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Michigan Automobile Insurance Placement Facility

Lawyer Commentary on No-Fault Statute: MCL 500.3171-3178

Assigned Claims Plan & Michigan Automobile Insurance Placement Facility
(Formerly known as the Michigan Assigned Claims Facility)

The state of Michigan provides a safety net of insurance coverage for no-fault (PIP) benefits in situations where a person is involved in a car accident, but there is no insurance company available to provide no-fault benefits.

The name of the safety net is an organization called the Michigan Automobile Insurance Placement Facility (MAIPF), formerly known as the Michigan Assigned Claims Facility. The Michigan Automobile Insurance Placement Facility (MAIPF) is considered the insurance company of last resort.

The Michigan Automobile Insurance Placement Facility (MAIPF) administers the Michigan Assigned Claims Plan, which sets out the procedures for ensuring that Michigan No Fault benefits are provided to uninsured auto accident victims.

The Michigan Automobile Insurance Placement Facility (MAIPF) does not apply to a person driving an uninsured car that is owned. However, if an individual who doesn’t have auto no-fault insurance is injured in a car accident in a non-owned vehicle, and if there is no other insurance company of higher priority, then the Michigan Automobile Insurance Placement Facility (MAIPF) would provide payment of benefits.

Another example is a pedestrian who does not own a car or have auto insurance, who lives alone, and who is then struck by a hit-and-run driver or a driver who is uninsured. Here, there is no PIP coverage that applies, as the injured pedestrian does not own a car or have auto insurance, and does not live with a resident relative who has auto insurance. Also, the injured pedestrian cannot claim no-fault benefits from the motor vehicle that struck him and caused the injuries, as the driver either fled the scene or is uninsured. Therefore, the injured pedestrian would submit an application for no fault benefits to the Michigan Automobile Insurance Placement Facility (MAIPF), which will assign the injured pedestrian’s claim to a no-fault insurer for payment of PIP benefits.

Another situation where the Michigan Automobile Insurance Placement Facility (MAIPF) applies involves disputes among different insurance companies. The Michigan Automobile Insurance Placement Facility (MAIPF) often steps into insurance company disputes regarding priority much like a mediator, in situations where multiple insurance companies might arguably be required to provide no-fault benefits; or if an insurance company providing coverage is later found. A PIP claim can then be submitted to the Michigan Automobile Insurance Placement Facility (MAIPF) for immediate no-fault coverage, and the plan will eventually be reimbursed. However, those making a claim must still provide proper notice to the Michigan Automobile Insurance Placement Facility (MAIPF) and timely submittals of incurred benefits.

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