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I was in a motorcycle accident in Michigan: How do I get No-Fault benefits?

April 28, 2011 by Steven M. Gursten

Motorcycle accident attorney lists each source of recovery for a biker’s insurance after a crash

I’ve received a few follow-up emails from my last blog on auto insurance for bikers in Michigan, and they all essentially ask the same question: What order of priority does a person who has been injured in a motorcycle accident turn to for No-Fault insurance benefits? I’ve decided to write my response here, so anyone injured in a motorcycle crash can quickly and easily discover who is responsible for paying their No-Fault benefits.

According to MCL 500. 3114, after a motorcyclist has been involved in a motorcycle accident with a motor vehicle:

1. The first auto insurer responsible for the biker’s No-Fault insurance benefits is that of the owner of the automobile involved in the accident with the motorcycle. If the automobile is not insured. . .

2. The driver of the automobile involved in the accident would cover the motorcyclist’s insurance benefits – if the driver is different from the owner. If the driver is uninsured. . .

3. The motorcycle driver’s own insurance company would cover the injured biker’s insurance benefits. In other words, if the driver of the motorcycle also owns an automobile, and is a “named insured” on an auto insurance policy, than the motorcycle driver’s auto insurance would pay for his No-Fault benefits. If the motorcycle driver has no auto insurance. . .

4. The owner of the motorcycle’s auto insurance company would pay. In other words, if the owner of the motorcycle also owns an automobile, and is a “named insured” on an auto insurance policy, than the motorcycle owner’s auto insurance would cover the motorcyclist’s auto insurance expenses. If the motorcycle owner has no auto insurance…

5. The Assigned Claims Facility would cover the biker’s No-Fault insurance benefits, and the State of Michigan will then assign an insurance company to handle your No-Fault claim. The State of Michigan established the Assigned Claims Plan to provide financial help to people injured in auto accidents where there is no insurance available, or for those who have no auto insurance coverage of their own.

If you’ve been injured in a motorcycle accident and are unsure of your legal rights, or if are confused about your No-Fault insurance benefits, call Michigan Auto Law at (248) 353-7575. Our motorcycle accident attorneys are here to answer all of your questions, and there’s no fee or obligation.

Steven M. Gursten heads Michigan Auto Law and is recognized as one of the nation’s top motorcycle accident attorneys. He received the highest motorcycle accident settlement in Michigan last year, according to Michigan Lawyers Weekly. Steve has spoken at trial seminars on winning motorcycle accident lawsuits, and is available for comment.

Related information:

What happens when a motorcyclist causes a motorcycle accident?

What to do after a motorcycle crash in Michigan

Answers to your top 5 Michigan motorcycle accident questions

Michigan Auto Law is the largest law firm exclusively handling car accident, truck accident and motorcycle accident cases throughout the entire state. We have offices in Farmington Hills, Detroit, Ann Arbor, Grand Rapids and Sterling Heights to better serve you.

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