Your results
Who likely pays your no-fault benefits
What you can claim
Your deadlines
A claim against the other driver
Example answers shown; change them to yours. This applies general rules in MCL 500.3107, 500.3113, 500.3114, 500.3115, 500.3135 and 500.3145. It is not legal advice and does not account for every policy term or exception.
How the navigator decides
Michigan’s priority rules usually send you to an auto policy in your own household first (MCL 500.3114(1)). Employees in employer vehicles go to the employer’s insurer (MCL 500.3114(3)). Motorcyclists follow their own order, starting with the insurers of the car involved (MCL 500.3114(5)). People with no household policy, whether they were in a car or on foot, usually claim through the Michigan Assigned Claims Plan. Read the full guide to which insurer pays.
The benefits and caps come from the date of your crash: wage loss is capped per 30 days by crash date, and wage loss and household help end three years after the crash.
Sources: MCL 500.3107, 500.3108, 500.3113, 500.3114, 500.3115, 500.3135, 500.3145; MCL 600.5805; DIFS Bulletins 2025-18-INS and 2026-20-INS.
Questions people ask us
Is the result a legal opinion?
No. It applies the general priority and benefit rules in the no-fault act to your answers. Policy wording, coverage choices and facts you did not enter can change the answer, so treat it as a starting point for a conversation with a lawyer.
Why does it ask about my household?
Michigan PIP usually follows the person, not the car. Your own policy, a spouse’s policy or a policy of a relative you live with is usually first in line, even if you were in someone else’s vehicle.
What if no one in my household has auto insurance?
For most crashes since the 2019 reform, an occupant or pedestrian with no household policy claims through the Michigan Assigned Claims Plan, where medical benefits are limited to $250,000 for crashes after July 1, 2020. Employees in employer vehicles and some bus or commercial passengers follow different rules.