Under the Michigan No-Fault Act, personal injury protection (PIP) benefits are available to anyone who sustains an injury “arising out of the ownership, operation, maintenance or use of a motor vehicle.” MCL 500.3105. In most situations, the injured person receives no-fault benefits from his or her own insurance company. However, even if you do not have a car, you can still be injured in an auto accident. A passenger or pedestrian is still entitled to no-fault benefits regardless of whether he or she was the owner, driver or even an occupant of the motor vehicle involved in the accident.
Michigan legislators and the Insurance Coalition have proposed changes to Michigan's No-Fault Auto Insurance system that would harm seriously injured accident victims, while benefiting insurance companies. The proposed changes, would significantly reduce benefits for catastrophic claims without any guarantee that Michigan drivers would see a reduction in their rates. Contact your state representative or senator today to have your voice heard.