Who pays and how to start
To start a Michigan PIP claim with Farm Bureau, report the crash through Farm Bureau’s claims channels, then send Farm Bureau its written application for no-fault benefits. Under Michigan’s priority rules, Farm Bureau 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.
Farm Bureau Insurance of Michigan is part of the Michigan Farm Bureau Family of Companies. Court opinions name Farm Bureau General Insurance Company of Michigan and Farm Bureau Mutual Insurance Company of Michigan.
How to report a claim to Farm Bureau
Farm Bureau’s Claims Service Center page says a claim can be reported three ways:
- Online. Use the “Start Your Online Claim” form.
- Phone. The page lists (800) 292-2680.
- Your agent. Contact your Farm Bureau agent directly.
The same page lets you check claim status online.
Official claims page: www.michfb.com/insurance/claims-service-center. 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 Farm Bureau
These are no-fault decisions in which a Farm Bureau 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 Unpublished Court of Appeals opinions are not binding precedent under MCR 7.215(C)(1).
- VHS of Michigan, Inc v Farm Bureau General Insurance Co of Michigan, Michigan Court of Appeals, July 21, 2026 (unpublished). The named insured’s opt-out of PIP medical coverage was ineffective because her resident relatives lacked qualified health coverage, so summary disposition for Farm Bureau was reversed and the case remanded.
- Maher v Farm Bureau General Insurance Co of Michigan, Michigan Court of Appeals, March 13, 2026 (unpublished). Under MCL 500.3114(5), an injured motorcyclist or a treating provider may recover PIP medical benefits from a lower-priority insurer with unlimited coverage once the higher-priority policy limit is exhausted.
- Mapp v Progressive Insurance Co, Michigan Court of Appeals, April 27, 2023 (published). Farm Bureau Mutual Insurance Company of Michigan was a co-defendant. The court held that a policy may provide PIP coverage broader than the statute requires and that a fact question existed under the Progressive policy.
Sources: MCL 500.3112, 500.3114, 500.3142, 500.3145 and 500.3148; MCR 7.215(C)(1); VHS of Mich, Inc v Farm Bureau Gen Ins Co of Mich (Mich App, unpublished, July 21, 2026); Maher v Farm Bureau Gen Ins Co of Mich (Mich App, unpublished, Mar 13, 2026); Mapp v Progressive Ins Co (Mich App, Apr 27, 2023); Farm Bureau claims page (www.michfb.com/insurance/claims-service-center), reviewed October 22, 2026.
Grove & Associates is not affiliated with Farm Bureau Insurance of Michigan. Company names are used only to identify the insurer.
Questions people ask us
Do I file my PIP claim with Farm Bureau if the other driver was at fault?
Usually you claim PIP from your own insurer, or your spouse’s or a resident relative’s. Farm Bureau 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 Farm Bureau does not pay within 30 days?
Benefits not paid within 30 days after Farm Bureau 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 Farm Bureau claim through my agent?
Yes. Farm Bureau’s Claims Service Center page says reports can be made online, by phone or by contacting your agent. Whichever you choose, follow up with the written application for no-fault benefits.
