Who pays and how to start
Meemic Insurance Company is a Michigan auto and home insurer. AAA describes it as part of The Auto Club Group family of companies, operating independently. Under Michigan’s priority rules, Meemic 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.
How to report a claim to Meemic
Meemic’s claims center lists these options:
- Phone, members. Auto and home claims at 800-231-5770, 24 hours a day, seven days a week.
- Phone, non-members. If you were hit by a Meemic driver, the page lists 888-463-3642.
- Online. Members can file through the Account Center for claims that don’t need an immediate response; the page says an auto claims representative will contact you within one business day.
- Auto glass. 888-623-2155.
Official claims page: meemic.com/member-services/claims-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 Meemic
These are no-fault decisions in which Meemic 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 Unpublished Court of Appeals opinions are not binding precedent under MCR 7.215(C)(1). The summaries are ours and leave out much of each court’s reasoning; the links go to the opinions on the Michigan courts’ website. Case status checked on the courts’ dockets October 25, 2026.
- West Michigan Home Care Services, Inc v MEEMIC Insurance Co, Michigan Court of Appeals No. 369151, October 20, 2025 (published; reconsideration denied December 2, 2025). Read the opinion. Because Medicare covers home health aide and skilled nursing care, the court held that the fee-schedule cap of 200% of what Medicare pays (MCL 500.3157(2)) applies to those services, not the cap for services Medicare doesn’t cover. See the fee schedule.
- Relevar Home Care v Meemic Insurance Co, Michigan Court of Appeals Nos. 368880 and 370897, September 16, 2025 (unpublished). Read the opinion. The court affirmed the home care provider’s judgment for attendant care and nursing benefits and held the provider had standing to sue under MCL 500.3112. It denied attorney fees because Meemic had reviewed the charges against market rates before paying less.
- Meemic Insurance Co v Auto-Owners Insurance Co, Michigan Court of Appeals No. 374229, April 21, 2026 (unpublished; an application for leave to appeal is pending in the Michigan Supreme Court, No. 170134, as of October 25, 2026). Read the opinion. In a dispute between insurers, the court held that Meemic remained first in priority for PIP benefits under MCL 500.3114.
Report the crash to Meemic, then send the written application for benefits and keep a copy. If Meemic denies or cuts off benefits, call us before the one-year deadline. The review is free, and there is no fee unless money is recovered.
Sources: MCL 500.3112, 500.3114, 500.3142, 500.3145, 500.3148 and 500.3157; MCR 7.215(C)(1); West Michigan Home Care Servs, Inc v MEEMIC Ins Co (Mich App, Oct 20, 2025, No. 369151); Relevar Home Care v Meemic Ins Co (Mich App, unpublished, Sept 16, 2025, Nos. 368880, 370897); Meemic Ins Co v Auto-Owners Ins Co (Mich App, unpublished, Apr 21, 2026, No. 374229); AAA, Affiliates (careers page); Meemic claims center and contact pages, reviewed October 25, 2026.
Grove & Associates is not affiliated with Meemic. Company names are used only to identify the insurer.
Questions people ask us
How do I report an auto claim to Meemic?
Meemic’s claims center lists 800-231-5770 for auto and home claims, 24 hours a day, seven days a week, and 888-463-3642 for people who aren’t Meemic members. Members can also file through the online Account Center. In Michigan, you still need to send a written application for no-fault benefits within one year.
Do I file my PIP claim with Meemic if the other driver was at fault?
Only if Meemic is first in priority under MCL 500.3114, usually because Meemic insures you, your spouse or a relative who lives with you. A claim against the at-fault driver for pain and suffering is a separate claim against that driver’s insurance.
Is Meemic part of AAA?
Meemic is part of The Auto Club Group family of companies, according to AAA, and the two operate as independent companies. Your declarations page names the company that issued your policy; use that name on your application and any lawsuit.
What happens if Meemic does not pay within 30 days?
Benefits not paid within 30 days after the insurer 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.
