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Mandatory Michigan No-Fault Insurance for Motor Vehicles

Attorney Commentary on No-Fault Statute: MCL 500.3101

Security for payment of benefits; definitions

If you own, or have registered in your name, a motor vehicle that is driven or moved upon a highway, then you are required under MCL 500.3101 to maintain a No-Fault insurance policy that provides personal and property protection benefits as well as residual liability coverage. These policies are considered “security” (or a guarantee) that you will receive the benefits included in your particular policy, should you be involved in and injured as a result of a motor vehicle accident. Motor vehicle accidents include car and truck accidents. Motorcycle accidents, however, are included only if the accident also involves a car or truck.

This statute also provides definitions of words used throughout the Michigan No-Fault Act. In the example above, a person may think they know what “motor vehicle accident,” “motorcycle,” and “owner” mean, but Michigan insurance laws give these words important legal significance.

For example:

“Motorcycle” means a vehicle having a saddle or seat for the use of the rider, with not more than 3 wheels in contact with the ground that has a motor that exceeds 50 cubic centimeters piston displacement.

“Motorcycle accident” means a loss involving the ownership, operation maintenance or use of a motorcycle as a motorcycle, but not involving the use of a motor vehicle as a motor vehicle.

“Motor vehicle” means a vehicle, including a trailer, operated or designed for operation upon a public highway by power other than muscular power which has more than 2 wheels. “Motor vehicle” does not include a motorcycle, moped, farm tractor (or other implement of husbandry), an ORV, a golf cart, a power-driven mobility device, a commercial quadricycle or an electric bicycle.

Therefore, if someone is a motorcyclist (or driving other non-traditional vehicles, such as ATVs) and they are involved in an injury accident with a motor vehicle (such as a car accident or truck accident), they would be entitled to Michigan No-Fault insurance benefits. But, if they are not involved in an accident with a motor vehicle, they would not be entitled to Michigan No-Fault insurance benefits.

Motorcycles are not required to carry mandatory Michigan No-Fault PIP insurance coverage under Michigan law, but motorcyclists are required to carry PLPD (personal liability and property damage) insurance coverage, in case they cause an injury accident.

Insurance Attorneys of Michigan Auto Law

The attorneys 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 or truck accident in Michigan and are confused about your No-Fault insurance rights, please call one of our expert lawyers for a free case evaluation at (800) 777-0028 or fill out our consultation form. There is absolutely no fee or obligation. .

We are here to help you.