Michigan No-Fault Law, section by section › MCL 500.3143
Assignment of right to future benefits void.
In plain terms
An agreement assigning the right to PIP benefits payable in the future is void. Assignments of benefits that have already accrued are treated differently by the courts, which is what allows providers to take assignments for services already rendered.
How this section works in practice
One sentence with large consequences: an agreement assigning the right to PIP benefits payable in the future is void. An injured person cannot sign away benefits that have not yet accrued, whether to a provider, a lender or anyone else, and an insurer can ignore such an assignment.
Michigan courts have read the section narrowly. Benefits that have already accrued, for example a bill for treatment already rendered, may be assigned, which is what allows medical providers to take an assignment from the patient and pursue the insurer for that specific bill. That practice grew after 2017 and now exists alongside the direct provider action in section 3112. Patients should read what they sign in a clinic's intake packet: an assignment of accrued benefits is lawful, but it also means the provider may litigate in the patient's name, and a one-year-back problem under section 3145 for the provider can become a bill the patient is asked to pay.
Text of MCL 500.3143
Sec. 3143.
An agreement for assignment of a right to benefits payable in the future is void.
History: Add. 1972, Act 294, Eff. Mar. 30, 1973
Source: MCL 500.3143 at legislature.mi.gov (official text). Text as published in the 2025 Michigan Compiled Laws; reviewed by Koussan Law on September 15, 2026.
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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