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Michigan No-Fault Insurance Coverage for Out-Of-State Accidents

Lawyer Commentary on No-Fault Statute: MCL 500.3111

Accidents occurring out of state, personal protection benefits

This no-fault statute defines coverage for car accidents occurring outside of Michigan. For any motor vehicle accident occurring outside of Michigan, an accident victim is still entitled to the same no-fault benefits payable, as long as the auto accident occurs within the United States, its territories or Canada.

Michigan no-fault insurance benefits are available not only to the insured policy holder involved in an accident, but also to a spouse, any relative who lives in the same household or any occupant of an automobile that is involved in the accident. Therefore, an injured person need not be the driver of a car or truck or be listed under an insurance policy to receive no fault-benefits.

This also applies to automobile accidents that occur in Michigan. Michigan no-fault insurance benefits are available to an injured owner, spouse and any resident relative of a motor vehicle involved in an automobile accident within Michigan — unless that person is considered a “constructive owner.” A constructive owner means that person had such regular use (or the right to use) that car or truck, that under Michigan law, that person should also have been listed as a named insured or as someone having such access to that vehicle on the policy. If it can be shown a person is a constructive owner of a vehicle, then the insurance company can refuse to pay no-fault benefits to that person. These cases have been recently expanded by the Michigan Supreme Court.

No-Fault Lawyers of Michigan Auto Law

The lawyers of Michigan Auto Law have been specializing in automobile no-fault litigation for more than 50 years. If you have been injured in a car accident, truck accident or motorcycle accident and need help with your no-fault insurance, please call one of our expert attorneys for a free case evaluation at (800) 777-0028 or fill out our consultation form. There is no fee or obligation.

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