Who pays and how to start
To start a Michigan PIP claim with Progressive, report the crash through Progressive’s claims channels, then send Progressive its written application for no-fault benefits. Under Michigan’s priority rules, Progressive usually pays your PIP benefits if it insures you, your spouse or a relative who lives with you. Fault does not decide which company pays. See which insurer pays.
Court opinions name Progressive companies such as Progressive Michigan Insurance Company and Progressive Marathon Insurance Company. Your declarations page shows which one issued your policy.
How to report a claim to Progressive
Progressive’s claims page lists three ways to report a claim:
- Online. Log in to your Progressive account, or continue as a guest if you are not a Progressive customer or do not have a login.
- Mobile app. Log in to the Progressive app and report the claim there.
- Phone. The page lists 1-800-776-4737.
Official claims page: www.progressive.com/claims/. Reporting the crash opens a claim number. It does not replace the written application for benefits.
Michigan steps that apply to every insurer
- Application for benefits. Complete and return the insurer’s application. It gives the written notice MCL 500.3145 requires: your name and address, and the time, place and nature of the injury. See no-fault forms.
- Wage and household forms. Send employer wage verification and disability slips for wage loss, and daily logs for replacement services.
- Reasonable proof. Under MCL 500.3142, PIP benefits are overdue if not paid within 30 days after the insurer receives reasonable proof of the fact and amount of the loss. Overdue benefits earn 12% interest a year.
- One-year rules. Give written notice within one year of the crash unless the insurer has already paid. A lawsuit recovers only losses incurred in the year before it is filed, with that period tolled from a specific claim until the insurer formally denies it. Use the deadline calculator.
If payments stop, read what to do when benefits are denied.
Michigan appellate decisions involving Progressive
These are no-fault decisions in which a Progressive company was a party. Each one turned on its own facts and issues. Unpublished Court of Appeals opinions are not binding precedent under MCR 7.215(C)(1).
- C-Spine Orthopedics, PLLC v Progressive Michigan Insurance Co, Michigan Supreme Court, July 3, 2025 (published). A plaintiff that had assigned away its PIP claim before suing was not the real party in interest, that defect can be cured after filing, and the one-year-back rule does not decide real-party-in-interest status, though it may still limit recovery.
- Childers v Progressive Marathon Insurance Co, Michigan Supreme Court, June 7, 2024 (published). The one-year limitations period in MCL 500.3145(1) applies to PIP actions against a lower-priority insurer after the higher-priority insurer became insolvent, so both actions against Progressive were time-barred.
- Mapp v Progressive Insurance Co, Michigan Court of Appeals, April 27, 2023 (published). A no-fault policy may provide PIP coverage broader than the statute requires, such as coverage for relatives “residing” in the household, and a fact question existed on whether the plaintiff qualified under the Progressive policy.
- Fosmore v Roth, Michigan Court of Appeals, February 17, 2026 (unpublished). The court reversed an order rescinding a Progressive Michigan policy as to the injured plaintiff, holding that the trial court misapplied the equitable factors for rescission against an innocent third party, and remanded.
Sources: MCL 500.3112, 500.3114, 500.3142, 500.3145 and 500.3148; MCR 7.215(C)(1); C-Spine Orthopedics, PLLC v Progressive Mich Ins Co (Mich, July 3, 2025); Childers v Progressive Marathon Ins Co (Mich, June 7, 2024); Mapp v Progressive Ins Co (Mich App, Apr 27, 2023); Fosmore v Roth (Mich App, unpublished, Feb 17, 2026); Progressive claims page (www.progressive.com/claims/), reviewed October 22, 2026.
Grove & Associates is not affiliated with Progressive. Company names are used only to identify the insurer.
Questions people ask us
Do I file my PIP claim with Progressive if the other driver was at fault?
Usually you claim PIP from your own insurer, or your spouse’s or a resident relative’s, whoever caused the crash. Progressive pays only if it is first in priority under MCL 500.3114. A claim against the at-fault driver for pain and suffering is a separate claim.
What happens if Progressive does not pay within 30 days?
Benefits not paid within 30 days after Progressive receives reasonable proof are overdue and earn 12% interest a year under MCL 500.3142. If a court finds the delay or refusal unreasonable, MCL 500.3148 lets it award attorney fees as well.
Can I report a claim to Progressive if I am not a Progressive customer?
Yes. Progressive’s claims page lets people who are not customers, or who have no account login, continue as a guest. You may be claiming PIP from Progressive because it insures a relative you live with or the vehicle you were in.