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No-Fault Certification of Michigan Insurers

Lawyer Commentary on No-Fault Statute: MCL 500.3163

Certification as to protection by admitted and non-admitted insurers, non-resident motor vehicle owners and operators, necessity, authorization, effect

An insurance company who does business in Michigan is required to provide No-Fault benefits to non-Michigan residents injured in any car accident in Michigan if they have insurance coverage in another state.

A non-Michigan resident is entitled to No-Fault benefits in Michigan if:

  1. The non-resident is in a car accident in Michigan.
  2. The non-resident’s insurance company sells insurance in Michigan or has filed a certificate with the state of Michigan. or
  3. The car accident occurred through the non-resident’s own use of a motor vehicle.

This clearly restricts this coverage to motor vehicle accidents only. Non-resident motorcyclists, pedestrians, and bicyclists cannot hire a lawyer to sue their own insurance company for No-Fault benefits in Michigan (however, some insurance companies have contract definitions in uninsured or underinsured motorist coverage (UM and UIM) that may include these accidents).

Additionally, a non-resident not using their motor vehicle as a motor vehicle (for example, sleeping in your car) will not be able to receive No-Fault benefits from her own insurance company if she is then involved in a car accident in Michigan.

No-Fault Lawyers of Michigan Auto Law

The lawyers of Michigan Auto Law have been specializing in auto 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 navigating through your No-Fault insurance policy, please call one of our expert attorneys for a free case evaluation at (800) 777-0028. Or you can fill out our consultation form. There is no fee or obligation.

We are here to help you.