The Department of Insurance and Financial Services adjusts the cap every October for changes in the cost of living, as MCL 500.3107(1)(b) requires. Bulletin 2026-20-INS sets the new figure for crashes from October 1, 2026 through September 30, 2027. It is prorated for shorter periods of lost work.
Which cap applies to you
The cap is fixed by the date of your crash, not the date you lost the income. Someone hurt in August 2026 stays at $7,201 per 30 days for the whole three years of benefits. Someone hurt in November 2026 gets $7,455.
Who this affects
The cap only matters if 85% of your gross income is more than the cap, which means earning roughly $8,770 or more a month before taxes. If you earn above that, the income PIP does not cover can be claimed from the at-fault driver.
Survivors’ loss
The same maximum applies to survivors’ loss benefits paid to the dependents of someone killed in a crash.
Sources: MCL 500.3107(1)(b), 500.3108; DIFS Bulletin 2026-20-INS (supersedes Bulletin 2025-18-INS).
