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No-Fault Insurance Benefits for Pedestrians


Being involved in an accident is traumatic, confusing, and costly, particularly if you are a pedestrian. As a pedestrian, you were likely walking, running, or otherwise commuting using your own two feet, or perhaps a bicycle, when you were injured by a motor vehicle. Knowing your rights, and having an advocate on your side, can alleviate the confusion and help you on your path to recovery.

The Michigan Legislature recently enacted reforms to the No-Fault Act. Knowing how to navigate those changes can be the difference between receiving much needed benefits and facing difficult life challenges. Despite the changes, Michigan is still a No-Fault State, meaning, pedestrians involved in accidents are entitled to insurance coverage regardless of fault. So it doesn’t matter if the pedestrian broke any traffic laws. Under Michigan Compiled Law section 500.3115, pedestrians involved in a motor vehicle accident must first seek recovery for personal protection (PIP) payments from their own insurer. If the pedestrian does not carry auto insurance, they may seek PIP benefits from the insurer of a spouse or a resident relative domiciled in the same household, meaning, a family member living with the injured pedestrian. In circumstances where neither the injured pedestrian, nor a resident family member have auto insurance, benefits may be pursued through the Michigan Assigned Claims Plan. The benefits, however, are capped at $250,000.00.

The personal injury attorneys at Mike Morse Law Firm have years of experience representing pedestrians. If you are injured, you will want experience and skill on your side. If you need representation, or simply have questions, we encourage you to contact us at 855-MIKE-WINS (855-645-3946) or email us by clicking here. The consultation is free and there is no fee unless we win your case.

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