Who runs it
The plan is administered by the Michigan Automobile Insurance Placement Facility (MAIPF), a statutory body funded by assessments on Michigan auto insurers. The MAIPF decides whether you are eligible, then assigns your claim to a servicing insurer or administrator that handles it day to day. The servicing insurer pays your benefits as if it were your insurer.
Who qualifies
Under MCL 500.3172(1), a person injured in Michigan by a motor vehicle can claim through the plan when:
- No PIP coverage applies to the injury, for example a pedestrian with no car and no insured spouse or resident relative
- No applicable PIP coverage can be identified, as in many hit-and-run crashes
- Two or more insurers dispute which of them owes the claim
- The only applicable insurer cannot pay because it is insolvent
Work through the priority rules first. A policy in your household, or the policy on an employer’s vehicle, may apply before the plan does.
Who does not qualify
MCL 500.3113 bars PIP, including through the plan, for a person who at the time of the crash:
- Owned or registered a vehicle involved in the crash that did not have required no-fault insurance
- Was willingly using a vehicle they knew or should have known was taken unlawfully
- Was not a Michigan resident, unless they owned a vehicle registered and insured in Michigan
- Was driving a vehicle on which they were a named excluded driver
The plan also must deny a claim supported by a knowingly false material statement (MCL 500.3173a(4)). In Van Heusen v Michigan Automobile Insurance Placement Facility (October 15, 2026), the Court of Appeals held that a person who opted out of PIP medical coverage under the Medicare option cannot use the plan for medical benefits, because their own policy still applies. See if you were uninsured for the details.
What it pays
| Benefit | Through the plan |
|---|---|
| Medical care, mileage, attendant care and other allowable expenses | Up to $250,000 per person for crashes after July 1, 2020 (MCL 500.3172(7)(a)) |
| Wage loss | 85% of gross income for up to three years, subject to the monthly cap |
| Replacement services | Up to $20 a day for three years |
| Survivors’ loss and funeral | Payable to dependents as under a policy |
A $2 million allowable-expense limit applies only in two narrow situations: a person who opted out of PIP medical coverage or was excluded from it based on qualified health coverage, and is hurt during the 30-day window after that health coverage ends (MCL 500.3172(7)(b), 3107d(6)(c), 3109a(2)(d)(ii)).
Benefits for claims under the first, second and fourth grounds above are reduced by other benefits covering the same loss, but not by Medicaid or Medicare (MCL 500.3172(5)).
How to apply
- Complete the MAIPF’s Application for Personal Injury Protection Benefits Through the Michigan Assigned Claims Plan. The MAIPF accepts it online at michacp.org, and its instructions say online filings may be processed faster than mail.
- Sign it, including the authorization for release of information.
- Attach the police report, the EMS run report and anything showing you looked for other coverage.
Within 60 days after receiving a complete application, the MAIPF or the assigned insurer must tell you in writing what proof of loss it needs (MCL 500.3172(3)). The forms page covers the wage, household and care forms you will send after that.
Cooperation rules
MCL 500.3173a requires you to cooperate, including attending an examination under oath and insurer medical exams. You are presumed to have cooperated if you submit a complete application, give reasonable proof of loss and attend any examination under oath scheduled on at least 21 days’ notice at a reasonably convenient place. Failing to cooperate suspends benefits until you do. See examinations under oath.
One year from the crash, and it must be received. MCL 500.3174 requires notice to the MAIPF within one year after the accident, and the MAIPF’s application says it must be received by then. A late application is usually fatal to the claim. Check your date with the deadline calculator.
Sources: MCL 500.3113; MCL 500.3172; MCL 500.3173a; MCL 500.3174; MCL 500.3107d; MCL 500.3109a; Van Heusen v Michigan Automobile Insurance Placement Facility (Mich. Ct. App., Oct. 15, 2026); MAIPF application form ACP-01.
Questions people ask us
How long do I have to apply to the Michigan Assigned Claims Plan?
The application must be received within one year after the date of the accident under MCL 500.3174. Apply as soon as you know no policy applies, because the MAIPF returns incomplete applications without assigning them.
How much does the MACP pay for medical care?
Allowable expenses, including medical care, are capped at $250,000 per person under MCL 500.3172(7). A higher $2 million limit applies only in narrow cases, such as a person whose qualified health coverage ended during the 30-day window to replace it.
Can I get MACP benefits if I owned an uninsured car?
Not if you owned or registered an uninsured vehicle involved in the crash. MCL 500.3113 bars PIP for that person, including through the plan.
Does the MACP pay wage loss and household help?
Yes. The plan pays the same categories of PIP benefits as a policy, including wage loss and replacement services, subject to the statutory limits.