Exclusions From Michigan No-Fault Benefits

Michigan No-Fault Benefit Exclusions For Personal Protection Insurance Benefits
Under Michigan law, there are certain situations where exclusions occur disqualifying car accident victims from recovering No-Fault PIP insurance benefits (personal injury protection benefits). Three of the most frequently occurring situations are described below.
Michigan No-Fault Benefits Exclusions For Stolen Vehicles
An automobile accident victim cannot recover PIP benefits if the individual is driving a car or truck that was taken unlawfully. However, if the injured person did not or should not have known that the motor vehicle was taken unlawfully, then he or she is entitled to PIP insurance benefits under Michigan law.
It is important to note that this disqualification arguably applies only to the thief or criminal. If an automobile accident victim is an innocent occupant of a stolen vehicle, he or she may still recover PIP insurance benefits. Similarly, if an innocent person is involved in an automobile accident with a car or truck that is stolen, his or her right to hire a lawyer and file a lawsuit claiming Michigan PIP insurance benefits, and to sue in tort for personal injury, pain and suffering, and excess economic loss, will not be affected.
Exclusions For Uninsured Vehicles
If the injured person was driving his or her own vehicle at the time of the car accident and if that vehicle was “uninsured,” i.e., it was not covered by a valid, No-Fault auto insurance policy, then the injured person will be disqualified from receiving PIP benefits. An “owner” is a person who has the right to “use” of a motor vehicle for over thirty days or an individual who holds title to the motor vehicle. Read here about an important insurance coverage in case of an accident with an uninsured vehicle.
Michigan No-Fault Benefits Exclusions For Out-of-State Residents
Exclusions exist for out-of-state residents (i.e., a non-Michigan resident) who are injured in auto accidents in Michigan disqualifying them from receiving No-Fault PIP insurance benefits unless he or she “owned a motor vehicle” that was both registered and insured in Michigan.
Injured in a car accident and need legal help? Call the attorneys at Michigan Auto Law now for a free consultation!
If you were injured in a car accident in Michigan, call now (800) 968-1001 for a free consultation with an experienced car accident lawyer. There is no cost or obligation. You can also visit our contact page or use the chat feature on our website.
Michigan Auto Law is Michigan’s largest and most successful law firm that specializes exclusively in helping people who have been injured in auto accidents.
Our secret? Our attorneys deliberately handle fewer cases than other personal injury law firms. This allows us to focus more time and attention on our cases.
Unlike other law firms, our attorneys are never too busy to promptly return phone calls and answer questions.
We have more than 2,500 5-Star reviews that reflect this care and attention to detail.
More importantly, this client-focused approach leads to better and faster settlements for our clients. Michigan Auto Law has recovered more million-dollar settlements and trial verdicts for motor vehicle accidents than any other lawyer or law firm in Michigan. We’ve also recovered the highest ever reported truck accident and car accident settlement in the state.
Call now so we can start making a real difference for you.
Source: Michigan No-Fault Statute: MCL 500.3113 On Exclusions For Individuals Who Aren’t Entitled To Personal Protection Insurance Benefits
Last updated: