Michigan No-Fault Law, section by section › MCL 500.3146
Limitation of action by insurer for recovery or indemnity.
In plain terms
An insurer's action to enforce reimbursement or indemnity rights under section 3116 must be commenced within one year after the claimant received payment on the tort claim.
How this section works in practice
The mirror image of section 3145 for insurers. When an insurer has a right of reimbursement or indemnity under section 3116, for example after an out-of-state accident or a recovery against an uninsured driver, it must sue to enforce that right within one year after the claimant received payment on the tort claim. An insurer that learns of a settlement late does not get extra time; the year runs from the claimant's receipt of the money. Claimants and their lawyers should keep proof of the payment date, because it also fixes the date after which the insurer's lien can no longer be enforced by suit.
Text of MCL 500.3146
Sec. 3146.
An action by an insurer to enforce its rights of recovery or indemnity under section 3116 may not be commenced later than 1 year after payment has been received by a claimant upon a tort claim with respect to which the insurer has a right of reimbursement or recovery under section 3116.
History: Add. 1972, Act 294, Eff. Mar. 30, 1973
Source: MCL 500.3146 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 500.3116: PIP and Tort Recoveries
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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