If you're a pedestrian or bicyclist hit by a motor vehicle in Michigan, you may have important rights under the state's No-Fault insurance law—even if you don't own a car.

Your medical bills are often paid through Personal Injury Protection (PIP) benefits. Michigan's No-Fault law sets priority rules to determine which insurance company pays, not which person pays. Depending on your situation, PIP benefits may come from your own auto insurer, a spouse or resident relative's insurer, or the insurance company for the vehicle involved in the crash. If no applicable coverage exists, benefits may be available through the Michigan Assigned Claims Plan. (See MCL 500.3114 and MCL 500.3115.)

PIP benefits can help pay for accident-related medical expenses, wage loss, and other covered benefits, regardless of who caused the crash.

If the driver's negligence caused your injuries, you may also have a separate claim for pain and suffering and other non-economic damages. Unlike PIP benefits, these damages are generally paid through the at-fault driver's liability insurance, not out of the driver's personal pocket, provided your injuries meet Michigan's legal threshold under MCL 500.3135.

Understanding which insurance company is responsible can be complicated. An experienced Michigan personal injury attorney can help identify the correct insurer, protect your rights, and pursue the full compensation available under Michigan law. Call us at 231-486-6556 today.