Check Michigan Assigned Claims Plan eligibility
Your answers stay on this page. Nothing is sent to us or saved. No names or medical details are asked for.
A general screen under MCL 500.3113, 500.3114, 500.3115, 500.3172 and 500.3174, not legal advice and not a decision on any claim. Only the Michigan Automobile Insurance Placement Facility decides eligibility. Answer truthfully: a knowingly false statement requires the plan to deny the claim and can be insurance fraud. Using this tool does not make you a client of Grove and Associates PLC.
What the checker looks at
- Where the crash happened. The plan covers crashes in Michigan.
- Who comes before the plan. A policy covering the injured person, a spouse or a relative living with them; an employer’s vehicle; a bus or taxi; or, for a motorcyclist, the other vehicle’s insurer.
- What bars a claim. Owning an uninsured vehicle involved in the crash, driving as a named excluded driver, or knowingly using a vehicle taken unlawfully (MCL 500.3113).
- The deadline. The plan must receive the application within one year after the crash (MCL 500.3174).
It doesn’t cover every situation. Out-of-state residents, crashes before June 11, 2019, rideshare trips, and policies that opted out of PIP medical coverage need a closer look.
For medical providers
A provider can submit the plan application for a patient’s crash-related care. For crashes since June 11, 2019, no assignment of benefits is needed: MCL 500.3112 gives providers their own claim. That claim depends on the patient: if the patient is barred or another policy comes first, the plan won’t pay the provider either. The one-year deadline runs from the crash, not from when you treated the patient. See no-fault claims for providers.
After you apply
Within 60 days after receiving a complete application, the plan or the insurer it assigns must tell the claimant in writing what proof of loss it needs (MCL 500.3172(3)). Medical care through the plan is capped at $250,000 per person for most crashes since July 1, 2020. Read how the plan works.
Sources: MCL 500.3112, 500.3113, 500.3114, 500.3115, 500.3163, 500.3172, 500.3173a, 500.3174; Michigan Assigned Claims Plan, File a Claim (www.michacp.org), reviewed October 25, 2026; Beaumont Health v MAIPF (Mich App, June 22, 2023); Central Home Health Care Servs v MACP (Mich App, unpublished, Feb 18, 2025); Labser PLC v Farmers Ins Exch (Mich App, Aug 5, 2026); Van Heusen v MAIPF (Mich App, Oct 15, 2026).
Questions people ask us
Who can apply to the Michigan Assigned Claims Plan?
A person hurt in a Michigan motor vehicle crash when no auto policy applies to them, no policy can be identified, insurers dispute which of them owes, or the only insurer is insolvent, and who is not barred by MCL 500.3113. The injured person, their representative, their attorney or a medical provider can submit the application.
Can a medical provider apply to the plan for a patient’s bills?
Yes. The plan’s filing system is open to medical providers, and since the 2019 reform providers can claim no-fault benefits directly under MCL 500.3112. The provider’s claim depends on the patient’s eligibility, and the same one-year deadline applies.
What if I’m not sure whether anyone in my household had insurance?
Keep looking, but don’t let the one-year deadline pass. Applying to the plan protects the claim, and the plan or the insurer it assigns will look for other coverage.
Does the checker decide whether I qualify?
No. Only the Michigan Automobile Insurance Placement Facility decides eligibility. The checker applies the general rules so you know where to apply and by when.