05/19/2024
As was the case prior to the new changes to the law, if a motorcyclist is injured in an accident involving a motor vehicle, the motorcyclist is entitled to receive PIP medical benefits from the insurer of the owner of the motor vehicle. If the owner of the motor vehicle has no coverage on the motor vehicle, then the motorcyclist could seek PIP medical benefits from the driver of the motor vehicle, the motor vehicle insurer of the operator of the motorcycle, or the motor vehicle insurer of the owner of the motorcycle--in that order of priority. The motorcyclist would be limited to the PIP coverage amount in the applicable policy. If no coverage exists, the motorcyclist is entitled to up to $250,000 of medical benefits if needed under the Michigan Assigned Claims Plan (MACP). If the motorcyclist has excess medical bills over the applicable PIP coverage limit, the motorcyclist could look to their own health insurance or sue an at-fault driver, depending on their situation.
