Michigan No-Fault Law, section by section › MCL 500.3127
Distribution of loss, reimbursement, and indemnification among property protection insurers.
In plain terms
The reimbursement and indemnification rules that apply among PIP insurers under sections 3115(2) and 3116 also apply among property protection insurers.
How this section works in practice
Where two or more insurers are in the same order of priority for property protection benefits, or where one insurer pays and another should have shared the loss, this section imports the rules that already apply to PIP insurers: the distribution and reimbursement provisions of sections 3115(2) and 3116. In practice the insurer that pays a property owner may seek contribution from the other involved vehicles' insurers, and any reimbursement out of a tort recovery is limited the same way it is limited for PIP. Property owners rarely need to think about this section; it governs how insurers settle up among themselves after the claim is paid.
Text of MCL 500.3127
Sec. 3127.
The provisions for distribution of loss and for reimbursement and indemnification among personal protection insurers as set forth in subsection (2) of section 3115 and in section 3116 also applies to property protection insurers.
History: Add. 1972, Act 294, Eff. Mar. 30, 1973
Source: MCL 500.3127 at legislature.mi.gov (official text). Text as published in the 2025 Michigan Compiled Laws; reviewed by Koussan Law on September 15, 2026.
Sections this one refers to
- MCL 500.3115: Pedestrians, Bicyclists and Non-Occupants
- MCL 500.3116: PIP and Tort Recoveries
Sections that refer to this one
- MCL 500.3121: Property Protection Insurance (PPI)
Practice pages
Important: This is not legal advice
This article is general information about Michigan personal injury law. It is not legal advice and should not be relied on as a substitute for consultation with a licensed Michigan attorney about your specific situation. The laws, deadlines, procedures, and frameworks here are general guidelines that may or may not apply to your case.
Every personal injury case turns on its own unique facts. The timing, the parties, the evidence, the jurisdiction, the insurance available, and dozens of other variables can change the legal analysis. Do not rely on anything written on this website to make decisions about your case.
If you have been injured in Michigan, the only responsible step is to speak with a licensed Michigan attorney about your specific facts. Call Koussan Law at (313) 800-0000 for a free consultation, or contact a different Michigan personal injury attorney of your choosing.
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