state of michigan assigned claims facility

Michigan Assigned Claims Plan

What is the michigan assigned claims plan.

The Michigan Assigned Claims Plan (MACP) program established by the State of Michigan in 1973 to provide access to Michigan no-fault benefits for people injured in a car or truck accident when no applicable car insurance is available. The Plan was previously administered by the Secretary of State and was known as the Michigan Assigned Claims Facility.  Effective January 1, 2013, Michigan Automobile Insurance Placement Facility (MAIPF) administers the Plan. 

How to file a claim with the Michigan Assigned Claims Plan

Submit your claim online at the MACP claim form for benefits.  The claimant must also provide reasonable proof of loss. Examples of proof can include Police reports or Emergency medical services reports taken at the scene of the accident. MAIPF must receive the completed application for benefits no more than one year after the date of the accident.

MACP contact information:

Michigan Assigned Claims Plan c/o Michigan Automobile Insurance Placement Facility P.O. Box 532318 Livonia, MI 48153 Phone: 734-464-8111

Who does the Michigan Assigned Claims Plan Cover

Personal injury protection benefits claims cover people injured because of accidental injury arising out of the ownership, operation, maintenance, or use of a motor vehicle as a motor vehicle.  Passengers, pedestrians, and bicyclists can make claims with the Plan. Claims can also be made for benefits if the injured person was a driver or passenger of a motorcycle if the accident was with a motor vehicle that did not have insurance.

( MACP) Benefits after Michigan auto reform July 1, 2020

• If someone decides to opt-out of Michigan PIP coverage, and later loses their health insurance, they will have 30 days in which to choose a PIP limit. During those 30 days, they are eligible for up to $2M from MACP, but on day 31, they will lose PIP coverage.
• After July 1, Motorcyclists will be subject to the limit the other vehicle has, regardless of what coverage they have on their personal auto policy.
• Vehicle occupants, pedestrians, and bicyclists not otherwise insured with PIP coverage will be subject to the $250,000 limit thru MACP.

Finally, After July 1, 2020, It will be essential to make sure that you have the right auto coverage. Click the Get Quote button for a Michigan auto insurance quote. you can call 734-464-8111 to if you need to talk to someone about an assigned claim. 

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The Ins and Outs of Michigan’s Assigned Claims Plan: What You Need to Know

## Short answer: Michigan Assigned Claims Plan is a system that provides compensation for victims of car accidents involving uninsured or underinsured drivers. It ensures financial assistance to those who otherwise would not receive it and reimburses insurance companies that cover such claims.

Step-by-Step Guide to Filing a Claim under the Michigan Assigned Claims Plan

Filing a claim under the Michigan Assigned Claims Plan can appear daunting at first glance, with a maze of paperwork and forms to navigate. However, it is an essential process for those who have been injured or suffered damages in an automobile accident where no-fault insurance coverage was available.

To make things easier for you, we’ve broken down the process into easy-to-follow steps:

Step 1: Determine Eligibility

Firstly, it’s crucial to check if you’re eligible to file a claim under the Michigan Assigned Claims Plan (MACP). You may be eligible if:

-You are a resident of Michigan -You were involved in an automobile accident on Michigan roads -No insurance policy applies to your injuries/damages caused by the accident

In cases of hit-and-run accidents, eligibility criteria apply differently.

Step 2: File within Time Frame

Once eligibility has been confirmed, take note that there is only one year from when the injury occurred or damage incurred (or suspected) to submit your MACP application form.

Submit all necessary documents such as police reports pertaining to-the-period-informational-report-psar-and/ witness statements too attached affidavit-all must be submitted together before submitting once they sent separately will not qualify).

Step 3: Fill out Application Form Correctly

When filling out your application form ensure that all information provided is correct and accurately reflects data backing up any claims assessments required based upon anything later reported support document additional reviewing attorney assigned looking case law basis research reviewing possible determinations provide specific reasoning determining award amount suggesting further action lawsuits involving manufacturer-based negligence.

Don’t forget to sign each page including acceptance liability transportation companies involved paying premiums their power purchase agreements covering revenues commensurate outcomes according assigning insulators appropriate responsibility cases needing third-party representation also included representing plaintiff-applicants pro bono purposes offers protection fund contingency fee allow compensation legal representation receiving awards determined formally call off contract negotiations threatened obtain enough justice lost wages medical bills foregoing claims.

Step 4: Provide Verification

Aside from Application Form, if there is a need for verification any documentation to support the claim’s validity can be reviewed by an adjusting firm or your attorney.

(Important tip over here! Keep copies of everything)

Step 5: Wait for MACP Assignment

The Michigan Assigned Claims Plan assigns attorneys by legal merit rating assessing skills based on past performance and reviews before appropriate assignments finalized assigning reputable experienced lawyers ensuring case deliveries maximum effectiveness reducing improper referrals delayed responses committed resolving concerns providing proper compensation reflected injuries sustained specified circumstances awarded eligibility statutes governing awards intent administering funds set aside eligible parties’ deductible coverage amounts-15k property damage/personal liability insurance policies Additional expenses will commence; however, as this becomes more complex, legal expense may rise negotiation segments settlements court litigation options available outlined timeframe completion dependent funding pool availability first-come-first-served basis mediating cases where possible avoid escalated issues confronted calls arbitration pay incurred costs related processes proceeding accordingly client agreement obtaining final resolution necessary admissible evidence compiling other damages expert testimony opinions considering precedent employment laws efforts document trail record provided detailing factors deemed relevant determining restitution award amount allocated party interest suffered harm goal achieving practical balanced fair resolutions given ever-changing economical social context shaping evolving measures attempting compensate injury affected quality life extent significant financial penalties payouts borne regional state structures contexts awarded dissimilar occurrences difference measures-meaningful reimbursements distributing responsibly justified safety practices benefiting society large determination potential harms being faced.

So now you’re familiarized with the steps in filing under Michigan Assigned Claims Plan (MACP). While it does involve meticulous attention to detail and patience – professional help from skilled attorneys could eliminate several pitfalls throughout the entire process taking some weight off your shoulders. Be sure to keep yourself informed about all legal loopholes regarding no-fault auto accident policy, rights associated witness testimonies intending seek assessment part disputes arising future seeking fault determination pursuing suitable compensation claims rightful recovery deserve – remember to ensure quick resolution keeping insurance agencies upfront abreast recent development in filing procedures assuring maximum benefits realization out of the process.

Frequently Asked Questions about the Michigan Assigned Claims Plan

The Michigan Assigned Claims Plan (MACP) provides a safety net for individuals who are unable to obtain auto insurance coverage due to certain circumstances. While the MACP is an important resource, many people have questions about how it works and what it covers. In this post, we’ll answer some of the most frequently asked questions about the MACP.

What exactly is the Michigan Assigned Claims Plan?

The MACP serves as a last resort option for individuals who have been injured as a result of an automobile accident and are unable to secure auto insurance coverage through traditional means. Essentially, if you’ve been in an accident but cannot identify or locate an insurer responsible for covering your damages, you can turn to the state’s assigned claims plan for assistance.

Who qualifies to file a claim with the MACP?

Anyone involved in a car crash on Michigan roads who was not at fault and does not have access to no-fault benefits may qualify for coverage from the MI Assigned Claims Plan. Additionally, uninsured pedestrians who were hit by motor vehicles may also be eligible.

What types of compensation might I receive under the MACP?

If your assigned claims application is accepted, you will typically be covered up $25000 worth of medical costs related yo injuries that arose during ththe auto collision.To get full cost recovery beyond these limits you’d need legal representation that would navigate case facts including witness testimony

How do I know if my injury occurred because of driver’s fault or poor road condtions ?

Generally speaking, unless there was something drastically wrong with your vehicle or sudden environmental issues took place while driving like fog causing obstruction in vision etc,it could usually safely be assumed that accidents occur due o human negligence/ error.However , expert opinion couls always help determine failed equipment / insufficient tire treads caused hazards.Similarly situations where dangerous weather renders icey/rain conditions on highway ramps make it hard evenufor seasoned divers keeping proper speed limits,such accidents can be determined faulty due to poor road designing or negligence.

What happens if my claim is denied?

If your claim with the MACP is turned down, you still have options.A reconsideration request may also be made in connection with an adverse determination or regulatory compliance issue.This will require legal representation/negotiation services at which point experience d lawyers specializing in car accident injury cases shall provide insights towards additional frequently raised questions like whether the state considers third-party claims.The right attorney has seen countless situations such as yours and use their expertise to push for a resolution that is favorable you-irrespective of whether it means reviewing surveillance footage from traffic cameras or contacting witnesses at any given time.

In conclusion,it’s important to remember that when dealing with the Michigan Assigned Claims Plan, there’s no substitute for proper legal assistance. By working with experienced attorneys who understand this often-complex process inside and out,you’re guaranteed best possible reassurance on recuperating compensation after being injured while using public spaces like roads, parks etc.Those dependant upon auto travel for livelihoods/survival stand more chance of avoidingfinancial ruin when worst case scenarios play up..Therefore avoid unescessary complications by taking expert help.___.

Top 5 Facts You Should Know About the Michigan Assigned Claims Plan

As a resident of Michigan, you may have heard about the Michigan Assigned Claims Plan (MACP), particularly if you’ve been in an auto accident and need assistance with your insurance claim. But what exactly is MACP? And how does it work? Here are the top 5 facts that you should know about this plan:

1. The MACP is designed to help people injured in accidents when they cannot get insurance coverage

If you’re involved in a car crash or another type of accident, one would assume that your own insurance company will cover any necessary medical expenses and other damages to yourself, as well as anyone else who may have been hurt in the accident.

However, some people do not have insurance for their cars or are hit by drivers without enough adequate automobile liability/property damage limits). This means that when an uninsured driver causes injuries and/or property damage to someone else on the road, there is no way for them to receive compensation from the negligent party’s insurance company. This is where MACP comes into play: it provides benefits similar those available had the tortfeasor (negligent driver) maintained proper amounts under their auto policy.

2. It does not cover physical damages like repairing vehicles

It can be frustrating putting together a successful claim through your own insurer because they won’t pay if another person was responsible for causing your injury due to inadequate liability levels carried by their policy.. For example – If you were driving down I-75 south at rush hour when a drunk trucker crashed his semitruck into yours exciting off at ‘The Pere Marquette Rail trail intersection’…and let’s say he wasn’t carrying enough coverage on his policy beyond what limited built-in protections such as Personal Injury Protection Coverage(PIP) which paid out its maximum amount leaving little room payment towards hospital bills.. So, after exhausting all avenues concerning fault finding investigative methods…it becomes clear then victim(s) must approach ~dead end~ negotiations with Michigan Assigned Claims Plan (MACP) to attempt some medical and other benefits recoveries such as lost wages because of injuries sustained during the auto accident. However, one should take note that MACP will not cover physical damages like repairs on ur SUV or even belongings tarnished when wreck occurred.

3. You have to file a claim through your own insurance company first

Before you can make an assigned claims application for help under MCP – it’s necessary demonstrate having made a request for no-fault (PIP) benefits from and have received notice of denial by insurer who issued policy giving rise to PIP claim.. Only then would there be considered recipients eligible after filing an ‘Application form’ communicating how they were hurt & requiring aid in costs associated w/ those harms.They’ll at least need include applicable documents so adjusters reviewing details double check provided information valid; patients personal ID cards which match driver’s license also come helpful while applying latter being easier obtain than former document.

4. There are specific requirements for eligibility

Michigan state lawmakers established certain provisions dictating conditions where people could apply get reimbursements due go uncompensated harm they suffered following accidents.Namely parties must sustain serious bodily injury since Michigan is NOT A NO-FAULT medical only pain suffering State anymore i.e., plaintiffs cannot have non-economic claims capped unless lasting damage affects crucial normal life activities.( known tort reforms passed way back during ’90s )Additionally any funds collected instead paid directly toward ailment care/wage loss expenses.In case applicant was intoxicated behind wheel when incident took place they suffer disability ore mental anguish consequences induced impairment responsibility taken into consideration before funds are allocated.Regarding receiving payments due death family members bill pay MCL limitations defining entitlement amounts under coverage plan dependants of deceased partaker required follow specified criteria ensure adequacy relief given surviving kin(s)

5. The amount awarded through MACP may vary based on multiple factors.

The payout sums awarded from MACP are primarily used to assist injured victims suffering losses they’re not able recover from as Resulting accident situations hurting patients in unique ways; perhaps getting stalled in careers due permanent disabilities or forced miss out on social events and travel plans meeting up with old friends. However, receiving fair restitution can be complicated under Michigan laws.Since there’s no specific fixed amount averagely paid it depends upon certain variables such as seriousness of victim’s injury when incident took place attention being given duration affected & loss surrounding daily normal life functioning. Furthermore, sum/number qualified applicators approaching the scheme yearly directly influence amounts diverted towards reimbursement relief legally applying participants( hence those approved) Also causing adjustments establishing how much falls within statutory k.capped benefit limit for medical/burial expenses aftermath car accidents attributed toward MCP policy holders inevitably lead rising claims costs.

In Conclusion:

As a Michigan resident who experiences a road mishap w/o sufficient liability compensation under coverage norms besides PIP benefits you should file assignment claim application form because no-fault law says that any recompense cannot sum higher than ceiling declared by regulations denoting procedures followed Insurance Guaranty Association may distribute benefits

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• Michigan No-Fault Assigned Claims Plan

As a result of the 2019 changes to the Michigan No-Fault Law, many more people injured in auto accidents will have to claim their no-fault benefits through an entity known as the Assigned Claims Plan.  These people will face the reality that their no-fault medical expense coverage will be capped at $250,000. Moreover, people pursuing no-fault benefits from the ACP must follow specific procedures and execute certain documentation, and they must do so on a timely basis. The information below helps answer many questions regarding the principles that apply to people pursuing no-fault benefits through the ACP.

What is the Assigned Claims Plan and who is eligible to receive PIP benefits from the Assigned Claims Plan?

The Assigned Claims Plan (“ACP”) is a statutorily created entity that acts as the insurer of “last resort” for anyone who is injured in a motor vehicle accident but not entitled to PIP benefits from any other source designated under the no-fault act.

Generally, but subject to a few exceptions, an injured person must turn to her own automobile insurance provider for PIP benefits.  If an injured person isn’t named under a Michigan automobile insurance policy, she must turn to either her spouse’s provider or to the provider of a “resident relative.”  All other eligible persons must submit their claims to the ACP. The basic contact information of the MAIPF and the ACP is as follows:

Michigan Assigned Claims Plan P.O. Box 532318 Livonia, MI 48153 (734) 464-8111 (phone) (734) 744-8552 (fax) michacp.org

What is the ACP’s procedure for processing and assigning claims?

Public Acts 21 and 22 of 2019 made several significant changes to both the process that claimants must adhere to in submitting their claims to the ACP, and to the procedures that the ACP must adhere to in processing those claims.

In order to ultimately receive PIP benefits from an assignee insurance provider, an applicant must first file a special claim form with the ACP.  These claim forms are provided by the ACP, and can be accessed here .

IMPORTANT: the noticed of claim must be served on the ACP within one year of the date of the accident.

Once an application is filed, the ACP has 60 days to request from the applicant, in writing, any additional materials (i.e. “reasonable proof of loss”) it may need to verify and process the application.  The no-fault act itself—MCL 500.3172(3), specifically—does not offer any further explanation as to what constitutes “reasonable proof of loss,” and thus Michigan courts will have to establish appropriate parameters for these requests.

Once an applicant complies with the ACP’s request for “reasonable proof of loss,” the ACP must review the application and make an initial determination as to its eligibility for assignment.  In making such a determination, the ACP can order—in addition to ordering that the applicant submit “reasonable proof of loss”—that the applicant submit to an examination under oath.

It is statutorily required that the applicant cooperate with the ACP in the initial determination process, but Michigan courts have recognized that failure to cooperate is not grounds for the ACP to irrevocably deny an application.  Harris v. Michigan Automobile Insurance Placement Facility (Unpublished opinion of the Michigan Court of Appeals, Docket No. 345593, January 16, 2020). Rather, the ACP can only temporarily suspend its processing of the application, and must resume once the applicant becomes compliant.

In the event that the ACP deems a claim eligible for assignment, it must promptly assign the claim to an authorized Michigan automobile insurance provider that, in turn, administers the claim on behalf of the ACP.  The ACP must also inform the claimant of the assignee insurer’s identity and address.

Does the no-fault act limit coverage for claims submitted to the ACP?

Subject to one exception, the no-fault act caps coverage for claims submitted to the ACP at $250,000.  MCL 500.3172(7)(a) provides, “the [ACP] and the insurer to whom a claim is assigned by the [ACP] are only required to provide personal protection insurance benefits under section 3107(1)(a) up to . . . [$250,000].”  Thus, there is a lingering question as to whether the $250,000 cap applies only to allowable expense benefits payable under MCL 500.3107(1)(a), or to all PIP benefits.

The one exception to the $250,000 cap is for so-called “$250K PIP excluders”—those persons who elect to forego PIP coverage altogether because they, their spouses, and all their resident relatives have other health or accident coverage that extends to auto-related injuries.  Under the revised no-fault act, those persons are afforded a 30-day grace period after their other health or accident coverage lapses during which they can obtain the required security under MCL 500.3101(1).  If they are injured during this grace period, their claims must be submitted to the ACP and are subject only to a heightened $2,000,000 cap.

How have the 2019 changes to the no-fault act altered the priority rules with respect to who claims no-fault benefits through the ACP?

Public Acts 21 and 22 of 2019 made several, significant changes to the priority rules for payment of PIP benefits. In December 2020, the ACP published its own bulletin regarding these priority rule changes. Read bulletin here .

If an injured person is not personally named under a Michigan automobile insurance policy, is not married to someone who is personally named under a Michigan automobile insurance policy, and is not domiciled with any resident relatives who are named under a Michigan automobile insurance policy, she looks to the ACP.  There are few exceptions to this rule.

Those injured while using a motorcycle turn first to the insurer of the owner or registrant of the motor vehicle involved in the accident; second to the insurer of the operator of the motor vehicle involved in the accident; third to the motor vehicle insurer of the operator of the motorcycle involved in the accident; and fourth to the motor vehicle insurer of the owner or registrant of the motorcycle involved in the accident.  If there are no applicable insurers under this priority order, then, and only then, can motorcyclists file a claim with the ACP.  And, coverage for any such claim will be capped at $250,000.

Those injured while using a vehicle owned by an employer of their spouse or resident relative, will claim no-fault benefits from the insurer of the employer-owned vehicle.  There are also possible exceptions if the person is injured in what is known as a “vehicle for hire.”

Is coverage through the ACP coordinated or uncoordinated with ordinary health insurance?

Any coverage afforded by the ACP will be coordinated with traditional health insurance.  Therefore, persons with traditional health insurance who are injured in motor vehicle accidents and seeking PIP benefits through the ACP must first turn to their health insurers for payment of their medical expenses.  The only exception to this general coordination rule applies to persons enrolled in Medicare, Medicaid, or ERISA plans.

Does the no-fault act specifically exclude any persons from coverage under the ACP?

The no-fault act specifically identifies the two groups of persons who are ineligible for coverage through the ACP if injured while occupying a motor vehicle: (1) “Medicare Opt-Outers” and (2) the aforementioned “250K PIP Excluders.”  “Medicare Opt-Outers” are those individuals entitled to—and who choose to—opt out of PIP coverage altogether both because they, themselves, are enrolled in Medicare Parts A and B, and because their spouses and/or all resident relatives have either “qualified health coverage” or no-fault PIP coverage under separate policies; “250K PIP Excluders,” again, are those individuals who decline PIP coverage because they, their spouses, and all their resident relatives have other health or accident coverage that extends to auto-related injuries.  If any persons in these two groups are injured while occupying a motor vehicle, they will be ineligible for coverage through the ACP.  There is an exception, however, for any persons in these two groups who are injured in the aforementioned 30-day grace period after their other health or accident coverage lapses.

Notably, “Medicare Opt-Outers” and “250K PIP Excluders” are only excluded from coverage through the ACP if they are injured while occupying a motor vehicle.  If any person belonging to either of these groups is injured by a motor vehicle, while not, herself, occupying a motor vehicle (e.g. a pedestrian or a bicyclist), she will still be eligible for benefits through the ACP.

There is a third class of persons that can be deemed retroactively ineligible for coverage under the ACP: those who commit fraud in association with their claims to the ACP.  This includes persons who submit false information in support of their initial applications to the ACP, as well as persons who commit “fraudulent insurance acts” in support of their claims after their claims have been assigned to providers to administer.

The Michigan Court of Appeals, in the case of Candler v. Farm Bureau General Insurance Company of Michigan , 321 Mich. App. 772 (2017), set forth the following, controlling, five-part test for determining whether a claimant has committed a “fraudulent insurance act” for purposes of MCL 500.3173a:

Accordingly, in order to qualify as part of a fraudulent insurance act under this subsection, the false statement merely must have been presented “as part of or in support of a claim to the [MAIPF] for payment or another benefit” . . . Therefore, a person commits a fraudulent insurance act under this statute when (1) the person presents or causes to be presented an oral or written statement, (2) the statement is part of or in support of a claim for no-fault benefits, and (3) the claim for benefits was submitted to the MAIPF. Further, (4) the person must have known that the statement contained false information, and (5) the statement concerned a fact or thing material to the claim. Importantly, MCL 500.3173a(2) does not require that any particular recipient have received the false statement in order for the act to qualify as a fraudulent insurance act, as long as the statement was used “as part of or in support of a claim to the [MAIPF].”

Michigan Courts have also held that MCL 500.3173a does not contain the additional fraud element of intent.  In other words, a claimant need not have both knowledge of a statement’s falsity and an intent to defraud in order to commit fraud under MCL 500.3173a.  Mere knowledge is sufficient.  Williams v. Nationwide Mutual Fire Insurance Company (Unpublished opinion of the Michigan Court of Appeals, Docket No. 346875, June 4, 2020).

When do the changes to the ACP, made by Public Acts 21 and 22 of 2019, go into effect?

Most of the new rules regarding the ACP set forth by Public Acts 21 and 22 of 2019 became effective immediately as of June 11, 2019.  This includes the new priority rules discussed above.  The $250,000/$2,000,000 cap on benefits payable under the ACP, however, was not to be applied until after July 1, 2020.  The Director of the Department of Insurance and Financial Services explained the reasoning behind selecting an alternate effective date for the $250,000/$2,000,000 cap in DIFS Order No. 19-049-M :

If the Director interpreted Section 3172(7) as having an effective date prior to July 2, 2020, pedestrians and uninsured occupants who claim benefits from the MACP subject to the $250,000 cap, and whose expenses exceed that amount, will be able to sue an at-fault driver for the remainder. However, the defendant driver would be limited to the pre-amendment residual liability protections, and any amount of liability over those amounts could subject the defendant to significant financial harm. This potentially catastrophic exposure to residual liability—which was not contemplated by the policyholder at the time of entry into the existing insurance contract—contravenes the Code’s long-standing legislative purpose of policyholder protection.

The Michigan Automobile Insurance Placement Facility (“MAIPF”), which administers the ACP, filed suit in the Michigan Court of Claims challenging the Director of the Department of Insurance and Financial Service’s order to insurers not to apply the $250,000/$2,000,000 cap prior to the later effective date designated in the amended no-fault act.  The MAIPF argued, essentially, that claims submitted to it after June 11, 2019, but before July 2, 2020, as a result of the new priority rules, should be subject to the $250,000/$2,000,000 cap.  The Court of Claims rejected this argument, opting instead to give full effect to the Legislature’s unambiguous intent to create a delayed effective date for the $250,000/$2,000,000 cap.

Read Court of Claims Opinion and Order here .

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What Is the Assigned Claims Facility and How Do I Apply?

This blog describes the assigned claims facility (ACF) in Michigan for no-fault benefits.  It also will describe how to apply for Michigan no-fault benefits using the assigned claims plan.

As a review, just because you don’t have car insurance doesn’t mean you can’t obtain Michigan no-fault benefits if you are injured in a car accident.  Under the Michigan no-fault law, so long as you are not in your own uninsured vehicle when the accident occurs, you are most likely entitled to Michigan no-fault benefits.

But what happens if you don’t have car insurance, you don’t live with any family members with car insurance and the vehicle involved in the accident was uninsured?  Typically, in this situation, the state of Michigan will assign an insurance company to pay the no-fault claim.  This is called the assigned claims plan.

In 1973, the State of Michigan established the Michigan Assigned Claims Plan (MACP) to provide no-fault benefits to people injured in car accidents, truck accidents and motorcycle accidents when a motor vehicle is involved who were not insured.  Last year, the state legislature moved the plan away from the Secretary of State.  The Michigan Automobile Insurance Placement Facility now administers the plan.

To file a claim under the MACP, you must complete an application first.  For decades, the application was short and did not require a lot of background information.   However, since the Michigan Automobile Insurance Placement Facility began to administer the assigned claims plan, the application is longer and requires much more information.

Please click here to down the application .

As the application shows, the applicant must provide personal information (address, phone number), a description of the accident, medical treatment required after the accident as well as injury information.  The application also asks detailed questions about wage loss information (employer information), health insurance, and lots of questions about car ownership.  It is important to answer all of these questions.

At the end of the application, the applicant will be asked to affirm he or she is not committing insurance fraud and the applicant must also sign and date a release form that allows the MACP to obtain the applicants medical records.

Once the application is completed, sign and date it and return it to the MACP along with a proof of loss.  A proof of loss is proof that the applicant was involved in a motor vehicle accident.  This typically is the police report or a copy of the emergency room medical records directly following the accident.

The address for the MACP is found on page 4 of the application, but here it is for your information:

Michigan Assigned Claims Plan

c/o Michigan Automobile Insurance Placement Facility

P.O. Box 532318

Livonia, MI 48153

If you have any questions about completing the application, the Michigan Assigned Claims Plan, or Michigan no-fault benefits in general, please contact us at 1-800-LEE-FREE (1-800-533-3733).  Our experienced team of Michigan no-fault lawyers can answer your questions and put you in the right direction.

No-Fault Explained: Michigan Assigned Claims Plan

When Does the Michigan Assigned Claims Plan Apply?

Under  MCL 500.3172 , a person who is injured because of the use of a motor vehicle may collect benefits from the Michigan Assigned Claims Plan if there are no other policies that apply. If there are any other policies – like health insurance, workers compensation, or disability insurance – the benefits an uninsured person receives will be reduced by that amount.

But the MACP doesn’t always apply. If auto insurers are fighting over who will pay your bill, the Plan won’t come to save you. Or if an insurance claim is “obviously ineligible” or based on fraud, the assigned claim may be denied. Also, if you were legally required to have no-fault insurance and you didn’t, you are prohibited from receiving any no-fault benefits, whether from the MACP or any other source.

For example, if a bicycle commuter who does not live with any insured relatives is struck by an uninsured driver, the bicyclist may be entitled to MACP coverage. The uninsured driver will not be because he or she broke the law by driving a vehicle without coverage.

Who Pays for the Michigan Assigned Claims Plan?

Under  MCL 500.3171 , all self-insuring entities and every auto insurance company that wants to cover Michigan residents must participate in the MACP. Essentially, when a person qualifies for benefits under the MACP, the Michigan Automobile Insurance Placement Facility (MAIPF) will appoint an insurance provider to pay the claim.

The MACP may also come into play if there are too many auto insurance companies involved in your case. If there is a dispute among insurers about which policy takes highest priority, the MACP will assign a company to handle the claim until the court determines the priority.

How Do I Qualify for the Michigan Assigned Claims Plan?

If it isn’t clear where your no-fault insurance benefits are coming from, your auto accident attorney may have you file an Application for Personal Injury Protection Benefits for the Michigan Assigned Claims Plan. The lawyers will also have to provide documentation to show that the MACP may apply.

Just because you don’t have auto insurance doesn’t mean you can’t receive no-fault benefits. If you have been injured in a motor vehicle collision,  contact the auto accident attorneys at Christensen Law  to find out if you qualify for coverage under the Michigan Assigned Claims Plan.

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The Role of the Michigan Automobile Insurance Placement Facility (MAIPF) in Personal Injury Cases

Posted On: July 20, 2023

Michigan is a “no-fault” car insurance state, which means that every driver’s insurance generally covers any damages caused by the insured driver. But in some cases, a driver’s insurance policy does not cover all of the injuries stemming from a car accident —including those that may be sustained by passengers, pedestrians, and others.

In such cases, the State of Michigan has established a program that may assist individuals without coverage: the Michigan Automobile Insurance Placement Facility, or MAIPF, which operates the Michigan Assigned Claims Plan, or MACP.

Due to the complex nature of Michigan’s auto insurance laws, it is important that car accident victims seek the assistance of an experienced personal injury lawyer with a deep understanding of these laws. In this post, we’ll explain the MAIPF and the MACP, and how these organizations may affect a personal injury lawsuit based on our experience as car accident lawyers in Michigan .

Michigan Automobile Insurance Placement Facility

The Michigan Automobile Insurance Placement Facility (MAIPF) is a state agency that provides a means for people to obtain insurance when they might not be able to obtain it on their own. There are many different reasons why someone might not be able to obtain car insurance. A bad driving record, poor or no credit, or a criminal record are all reasons why insurers might deny coverage. Coverage could also be cost-prohibitive for some individuals.

Regardless of the reason, when a Michigan driver cannot obtain car insurance, the MAIPF serves as a last-resort option for assistance. When a driver obtains insurance through the MAIPF, the agency assigns their insurance policy to a service in the private market, who is instructed to bill at the MAIPF’s provided rate.

The MAIPF in a Personal Injury Lawsuit

Because of Michigan’s “no-fault” insurance rules, unless you are insured by MAIPF, you are unlikely to deal with the MAIPF in an accident. However, a few exceptions apply. When your insurance coverage is insufficient to cover all of the damage sustained in an accident, you may be able to seek compensation from the other driver’s insurance company with the assistance of a Michigan car accident lawyer . When the other driver is insured through the MAIPF, that process can be complex and difficult.

The MAIPF only provides minimum coverage, which may not allow for enough compensation to fully account for your injuries. In those cases, legal action against the driver or the insurance company is likely necessary. A Fieger Law attorney can assist you in weighing these options and seeking compensation where it may be available.

Michigan Assigned Claims Plan

The Michigan Assigned Claims Plan (MACP) is a subsidiary program of the MAIPF which offers benefits to individuals who may be injured in an accident, but who may not be covered by the insurance plan being used in the accident. Most often, these situations occur when a driver’s no-fault insurance does not provide coverage to passengers, pedestrians, or others who are injured in an accident. In those cases, injured parties can file an “assigned claim” to the MACP and seek benefits and coverage.

The MACP’s Role in a Car Accident Lawsuit

If you are injured in an accident, you should contact an attorney as soon as possible. While programs like the MACP sound attractive and easy to access, the truth is that they may cause more problems than benefits for some accident victims. The MACP is one source of benefits, but it isn’t the only source of compensation available.

How an Attorney Can Assist Car Accident Victims

Before filing a claim with the MACP, accident victims should explore all of their options with the assistance of an attorney. After consulting with a Fieger Law car accident attorney, Michigan accident victims may be able to seek compensation from other sources, including their own insurance providers, other drivers’ insurance providers, and other entities. In some cases, the MACP may be the best path forward. In those situations, an attorney can also assist you in filing a MACP claim to ensure quick access to benefits.

Contact a Michigan Car Accident Attorney at Fieger Law Today

Michigan is known for having one of the most comprehensive sets of car insurance laws in the country. While these laws provide many benefits for drivers on Michigan roads, they also create a complex system of benefits and government agencies.

Our attorneys are experienced in dealing with these laws, and we’re ready to assist you. For more information, contact our team to set up an appointment with a Fieger Law attorney today.

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