unlimited PIP. An injured person now collects PIP benefits in the following order.

  1. Insurer of the Named Insured
  2. Insurer of the Spouse or Resident-Relative; then
  3. Injured Person applies for benefits through the MACP ($250,000 benefit level)

In a nutshell, no longer does the coverage extend to the named insured’s non-relatives who live in the household or to relatives who do not reside in the household, even if listed as drivers. Examples: · Children/adults who are using a vehicle titled in your name but have established residency elsewhere. This could be a college student away at school, a college student who has established residency different than yours, or a young adult who took a new job in a different city. · Living with someone (who is not a spouse or relative) who does not have his/her own insurance, but drives a vehicle titled in your name. This could be a significant other who drives your car, but doesn’t have his or her own auto policy.

If you think either of these situations or another unique situation might apply to you, please contact our office as soon as possible at 517-347-1466.

  • Do you have children who are using a vehicle titled in your name, but have established residency elsewhere?
  • Do you live with someone (who is not a spouse or relative) who does not have his or her own insurance, but drives a vehicle titled in your name?

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