Earlier this month, a state appellate court issued a written opinion in a Michigan car accident case discussing the state’s personal protection insurance (benefits) system. The case is important for all Michigan accident victims because it shows how the PIP system works, and under what circumstances an injury victim may not be covered.
As a general matter, Michigan’s PIP framework is a no-fault system, meaning that an injury victim does not need to show that the other driver was at fault to recover PIP benefits. However, questions can come up regarding whether a person is covered under a PIP policy. In situations involving multiple vehicles and multiple insurance policies, issues may also arise regarding which insurance policy has “priority,” or is responsible for covering the claim.