Michigan No-Fault Law, section by section › MCL 500.3163
Automobile insurer; not required to provide personal and property protection insurance benefits to out-of-state residents; exception.
In plain terms
An insurer authorized in Michigan is not required to provide PIP or PPI benefits for a Michigan accident involving an out-of-state resident it insures, unless that person owns a vehicle registered and insured in Michigan. The 2019 amendment ended the prior rule that pulled out-of-state insurers into Michigan's no-fault system.
How this section works in practice
Before 2019, an out-of-state insurer that did business in Michigan had to certify that it would provide Michigan no-fault benefits to its own insureds when they were hurt here, which gave visitors from other states a PIP claim against their home insurer. The 2019 amendment ended that. An insurer authorized in Michigan is no longer required to provide PIP or property protection benefits for a Michigan accident involving an out-of-state resident it insures, unless that person owns a vehicle registered and insured in Michigan. Read together with section 3113(c), which disqualifies nonresidents from PIP, the result is that a visitor from Ohio or Ontario injured on a Michigan road generally has no Michigan PIP claim at all. Their medical bills fall to their own health insurance and to whatever medical-payments coverage their home policy carries, and their claim against the at-fault Michigan driver proceeds under section 3135, which allows a nonresident to recover economic losses only after meeting the serious-impairment threshold.
Text of MCL 500.3163
Sec. 3163.
An insurer authorized to transact automobile liability insurance and personal and property protection insurance in this state is not required to provide personal protection insurance or property protection insurance benefits under this chapter for accidental bodily injury or property damage occurring in this state arising from the ownership, operation, maintenance, or use of a motor vehicle as a motor vehicle by an out-of-state resident who is insured under the insurer's automobile liability insurance policies, unless the out-of-state resident is the owner of a motor vehicle that is registered and insured in this state.
History: Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 2002, Act 697, Eff. Mar. 31, 2003 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019
Source: MCL 500.3163 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.
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