Who pays and how to start
Pioneer State Mutual Insurance Company is a Michigan insurer based in Flint that sells through independent agents. Under Michigan’s priority rules, Pioneer 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 Pioneer
Pioneer’s report-a-claim page lists these options:
- Online. A report-a-claim form, or the My Pioneer account and mobile app.
- Your agent. The page says your independent agent can help you through the claims process.
- After hours. If your agent’s office is closed and you need immediate help, call 1-800-837-7674.
- Auto glass. 810-600-3810.
Pioneer’s general number is (810) 733-2300. Official claims page: www.psmic.com/report-a-claim. 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 Pioneer
These are no-fault decisions in which Pioneer 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 Unpublished Court of Appeals opinions are not binding precedent under MCR 7.215(C)(1).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. Case status checked on the courts’ dockets October 25, 2026.
- Pioneer State Mutual Insurance Co v Wright, 331 Mich App 396 (2020), Michigan Court of Appeals No. 347072 (published). Court docket. After the Supreme Court’s decision in Bazzi v Sentinel, the court affirmed that letting Pioneer rescind the policy against innocent injured people would be inequitable, and set out factors for weighing the equities. Courts still apply those factors; see policy rescission.
- Farm Bureau Insurance Co v Meadows, Michigan Court of Appeals No. 358188, January 12, 2023 (unpublished). Read the opinion. Pioneer could rescind a policy obtained by concealing a resident driver even as to an innocent injured person, because he had already received benefits from another insurer that would remain responsible.
- Jackson v Pioneer State Mutual Insurance Co, Michigan Court of Appeals No. 360831, August 10, 2023 (unpublished). Read the opinion. The court affirmed a jury verdict against Pioneer, holding that the injured man’s claims for attendant care and replacement services survived his death.
Report the crash, then send Pioneer the written application for benefits and keep a copy. If Pioneer denies benefits or says the policy is void, call us before the one-year deadline. The review is free, and there is no fee unless money is recovered.
Sources: MCL 500.3114, 500.3142, 500.3145 and 500.3148; MCR 7.215(C)(1); Pioneer State Mut Ins Co v Wright, 331 Mich App 396 (2020); Bazzi v Sentinel Ins Co, 502 Mich 390 (2018); Farm Bureau Ins Co v Meadows (Mich App, unpublished, Jan 12, 2023, No. 358188); Jackson v Pioneer State Mut Ins Co (Mich App, unpublished, Aug 10, 2023, No. 360831); Pioneer State Mutual report-a-claim and contact pages, reviewed October 25, 2026.
Grove & Associates is not affiliated with Pioneer State Mutual. Company names are used only to identify the insurer.
Questions people ask us
How do I report an auto claim to Pioneer State Mutual?
Pioneer’s claims page says to report online, through the My Pioneer account or app, or through your independent agent. If your agent’s office is closed and you need immediate help, it lists 1-800-837-7674. In Michigan, you still need to send a written application for no-fault benefits within one year.
Do I file my PIP claim with Pioneer if the other driver was at fault?
Only if Pioneer is first in priority under MCL 500.3114, usually because Pioneer 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.
Pioneer says my policy is void. What does that mean?
The insurer is trying to rescind the policy because of a misstatement on the application. Michigan courts weigh the equities before letting rescission reach an injured person who didn’t make the misstatement, using factors set out in a case Pioneer itself brought, Pioneer State Mutual v Wright (2020). Have the decision reviewed before accepting it.
What happens if Pioneer 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.
